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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
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    • 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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Disputing Broker Fee and Mortgage rate.


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Hi all.

 

Looking for some advice please :

 

After reading a little on the reclaiming of various fee's / charges I wanted to find out more about this matter.

 

Looked into my mortgage paperwork and noticed that during the past few years the Broker has been paid over £3,000 and £4,000 for arrange a mortgage of £200,000 and that the rates are not high street rates eventhough my credit rating is very very good.

 

Can you reclaim the fee's paid to Brokers and can you dispute the interest rate that the Mortgage Company is charging ?

 

I am understanding that had a High street lender provided the mortgages the arrangement fee would be approx £400 and the monthly payment would be at least 30% less.

 

Regretting not looking into this further at the start.

 

Any info would be great - Thank you Forum.

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that's sounds about right

typical 'trick' to line their pockets

 

name names please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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that's sounds about right

typical 'trick' to line their pockets

 

name names please

 

dx

Dx they are a subprime lender who was fined many millions for mistreating customers.

 

Who pays back the commission ? The broker or the company that employs the broker and can you change the current interest rate on appeal ?

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then name them - Kenny's I suppose?

 

not sure what you can do

but certainly there are regulators and MCOBS to use.

 

however, i'm trying to gather info on the thread

so the knowledgeable ones will help you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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imo, in view of your good credit rating, you would have a complaint for mortgage miselling. Purely for the brokers commission, you were sold a subprime mortgage when you would have qualified for a standard high st mortgage. Write a letter of complaint to the brokers involved, and take to the fos if refused, mortgage unsuitable for your needs

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std court 8%

 

you have been deprived of the money

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

like pulling teeth this thread

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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like pulling teeth this thread

 

dx

 

Sorry for not naming names but I wanted to find out more info before naming the company -please Accept my apologies and thank you for taking the time to reply - it's very much appreciated.

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I reckon its worth starting from the beginning. I would send the mortgage company a DSAR letter (there is a template somewhere...I will try find it later as I am.at work currently and working from my phone). Within the paperwork they send you will be all the paperwork the broker filed . You may find quite a bit in there as brokers were getting all sorts of commissions for selling bad mortgage. ..like selling a self certification mortgage when the customer could prove income...selling a sub prime mortgage gave them a higher commision rate.....adding commision fees which is sometimes unknown to the customer xand the list goes on.

 

you will have afull list of all fees applied to the account also.

 

once you have everything you need you then complain to the mortgage company for any charges and the broker for any mis selling

 

xx

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