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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Yes car credit


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Going to claim back ppi from yes car / direct auto finance, don't have paperwork, any info on what I do and who to write to as last letter has been returned as no longer at this address, bought the car about 2000

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Hi and welcome to CAG

 

What address did you use to contact YCC?

 

A simple letter should suffice but some companies will require you to send a SAR

In our library is a SAR template letter. Once we have the correct address you send them that with a £10 postal order and they will send you all the account info.

 

Companies have a duty to keep account info for 6 years after the account is closed. How long ago did you use the account?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi and welcome to CAG

 

What address did you use to contact YCC?

 

A simple letter should suffice but some companies will require you to send a SAR

In our library is a SAR template letter. Once we have the correct address you send them that with a £10 postal order and they will send you all the account info.

 

Companies have a duty to keep account info for 6 years after the account is closed. How long ago did you use the account?

 

You don't need to send a SAR to complain, just a letter of complaint giving your reasons. The SAR method is only really used by people who want to jump on the bandwagon but aren't sure if they've had PPI or if they've got anything to complain about.

 

There is also no requirement to keep records for six years. Many do as this is seen as best practice and covers the potential liability period under the Limitations Act.. However, it is not a legal obligation.

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Going to claim back ppi from yes car / direct auto finance, don't have paperwork, any info on what I do and who to write to as last letter has been returned as no longer at this address, bought the car about 2000

 

You wouldn't send any complaint to them in any case, you would send it to the seller of the insurance (presumably the garage where you bought the car). However, if the date of purchase is as above they do not have to consider the complaint.

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You don't need to send a SAR to complain, just a letter of complaint giving your reasons. The SAR method is only really used by people who want to jump on the bandwagon but aren't sure if they've had PPI or if they've got anything to complain about.

 

There is also no requirement to keep records for six years. Many do as this is seen as best practice and covers the potential liability period under the Limitations Act.. However, it is not a legal obligation.

 

This is incorrect. My answer was slightly wrong too.

 

This is from the HMRC website regarding the Money Laundering regulations.

 

It's very important that you keep a record of all customer due diligence measures that you carry out, including customer identification documents that you've obtained. By keeping comprehensive records you'll be able to show that your business has complied with the Money Laundering Regulations. This is crucial to protect your business if there's an investigation into one of your customers.

The types of record you keep may include:

 

  • daily records of transactions
  • receipts
  • cheques
  • paying-in books
  • customer correspondence

You can keep your records in any of the following formats:

 

  • originals
  • photocopies
  • microfiche
  • scanned
  • computerised or electronic

You must keep your records for five years beginning on either:

the date a business relationship end

the date a transaction is completed

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Take a look at my thread here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?381105-Yes-Car-Credit-Direct-Auto-Finance-PPI-REclaim

 

I wrote to their Bradford address at Direct Auto Finance Ltd, No 1 Godwin Street, Bradford, West Yorkshire BD1 2SU

 

They do hold an awful lot of information on your account still. Mine was from 2002 but it was still 48 pages long and contained things I'd never even seen before.

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This is incorrect. My answer was slightly wrong too.

 

This is from the HMRC website regarding the Money Laundering regulations.

 

That only relates to the customer due diligence measures that they have carried out, I.e the copies of your passport and gas bills that they usually ask for when opening your account. It doesn't relate to records of specific accounts you hold. I.e as long as they retain your identity proof for five years they can junk everything else. This case is outside even that time frame in any event.

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Ande4 - just so you are prepared; all YCC agreements were HP rather than unsecured credit, and these account types were not regulated by the FOS until 2005. As you agreement was started before then, YCC can, and probably will, tell you to get lost, as they know you cannot take your complaint to the ombudsman. I am not saying that you should not try, but simply warning you not to get your hopes up.

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Ande4 - just so you are prepared; all YCC agreements were HP rather than unsecured credit, and these account types were not regulated by the FOS until 2005. As you agreement was started before then, YCC can, and probably will, tell you to get lost, as they know you cannot take your complaint to the ombudsman. I am not saying that you should not try, but simply warning you not to get your hopes up.

 

You would certainly need to be prepared to go to court.

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