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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Full and Final Settlement Letter accepted


Linda12
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Hi,

 

I have received a response from 1 of my card companies in F and F settlement (all others refused or diddnt reply)

 

Am I safe to pay this on the basis of this letter attached?.

 

Im always a believer if it sounds to good to be true..... It most likely is

 

Is this legit will they seriously accept 1/5 of the outstanding balance? any help much appreciated

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does that not cover me under the bit that says "i can confirm that when you make payment it will be in full and final settlement and no further payments will be required"

 

I have same letter from "the debt agency" but said i would only agree if the lender also confirmed this in writing also which is attached...

 

I just feel its a bit too good to be true?

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You need to be careful...."no further payments iwll be required" can mean no further payments to them. If you don't stop them from selling on any balance, then someone else may claim further payments.

 

How did you arrive at your F&F offer?

 

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ok thanks for the advice its very much apprechiated...

 

So does that mean if its satisfied on my credit report, when/if they sell debt it will appear as owed on my credit report again as a new debt?

 

I will write them a letter asking them to confirm this before I make payment.

 

They way I wrote to them was

 

I received a small inheritance and i divided the full amount of this with all of my creditors. Only 1 accepted the rest did not. Im currently unemployed - made redundant after company in liquidation - Mint bank want me to pay £1 a month - hallifax frozen all payments and intrest temporary but not accepting settlement - all others demanding payments - i requested t + c from all lenders - 2 failed to provide signatures (barclaycard - was egg) and (next directory).

 

I have already claimed all ppi available, im stuck now as to other options.... any help very much apprechiated

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If a DCA holds the debt they wouldn't have paid much for it anyway, they'll still be making a handsome profit.

 

The card was taken out in January

 

Feb/ March I used it for company bills and paid balances in full end of months

 

April I paid the company vat bill with card (silly mistake i know) but was desperate at the time..... June wrote advising I had no wage sent p60 and template letter....Aug I received inheritance and offered full settlement. Sep DCA agreed settlement, october creation bank agreed....

 

Its not an old debt so cannot understand why they would accept but others wont?

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