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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
      • 160 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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Can someone tell me the perfect home insurances I have been payin for prob close on 5 years are they optional

 

as I have always been told they are mandatory since I joined them.

 

If they are not what are my chances of making a claim back on them

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they are optional yes

 

have you all the statements?

 

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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No don't think we have been sent any for ages we just pay by card over phone each week , never even knew it was optional til I was browsing this site to be honest as we were always told we had to have it

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Optional.... if youve been pressured into them then you can claim them back as a mis-sell...

Get a SAR request off to Perfect Home now!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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pers i'd hit them for the lot

 

let them try and argue about whats allowed back.

 

and at their int rate not 8%!!

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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you'll need a £10 PO

 

so easiest way is to printout the SAR

 

put it in a 1st class env

 

go get the PO

 

put their name on it

 

pop it in the env

 

and ask for free proof of posting at the counter

 

the sar is too get all the statements.

 

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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Wake up... It's not a mandatory product you have to have... We keep saying this!

 

I don't mean it to sound harsh... Company policy doesn't overwrite the FSA, FCA, OFT, Or Law

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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This is a question rather than advice,

 

but what do Perfect Home's terms and conditions say?

 

They make loans to pay for furniture and household goods don't they?

 

Traditional Hire Purchase where Perfect Home remain the owner of the goods until the loan is repaid?

 

So why can't they make insurance mandatory as part of their conditions for making a loan?

 

Their website Home page says

"We may require you to take out theft and accident cover if you do not have home contents cover."

 

I can see there's scope for argument about whether this was properly drawn to mart2012's attention in this case,

but in principle why couldn't Perfect Home make that a mandatory requirement if you take out a loan, at least until the loan is repaid?

Edited by Ethel Street
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I understand that but me and my wife have bought a lot of stuff from these and paid off a lot of items

so I would be more than happy just to claim back on the purchased items as that in itself would be a small fortune

as we have been paying them over £30 a week for around 7 years.

 

I did read on the martin lewis forum about claiming this insurance back

and he said it wasn't possible but im willing to give it a try for the bit of effort and the small fee of £10

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there are many successes.

 

just 'because' it's in a T&C Doesn't make it lawful nor unchallengeable.

 

as with PENALTY charges & T&C's with creditcards and loans.

 

there are NO RULES whatsoever that say HP goods 'must' be covered.

 

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

just 'because' it's in a T&C Doesn't make it lawful nor unchallengeable.

 

Of course not, that's just a truism. The opposite is equally true. But back to this specific case, what is the basis for asserting that the t&c requiring insurance is unlawful, which appears to be the advice to mart2012? You need some legal basis for challenging a t&c, what legal basis should mart2012 use to challenge the insurance requirement?

 

there are NO RULES whatsoever that say HP goods 'must' be covered.

 

How's that relevant? The assertion that's been made to mart2012 is that there are rules that say insurance in these circumstances CAN'T be made mandatory in an HP Agreement, an entirely different thing. Which rules are these?

Edited by Ethel Street
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  • 2 weeks later...

..

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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