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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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Complaint to B F


Fedup44
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Hi All.

 

 

I have read some of your posts regarding this company.

 

 

I took out a loan with B F in 2009 which i really wish i could have avoided.

 

 

Like some of you I was charged for home insurance, way way above general market rates even though I had home insurance.

 

 

I complained to them and received a full refund.

 

 

Recently I became unable to work through first being made redundant and decided to go to university.

 

 

I then became sick so couldnt work part time to keep up payments.

 

 

I kept BF up to date with everything.

 

 

However they still continued to add interest and charges to my account.

 

I put in a complaint to the company 3 days ago.

 

 

They have only today rung to say they will agree a reduced payment based on my current income for 30 days,

 

 

however the interest will still be applied which amounts to more approx 4 times my reduced payments.

 

 

I have spoken to the FSA and there are regulations they must adhere to with respect to the treatment of customers.

 

 

My next step is to contact the financial ombudsman.

 

 

I will update this thread when I have further news.

 

 

I hope this is useful.

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if they have levied arrears or penalty charges

 

 

get reclaiming

 

 

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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Thank you DX.

I understand completely what you are saying about this company.

 

 

I have received the agreement in writing.

 

 

However, they are asking for copies of letters from DWP re sickness

which of course shows my national insurance number, date of birth etc. and all sorts of personal info

which Im not sure I want to provide all my personal documents.

 

 

Who knows how secure this would be?

they have given me 30 days to provide this.

 

 

No other company that I have dealings with has asked for any of this whatsoever.

 

 

Just shows exactly what this company is like.

I just cannot wait to be shot of them!!!x

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Sorry forgot to add,

the letter they have sent says 'any arrears charges .

...will not be incurred...

. however admin charges may still be incurrred...' which is on the back.

 

 

This list includes 'Additional charges' at the bottom and gives no specific amount

but says you will be notified in advance what this will be.

 

 

it seeems to be they will charge for any they like for any amount they like.

They clearly look for every loophole in the law.

I wonder who is at the top of this company?

that would be interesting....x

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How much was the loan. Was it secured or unsecured.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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admin fees are PENALTY charges

and I believe they have refunded these on numerous occasions.

 

 

as for the pers info

theres nothing to stop you blanking out anything you do not want them to have.

 

 

simply just leave the bit that proves sickness.

 

 

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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also by home insurance

do you mean buildings?

 

 

that's the ONLY one that must be inplace for a mortgage

[if you already had this with say your main mortgage, they cant charge for it 'twice']

the rest are not compulsory

 

 

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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