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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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Benificial Finance/ HBC


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Hello folks ive been looking through the site about this lot and was wondering if anyone can give me some pointers. Last year i took out a loan just before xmas and took the insurance out with it ,now i was made redundant in the feb and put on incapacity benefit and to be honest with all that was going on i tried to pay them back without claiming the insurance. When i eventually did try to claim it ive had nothing but hassle as the bank defaults me most months and the insurance keep sending letters saying they dont have enough details to process my claim. In the mean time they have phoned twice to ask if i want to top up "at competitive rates" lol ,the insurers are called Hamilton Insurance in Birmingham. Has anyone had any dealings with them and does anyone have any solutions to push this on? Thanks in advance for any help. Hibbiejim

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Hi

I had two loans with them the first loan I took out I paid £250.00 for the insurance with Hamilton then when I paid that loan back I took out another one and took out another £250.00 insurance, Beneficial finance failed to tell me I still had the first one running so I made a complaint and have just recieved a letter offering me back the £250.00 insurance, If you are not having any luck why don't you ask for your money back if that will help you

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cheers for your reply ,i think its getting to be the only option as they keep putting obstacles in the way so they dont have to honour the agreement. thanks for taking the time to reply all the best

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Hi Jim. Im amazed that you are thinking of asking for the money back for the insurance. Would you do the same with hastle from your car or home insurance AFTER you need to claim.

If i was in your situation i would send them a strongly worded letter by registered post. State that you find there behaviour disgusting after accepting the payment for the insurance and if they dont respond positively you will report them to the relevant boddies.

State that you require the information they need to process your claim by return of post either by letter/email or fax (if you have one)

Like i was saying, if you had a 10 grand car and paid £300 for insurance then wrote the car off, you wouldnt accept the £300 just becouse they want more information. Whats the difference with loan insurance. You paid for it so they should pay out.

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