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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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financial questionnaire from drysdens/capquest


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Hi could anyone give me some advice, I have a debt with capquest from a catalogue (one of many debts accrued when my husband lost his job) i wrote to them offering them a £1 a month as the rest of my creditors have all accepted, today i have got a letter off drysdens Fairfax solicitors with reference to the capquest debt asking me to fill in their financial questionnaire and provide 2 recent payslips. do i have to provide payslips to them? im not trying to hide my wage or anything just that it has all my personal info on like national insurance number. should i do what they ask?

thanks in advance

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Hello there,

 

You do NOT have to send a payslip, and refuse to do so. If they demand them go through their formal complaints procedure. It is common practice to send an income/expenditure form - and that should be sufficient in itself.

 

How old is the debt? Are their charges that you could reclaim? Is there payment protection insurance?

 

Seq

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thank you for that, the debt is only about 12 months old and didn't take out PPI. im sure there were charges put on though for non payments when things got tough, do you think i could claim these back?

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yes, unfortunately loads!!! but i have been on here a lot and have managed to get them all in order with payments i can afford for the moment until my circumstances improve or i win the lotto :-) !!!!

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Have you checked enforceability on those debts?

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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they are mostly pretty recent, there is one fro the 1980s (Barclaycard) that is with Lowell now i did ask for the signed credit agreement for this as advised on here, and they supplied it.

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Did they supply the full original one, complete with terms and conditions and any changes?

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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