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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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need advice please..


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hi i took out a small minicredit payday loand..100.00..only receive 82.50 in account...due to pay back 7th december...i realised i couldnt pay back due to charges from my bank...so i notified them asap..and told them not tto use my debit card as i had no money..and basicall emailed withdrawing my authorisation to use it...xx i asked them for an alternative method..as i can borrow from my mum to pay some back until pay day then i can pay off the rest...i got email back saying they cant stop the payments going out...as i entered agreement..but nothing about how else i can pay it....i again emailed them stating i withdraw my authorisation...and if they charged me for doing so...i wouldnot pay these charges as they were advised not to...TODAY i got email stating they have charged me for failed debit card payment and would again add 55.00 on on the 10th...is this right...i dont know what to do...I HAVE kept all copies of emails sent to them...and there response with the withdrawing my authorisation...im contacting my bank monday to stop cpa....what do i do next....im a bit scared by these....

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Same here, but only got £86.50 and my loan is currently at £565.00 they will not give bank details so the debt can be cleared, they state i must pay by debt card or Ukash ? however they will give me the bank details as soon as the debt is pasted to their in house collection, which is blackmail. i have emailthe OFT & FOS making a formal complaint. But this company are just adding fees. therefore as soon as i have details so i can transfer funds via internet i will only be paying loan plus month int as per the OFT guidelines.

 

How are in going to repay your loan ? you must cancel the debt card and any CPA as they will empty your account,

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i have cancelled my debit card...did tell minicredit before due date..and withdrew my authorisation...so i told them i am not paying anything else other than loan and 1 months interest..they were informed in enough time..they are saying they cannot cancel the cpa....as i entered an agreement... i just hopemy bank will do it...and again today i emailed minicredit advising them not to use my details..as if th ey take money out it will cause me financial hardship...all i want is the payment details to send them the money...but they keep sending me emails only to use ukash....or another persons debit card....xxx

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