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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 some info about inter EU debt


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Hi all,

 

This is one of the best websites on debt I have seen, and I am hoping you can help.

 

I am a canadian and I live in Germany. I was freelancing and life went into the toilet. I have a debt that isnt huge, but it doesnt matter, it is insurmountable at the moment. They shut off a bank account, but a friend has helped me with this by letting me run my pay through theirs. I am being put on the bad german debt list and a bailiff is involved here. I am presently working towards a payment plan with the bailiff because finally I have a job that pays more than 800€ a month. Oh the Berlin dream which turned into a nightmare.

 

I am in the process of moving to france and I am wondering how possible is it for them to close my bank accounts in france. Is bad credit in germany equal to bad credit in france? I had really hoped a new country would give me a clean slate. I feel like have to move to Botswana for that now.

 

I know I am not BRitish, and it isnt british debt, but you seem like lovely people with lots of knowledge.

Thank you so much,

Birdie

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The debt/credit records are separate to each country, presumably because each country has their own data protection laws and courts system. In regard to moving country and setting up anything financial, you may be asked to provide your credit record for the previous country. i.e the French Bank may ask you to provide details of your German credit record. Having said that when friends moved to Spain, the Spanish Banks did not ask for UK records, so I guess it depends on the process followed by the Bank you apply to.

 

In regard to enforcement of debts, the German Bank could apply for a European Enforcement Order (EEO) to a court in France if you stopped repayments. You should then get notice from the French court and if you successfully disputed the debt in someway, the Bank would have to go back to the German courts if they wanted to try to enforce.

 

To summarise, you should not have a problem opening a basic bank account in France, once you have registered yourself as living there. Make some enquiries about the process of opening an account and what information they would need.

 

In regard to enforcement of any debt cross border, this is not always that easy. You would be wise to look at potential reasons for dispute, just in case the German Bank ever tried with an EEO. e.g a dispute may be about unfair levels of charges on the account or problems with documents not being received. You would need to look into German debt collection rules that have to be followed by their Banks.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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Who told you that? The company chasing you?

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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No, a friend who was doing some looking into things, and is a bit of a worst case scenario fellow. He said they could arrest me because I hadn't signed this particular form here in germany. One that says I am insolvent. Which I think is maybe an extreme measure.

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They cant arrest you. Debt is not a criminal offence in europe.

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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No, a friend who was doing some looking into things, and is a bit of a worst case scenario fellow. He said they could arrest me because I hadn't signed this particular form here in germany. One that says I am insolvent. Which I think is maybe an extreme measure.

 

There are obviously laws that relate to debts you owe the state e.g taxes, which would be a criminal matter.

 

There are also laws regarding running an insolvent business, which can also lead to someone being arrested. If you were running a business taking money off people for work to be done or goods to be supplied and could not do so because you were insolvent, that many be a criminal offence in some countries. If you are in this situation, you should obtain proper legal advice.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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