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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 
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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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Understanding credit scores......I don't


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Hi,

Well all my debts are now behind me with Lowell the last ones to acknowledge it was game over and sent me the letters to prove the accounts were now closed....well they were 10 years old.

I bit the bullet and decided to see what my Credit File was like as for a couple of years things have been steady for me and I have been able to get credit.

The reason I decided was I was offered credit at a good rate last year but this year just out of curiosity when I did an online cost checker at my bank, the interest rate offered was 29.9 percent.....:!:

My Credit score 783, showing as fair and I wasn't showing on the electoral roll so I queried this with the council and this was corrected.

My score then went up to 838 which according to Experian is still only Fair.

I have no defaults, all payments up to date going back several years with no late payments and still a fair amount of available credit left.

The only possible thing I can think of is I had a Wonga loan 20 months ago as I had just had a big unexpected bill which would have meant an unplanned overdraftso in this instance, Wonga was cheaper than the fees.

According to Experian I have no adverse info, all good accounts yet still only a fair score.

Anybody any ideas on how this works ?

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Hi welcome to CAG,

 

Many things will affect the ' mythical ' credit score those 3 figures relied upon as a gospel reflection of your ability to obtain credit.

 

The 'score' is intended as a day today guide for you alone!

 

Pay day loans will have an adverse affect on credit profile (often seen by potential creditors as a sign of desperation).

 

The number of accounts that are 'ticking over' i.e. CCs with minimum payment only being made will also make a difference.

 

The type of accounts will also determine the 'score' level e.g. non credit accounts such as mobile phone accounts and utilities will not have an upward impact on the score.

 

I suggest checking Equifax to see what it has on file, they do vary wildly.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I did as you suggested Brigadier and Equifax has me as a good risk although there are a couple of issues not showing on Experian.

 

There is a default from a linked address......one which I left in 1983.....not mine I would add although the person concerned has the same Surname but different Christian name.

Also still showing as financially linked to my ex despite being apart for many years.

Also I am showing as having been on the Electoral roll at one point at this address but not currently...which is also incorrect as I have the letter from the council now confirming it.

 

Don't know if its worth the effort of correcting anything as I am not seeking credit for the forseeable future.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Personally I would write to the data controller at Experian and require them to remove the linked address data.

 

This is a common scenario Equifax has me at Excellent yet Experian shows top end of good, appears to be one late payment 2 years ago when I was hospitalised for a while.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Show off! :madgrin:

 

Hard work, monitoring all credit and other accounts, and taking care for years.

 

(being in an area where financial probity is essential also focuses the mind)

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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