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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 160 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
        • Like

Enhance financial


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Hi guys, not been on here for a while, but I need some help regarding a loan brokers I unwittingly appear to have given my details to. These people seem to be a subsidiary of myloan, and normally I wouldn't knowingly give my details to a company just like that. I consider myself fairly intelligent! And there's no way I would go through a loan brokers .... So yes you've guessed it, had about £70 taken from my account. I had a loan with Wonga but around the same time I applied for others and I'm pretty sure I applied for a loan and submitted my details on the basis they would use them to check the account was open and that they would need them should I be accepted. Somewhere along the line my details appear to have been passed along to a loan broker I have had no dealings with and before I know it I've lost £70!!! I know the story is familiar, and I know the horror stories out there are pretty severe.

 

 

 

I phoned my bank up straight away (Natwest) to ask them to perform a Visa debit chargeback, and the lady I spoke to had refused to do this as they don't want to get into a dispute between the loan broker and myself (this despite me saying I've never heard of them).

 

 

 

My questions are basically -surely if I request my bank perform a chargeback they are obligated to follow this through? Even if I was completely in the wrong (which we all know I'm no!) surely the fact I don't need their services, and have never asked for their services should be enough? How do I get them to perform a chargeback? Is there a magic word or something?!?

 

 

 

Next - I spoke to someone from Myloans, which is why I know they're the owners of enhanced financial. I asked for my money back and told them

 

I've never asked for their services. I also informed them that should I not hear anything from the close of today I would send them a LBA and basically go as far as to take them to the small claims court. Two things are confusing me - am I entitled to a refund under the distance selling rules within 14 days? And is this covered by the 7 day cooling off period? Also as I've never seen any terms and conditions or received any paperwork from them surely the 'contract' should be considered null and void? How can a contract be legal when it us so blatantly one sided, and partially fraudulent?

 

 

 

Lastly - why is this not fraud? If someone comes to me a d says we can provide this service, for this price. Here's the terms and conditions. Fine. But how can I apply for a loan, provide a company with my details, only to have my details passed along to a third party who just so happen to be owned by the company that have now refused my loan application after initially suggesting I could be eligible for thousands???? So the company draw me in with offers of riches, only to refuse me once they have my details, and then pass my details on to a "Liam broker" who coincidentally are owned by the initial refusing loan agent... So it seems win win for them... Why is that not fraud, as it seems pretty dodgy to me?? The first guy at Natwest was quite blasé in the way he admitted these firms do pass on my details!!!!

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