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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
      • 160 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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just wondering if bayv stating that you have to take their insurance or be covered by your own home contents insurance is the same codswollop as bright house?

 

they do acknowledge that the extra warranty is optional just not this insurance.

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Exactly the same as brighthouse.

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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  • 1 month later...

No law that says you MUST have insurance for HP goods. Sure, they can reject you if you dont take it, but they cannot force it on 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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Dear Flynnsmum123

 

The comments from both

 

renegadeimp & babybear39 are both correct is so much that no insurance is mandatory, however unless you have cover for most products on our HP agreements we usually require some form of cover, for which we have a 3rd party insurer that can provide this. If you do have cover or would like to obtain it from elsewhere we would be more than happy to remove your current insurance.

 

Just one point of clarity however our cover is not exactly the same as other HP companies such as BrightHouse as ours is a full insurance in that it replaces "new for old" as opposed to simply a remaining payment waiver.

 

If we can be of any further help please contact customer services

 

Kind Regards

 

BAYV

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  • 7 months later...

i'd like to claim these back,can i send the letter via email to the ceo? pretty much on first name terms with that department lol

 

i know online its classed as all sorted but the last time i spoke to someone it was 2 separate things?

 

i got one of them removed a while back but didn't claim the payments back,but i was still told i need the other because as usual 'i don't have home insurance'

 

do i need to fill in a spreadsheet or anything? can interest be added on?

 

i read here enough that i should know these things just want to double check

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From experience on these forums, the CEO simply shrugs off any responsibility onto the various stores. As a general rule, you can reclaim all insurances and interest at the rate they charged. If you took out one of their new agreements, it is harder to do as they have thrown everything in together to try and stop people reclaiming it, so they can make even more money off the vulnerable.

 

It seems theyve started to copy Brighthouse's business method.

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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if they are open tomorrow i will double check what i am paying for.

 

i got one thing last june and the other about 3/4 months ago.

 

i was able to cancel one insurance so fingers crossed that i don't have them lumped into one.

 

there isn't a store near me so if he pulled that he'd be onto plums ha ha

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I got all the information from them so it's as follows:

 

Agreement 1

Total amount - 862.68

 

Start date: 22/6/13

Insurances: allsorted £1.45 p/w

Eps £1 p/w

Cancelled allsorted: 2/4/14

Interest rate: 49.9%

 

Agreement 2 - 1462.89

 

Start date: 1/3/14

Insurances: allsorted 2.49 p/w

Account closed 13/3/14

(TV was broken when I got it)

Interest: 49.9%

 

Agreement 3

 

Start date: 15/3/14

Insurances: allsorted 3.17 p/w

Eps 2.60 p/w

Allsorted cancelled: 2/4/14

Interest rate: 49.9

 

So now I have all this,what do I do with it? Lol

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If you have full statements so you can see exactly what insurances there are plus the amounts you paid each week, then you need to enter it into a specific spreadsheet ( Theres one on these forums somewhere), and get the total value from it.

 

Basically you'd need an itemised statement so you can check for each amount and that it tallys up. Not simply go off what they have said.

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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I think so. Hold on for confirmation though. Im not sure if the higher rate is for reclaiming penalty charges or insurances.

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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  • 2 weeks later...

the spreadsheet is automatic

 

you don't have to put anything in the days elapsed col.

 

all you do is put THEIR int rate in cell D15

 

and the list EACH WEEKY payment of all sorted

 

entering the date/description [all sorted] and that weekly amount

in the first 3 colms

 

use the CISHEET

 

dx

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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  • 3 weeks later...

attached the pdf. i dunno why it keeps chopping the document when i convert it,tired different programs and its the same outcome.

 

it seems to have changed the dates around from DD/MM/YY to MM/DD/YY weird. thats not what the original is like.

 

have i entered everything right?

 

[ATTACH]52205[/ATTACH]

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set you page size to a4

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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ok try a diff way

instead of converting the spreadsheet to PDF

 

simply attach the xls file

 

the printing to PDF issue will be fit to page option

in the converter software

 

don't forget you can download free adobe print to pdf addd ons for MS office.

 

dx

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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