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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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Free Equifax credit report via Money Advice Service 15-31 March


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From 15 - 31 March 2014, Equifax is offering all visitors to the Money Advice Service website access to their statutory credit report online free of charge – normally available for £2.

 

To view to your statutory credit report online please use the promotion code 4357 when registering on the Equifax website.

 

When you reach the payment details section of the registration process, enter the promotion code and click on the ‘Apply Code’ button. No payment details need to be submitted.

 

Once Equifax has confirmed your identity you will receive an email confirming that your account is live and you can access your statutory credit report online.

 

If Equifax has difficulty verifying your identity you will be asked to contact them by phone. To make sure you get your free online statutory credit report offer please quote ‘Money Advice Service offer’ when you call

 

https://www.moneyadviceservice.org.uk/en/static/get-your-free-credit-report

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Had fun & games with Equifax yesterday. I had a previous trial.

Tried for the free month's trial. Tried logging in, tried security password.

Told to call, called went through, load of questions at snail's pace.

The new security question didn't come up, it was the previous

security question, in the end, I just told her to forget it.

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They are data mining !

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Worked for me and when I trawled through the SELL SELL SELL I managed to get my report,

 

a 51 page pdf plus it shows an incorrect default! l didn t know it was there-

 

l returned a car on HP after half way no problems.

 

Got new finance from Same company far next car.

 

they recorded it As unpaid, late, then note it a defaulted,

 

and hare me shown as gone away with out leaving a new address

and wore there a 4 grand balance instead of NIL! Bah, some sorting to do...

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You will need to do 3 things.

1. Check the other 2 main CRAs, the debt will no doubt show there as well.

2. Place notices of dispute/correction on the entries, the agencies will contact the creditor for verification.

3. Formal Complaint to the Data Controller of the finance company.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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