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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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Grattan Catalogue - refusing credit

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My mum and myself have been with Grattan catalogue for well over 30 years

- so you can imagine the amount we have spent..


...3 years ago I ordered a 50 inch tv/fridge freezer/washing machine/laptop/ipad and the bill came to £5400 ..


..i've now paid half of it off and have a current debt of £2600 (which I'm still paying)...

.my mum has a debt of £1,000 with them.


According to the credit available to spend we have over £8,000 available

(I say we as my mum is elderly and I have a computer and I arrange the monthly payments online).


For christmas, my children wanted a desktop computer each (to stop them arguing) at a total of £1600 for both

(Yes, a lot I know but, when you don't have cash on hip to go and buy one

- you have to pay through the nose).


Two credit agreements arrived (already signed by Grattan's head office)

- I signed them and sent them straight back....and was awaiting delivery.


I checked online and the computer's had been 'cancelled'.


..mum rang them and they were quite abrupt and said we didn't have enough credit available (????£8,000 is what then?).


We have never failed to pay, never defaulted, my mum is a VIP agent having been with them since 1983 .


Grattan have said people have ordered items from them and never paid

- so they're stricter with their credit terms.


What I want to know is - is my credit agreement legally binding?

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What does your credit agreement state? Have they ever sent any altered terms?


Did they give you a reason in writing why you were denied further credit yet had a current standing of £8000? What exactly did they say to 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


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They said that we're limited to £3000 each as other agents were ordering well above their 'means' and then not paying - we have never 'not paid' and nor have any of our previous customers (3 years ago it was £6,000 credit each for me and my mum as we were joint VIP agents)...we've never been refused credit with Grattan in the past ....if we sign any new customers, they will have a starting credit of £250 (it was £500 before !)....another one of our customers who has previously spent over £2,000 on a bed and bedroom furniture (AND paid it up in full) - has had her credit reduced back to £250 - she is also furious (she has an excellent credit rating with Experian). I've seen various forums around the internet saying it's since the Americans took over Grattan/Freemans that agents are having problems ordering items within their credit limits others have moaned that credit limits have been tightened recently. We've not had any written/verbal communication to say that credit limits were being 'limited' to this extent....Grattan say it is happening to other agents/customers too

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