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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
      • 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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Where to start with PPI?


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Up until 3 years ago I was totally uncaring about my money. Just buy what we wanted, when we wanted. If the balance at the bank was greater than the overdraft then play on.

 

I've been fortunate to have reasonably paid jobs and left everything financial to the wife. Big mistake. I found out we'd been playing a lot of borrowing to pay off loans and finally escalating it to the point of the cash point refusing any money. No cash, no credit - Oops.

 

A lot of reading on here helped me sort that lot out and now we're back in the black, and have learned how to stay that way.

 

So we've had a few loans, lots of credit cards, but I have no real details on who from, when, how much etc. Pretty sure there will be PPI in there. So how do I go about finding out?

 

I can't just fire off SAR's at £10 a time hoping someone will reply with something positive. So how can I discover who we borrowed from?

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Credit file may give some clues.

 

Old boxes of papers in the loft or basement?

 

So I should go sign up with Equifax/Experian or the like then? Will I get that detail from the first free 30 day type of sign up?

 

No papers any where - she destroyed all the evidence :lol: I think once we cleared a debt she didn't keep anything unless it was the current loan used to pay the previous one.

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SAR is probably best way forward - only one needed per company rather than loan/credit. Yuo ahould get all info which if PPI was on, will allow you to work out the value of the claim.

 

Ah but he doesn't know who he's had stuff from

 

So we've had a few loans, lots of credit cards, but I have no real details on who from, when, how much etc.

 

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Noodle has been useful. But I'm guessing I have older loans or the wife has as not everything is on there. Certainly the last 5 years or so is, but we consolidated and moved between cards regularly to get that far. I'll have to put her onto noodle to and see if there were things in her name only.

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