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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.

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      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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Car Insurance Premiums - discrimination against those less well off!!


neil6534

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Hi all, I am seeking help from everyone.

 

Recently I had to get lots of quotes for car insurance and they were all pretty high.

I found out that the reason for this is due to my credit file and what credit risk I am deemed to be.

 

The insurance companies/brokers look at your credit file and then decide if you are a good or bad threat. If you are a bad threat then your premium will be higher than those with a good credit file.

 

This I feel is discrimination and an unfair pricing policy.

 

The insurance companies/brokers will look at your file to decide what premium is to be applied but do not reflect that you have made monthly payments without fail back on to your credit file. So in one hand they use your bad profile to exploit you and on the other they do not reflect your ability to pay back the monthly installments.

 

Even if you decide to pay in full on a one off payment you are still hit with a higher premium, the only difference being that you don't have to pay interest for paying monthly.

 

Any suggestions on who I can contact in the media to highlight this problem?

 

Please keep your suggestions relating to this problem.

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Contact Martyn Lewis via his Money saving site.

 

It is wrong, even if they say that Insurance rates need to reflect risk in all respects. The thing is that I don't think it is actually illegal to discriminate against the poor. It would be case if whether the OFT would look at it as unfair trading.

We could do with some help from you.

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Contact Martyn Lewis via his Money saving site.

 

It is wrong, even if they say that Insurance rates need to reflect risk in all respects. The thing is that I don't think it is actually illegal to discriminate against the poor. It would be case if whether the OFT would look at it as unfair trading.

 

It's not illegal to discriminate against the poor / those with a bad credit record as demonstrated by the credit industry.

 

If an Insurer wants to price based on their perception (Generally backed up by their claims statistics) that those with bad credit records have more claims, as a business they're entitled.

 

The credit checks are often used to check whether a person is registered at the address they declare to the Insurer

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