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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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hi chaps


chris50
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Can anyone give me info on Marlin capital europe now marlin finaancial sevices now ("marlin") they have my loan of nram which i pay every month .think they are the same as all these credit guys thanks chris

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Hiya are you sure you should be paying this debt?

Have you checked your credit file to see if it is on there?

Have you got anymore details you can post?

If you don't do your homework now you may be paying for something that may/not be enforceable?

 

Any further details

 

MM

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If I have been of any help, please click on my star and leave a note to let me know, thank you.

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NRAM have sold all their old unsecured debts onto Marlin and OneSavings Bank. Below is a direct quote from their website. My NRAM loan transfer is now complete and is being administered by Mortimer Clarke, if you are already paying monthly you should have been contacted by NRAM, Marlin and Mortimer Clarke, you will need to change who you pay but the amount should remain the same and nobody can add anything to debt, if they do fight it.

 

As mikeymack has stated, make sure you should be paying it, although if it is an NRAM loan I believe all will be in order.

 

AS

 

Sale of NRAM personal loans

 

Northern Rock (Asset Management) plc ("NRAM") has agreed to sell and transfer it's portfolio of unsecured personal loans to OneSavings Bank plc and subsidiaries of Marlin Financial Group Limited.

If your loan is included in the portfolio of loans to be transferred to a Marlin Financial Group company ("Marlin"), then you will shortly receive a letter from each of NRAM and Marlin and as of 28 October 2013 the transfer of legal title from NRAM to Marlin will be complete.

Please note if you have not received these letters by 28 October 2013 then your loan will be included in the portfolio of loans transferring to OneSavings Bank. NRAM and OneSavings Bank will write to you in early 2014 providing details of the transfer. Until the transfer of legal title to OneSavings Bank, NRAM remain responsible for the on-going management of your loan.

Idem/ACM and RBS Lombard Full refund of fees.

Blackhorse Car Loan Full refund of fees without argument.

Argos store card (Home Retail Group) are fighting back. see my posts.

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