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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 
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    • 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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Need advice on swifts


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Hello,

 

Firstly, I am writing this on behalf of my mother who does nothing and hopes everything will be fine but i am not sitting there doing nothing. Some years ago, my mother got a re-mortgage from swift advances. I know it was not too much but not sure how much it was. When my father got ill and he could not work, she could not afford the repayments. They kept on demanding that so much be paid a week, which she could not afford. Last year they repossessed the family home and the family moved out. I am not bothered about that as it was a really bad neighbourhood and glad to be out of there. But Swifts went to court not only for a repossession order but also a demand for £11,000. I know my mother never borrowed that much and she is a pensioner with not much money. They moved out and never told swifts where they were moving too and they tracked her down this week, sending her letters demanding the full £11,000. They have taken the house and in No way is anyone sending them any more money so i need some advice. The CAB are not much help here as they around here are notorious for not passing on information to relevant parties so i am not wasting my time with them. Any advice as too what can be done please?

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  • 2 weeks later...

Hi Slider, are they asking for £11k because there was a shortfall when the house was sold? I would get the agreement and have a look to see at what age your mother was when this loan was sold and over what period of time to pay. How much was it for? How much was repaid? Was there PPI? Is the broker still operating? If you can provide this info first before we ask anything else. I would recommend you make an appointment with the Money Advice Officer at the CAB which can be done at any CAB of your choice but they will need the above info for starters. It's inappropriate lending which must be tackled.

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Maybe a SAR is in order on the OB in order to get all the paperwork needed

 

Penalty charges as well, might be worth claiming or counter claiming those as well.

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How long ago was the re-mortgage taken out?

When did payments cease?

When was the repo order made?

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You also say re-mortgage. Was there another mortgage and repaid by a Swift loan or was there an existing mortgage and a loan taken from Swift secured on the property?

 

Come back here when you can with any info you have to start the ball rolling then we can explain more about SAR etc.

 

Have a read of this and there is a section for mortgages sold which run past retirement http://www.which.co.uk/consumer-rights/problem/i-think-ive-been-mis-sold-my-mortgage-what-can-i-do

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