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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 
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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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FCA Force Banks to set £1.3b CPP Mis-selling fund


dx100uk
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depends on when it was taken out [reff 8% statint]

how much the annual premiums were

were the premiums subject to the cards interest rate & was this compounded

how many years it ran for

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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How much money could an individual expect?

The FCA estimate the average payout will be between £100 and £300, but all depends on factors that dx has listed

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

I took out a CPP policy over the phone when I took out a Sainsbury’s Credit Card. According to CPP it was Sainsburys Bank and not CPP who sold the policy, although my own memory is that I was referred to CPP by Sainsburys Bank, and that it was CPP who sold it. It is however difficult to know when you are passed around a phone system. Certainly all subsequent correspondence regarding conformation of policy purchase and renewals came directly from CPP.

 

Telephone conversations with CPP, Sainsburys and Bank of Scotland have resulted in he following stances:

1. Sainsburys Bank maintain that if they sold me the policy, it was on behalf of Bank of Scotland and that Bank of Scotland are responsible for the mis-selling. They have no department to deal with CPP complaints which must go through Bank of Scotland or CPP.

2. Bank of Scotland maintain that (if they sold me the policy) CPP are responsible, they have no department to deal with CPP complaints which must go through CPP and that they will take no responsibility.

3. CPP maintain that Sainsburys Bank sold the policy and are responsible for the mis-selling. As Sainsbury’s are not part of the compensation scheme CPP are not responsible.

:mad:

 

Have written to all three asking them to corss-reference and sort themselves out. Suspect this will resolve nothing and will be off to the FCA.

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