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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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hsbc managed loan


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Hi,

Please can anyone give me some advice.

 

 

I had to take on my violent ex boyfriends debt in July 2007 to get away from him and

 

 

it was for £23,000 in the form of a managed loan by hsbc (very helpful of them!! not!!)

 

The loan was 13.3% and variable. payments are £316 a month

 

I have been paying this loan for over 6 years now and the balance shows as £9.916.89 today.

 

During moving I lost the paperwork for this and the bank have also now admitted they have lost their agreement also.

 

 

My question is I cant remember how long the loan was over and the bank say it was for 12 years when it was drawn up.

 

Well im confused

 

 

as if I pay £316 for another 6 years that's well over the balance that's left as only about £60 a month goes out on interest.

 

 

So my sums show the balance should be cleared in 3 years not 6 years???

 

 

help please??

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Hmm, it might be worth sending HSBC a Subject Access Request. It will cost you £10.00 - they have 40 calendar days in which to respond. I have popped a link to the draft request below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

 

Managed loans were probably one of the worst type of loan.. very one sided and often there were "problems" in setting them up. Proper affordability checks were not done or they were arranged so that the Bank itself was covered, but they might not have taken your true income and expenditure into account.

 

They should definitely have a copy of the loan and I would be asking why they don't, if they have "lost" it.

 

Do you know if there was Payment Protection Insurance on this loan. They very nearly always did have this applied !

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