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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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Making repayments via payplan but LTSB harassing


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I have been making payments on two unsecured loans via payplan but recently LTSB wrote to me saying that I had defaulted. I contacted payplan and they said ignore the letters but forward them to payplan. I then received a letter threatening court action and payplan advised " it is their right to do so, send copy of letter to payplan again". Now have received letters from BLS Collections saying "I should contact them to advise of my proposals to clear deb, failure to do so may for to make contact by telephone or advise labs to consider personal visit". I am getting quite upset at being harassed especially since I have continued to make payments agreed with payplan to all of my creditors, the rest of whom have been very understanding. Should I ignore the last letter as advised by payplan or should I contact ltsb by letter, (I will not let them have my telephone number) or should I write to BLS? Advice please would be most welcome. Thank you.

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  • 7 months later...

Hello, have you resolved this? It ultimately boils down to whether LTSB have accepted your repayments or not. PayPlan aren't massively helpful in these circumstances.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Payplan are completely useless when it comes to court, I had to go to court to set aside a claim, I would take advice from people on here, as that is the only way that I was able to get it set aside.

I have complained about Payplan to the FCA.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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To the FCA or FOS? Both are a bit useless TBH. Have you raised a complaint with PayPlan?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Hi, FCA, and they emailed me back to say that they had taken note, and passed on my complaints to Nationwide and Santander, as they cannot deal with individual cases, also they could not tell me what sanctions they would take against the bank/building society.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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I'd complain to PayPlan using their complaints procedure and see what happens. In my case they didn't pass on the formal demand letter which obviously they should have!

 

Consumer Protection from Unfair Trading Regs, do they apply here? i.e aggressive

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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