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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Barclays PPI help


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Hi Peeps,

 

I have read forums and have got a bit confused,

 

I have 4 Barclays loans dating back to 1999, I sent for sars etc... helped by this wonderful site.

 

Today I received letter saying they have upheld latter two and are looking at previous 2 now. My question is:

 

Loan 1 October 1999 £1500+£193 PPI however took out new Loan and paid off Loan 1 no extra paid back for finishing early

Loan 2 February 2000 £4200+£933 PPI interest on this varied between £58-61 per month finished october 01 with (also got £347 ins refund

Loan 3 November 2002 £2000+£433 PPI Paid off what was owing on Loan 2 (interest between £26-28)

Loan 4 September 2003 £3100 +£721 paid off loan 3 no refunds or anything. (interest varied) finished in July 2007

 

The letter I've just received is dealing with Loan 3+4

 

Loads of figures in relation to Loan 4 comming to £1800 and a refund on Loan 3 £237.65 So I phoned and said I had paid £433 on loan 3 she said you only get back a part payment coz you finished early?

 

If its a single up front premium and its added to loan isn't it I've still borrowed it so at end its still in final balance when I get a settlement figure??

 

sorry if I'm stupid.

 

Im waiting now on loan 1 and 2 I will be even more confused then.

 

regards

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as each refinanced the previous they cant treat them as anything other than ONE CLAIM.

 

you are owed £1000's!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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