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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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Blemain . Help ..did everything they said . but they shredded our mail.


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Hi, My partner took out a loan with blemain some years ago. and she kept telling me it was almost paid up.

It is in joint names by the way. My partner told me that the remaining balance didnt add up on the statements ,but she cancelled the direct debit when it was due to end. We then got letters from them saying wew owed another £2,000 ..aprox.

 

She phoned them to make a complaint . They said it was for the insurance Which they took out on our behalf.

I remembered then, that they asked us to get the insurance on our house to have them named has an interested party.Or whatever. Which we did and posted them off every year. They are now saying they never recieved any of them , which i dont believe for one minute. So it seems we have had two insurance policies on the go.

 

We cannot believe what has happened ,we seem to get mail from them no problem. yet they dont receive it from us.

We have never missed one payment to these people . Please can anyone help us... thankyou . We really cannot afford to pay any more.

 

Does the guy who runs this company ...run the country.

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SAR them. Click the word 'SAR' for more details. Also, STAY OFF THE PHONE. Everything from now on is to be done in writing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Do you have copies of your policies for the period in time or can you get a letter from your Insurance provider to say that you were covered for this period.

 

If so, then I don't think they have a leg to stand on.

 

It is hard to believe that letters sent every year to them, didn't arrive - presumably they were never returned to you ? In which case they are deemed delivered.

 

Make a complaint to their Head office - provide proof that you were covered for that period of time, is what I would do.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am in a battle with Blemain and I am taking them to Court.

 

The first thing I think you should do is request a SAR.

 

I would not be at all supprised if your loan was irresponsible lending in the first place

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Thankyou to everyone for your help... My partner says she has all related documents from our insurers ,with blemains name on them . And also she had made a complaint ,they just sent us a letter back saying we have to pay and some paperwork with there costs and charges on them.

 

She did not send the copies for the insurance docs ,because she's done it twice already, and they never receive them.

 

Can i just add ,,we really havnt time for all this nonesence ,we have 5 children one of which is 8 month old.

 

My partner is finding it hard to get involved its so ridiculous, and in a way i feel the same.

 

They are wasting our lives for their greed.

 

please can you give me some more info on the s.a.r. thankyou for your help

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A subject access request is a request for ALL data in respect of your financial relationship with a company. It is a LEGAL request and the company has 40 calendar days in which to comply . There is a statutory fee that needs to be sent with the request of £10.00.

 

If they do not comply within the 40 calendar days or do not comply at all without very good reason, then you have the choice of issuing a claim against them for non compliance or you can make a complaint to the Information commissioner.

 

There is a draft letter in the CAG library - top left hand side of the screen highlighted in green.

 

I always recommend that people send this particular request by Special delivery and to their Registered/Head office address.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Every letter you send to them send it by signed for delivery, or email this proves the day they received the post, if you dont they will claim they did'nt receive it, this firm cannot be trusted. They know how to bend the rules and laws and do not give a damn about loans being paid off, they will try to rob their customers for as much as they can get away with, challeng and question everything

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