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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.

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      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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Pounds to Pocket issues


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Hello

 

I have four more installments left on my Pounds to Pocket loan and my financial circumstances have changed.

 

I have had to get a more expensive ticket to travel to work thus taking a chunk of out of my income meaning I have less coming in.

 

I spoke to someone last month and managed to get a payment holiday meaning instead of my loan ending on the 15/12/2014 it now ends on 15/01/2015. This was via the live chat and the "compromise" that we got to after half an hour trying to arrange a payment plan.

 

I want to pay what is owed but need more time. I have other debts that I need to deal with and I have to say that while others have been helpful- Pounds to Pocket have been a pain in the backside.

 

Any advice on how to deal with them?

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Block the method you are paying them. And write to them. Dont use live chat. You tell them what you are paying and send a budget summary to back it up. Dont be forced into what they decide.

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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Thanks for your reply renegadeimp. I like your cut of the jib!

 

I'm not feeling forced and I'm definitely not scared of them.

 

I take it a budget summary is a I&E form but not quite as in depth. I've cobbled something together which has my outgoings and how much I have left at the end of the month and an amount I'm able to pay back. Would this be sufficient?

 

I don't mind dealing with it via Email if that's possible. I travel for work a lot and hardly home to see their postal correspondence.

 

Much obliged

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I have private messaged a link that contains email addresses and telephone numbers for them.. We really don't want to be advertising for them, so please don put the link in your thread.

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Nope. They are only entitled to a very simple budget summary. Nothing more.

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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Only the simplest of details are required, if any. If you can only afford a couple of pounds per month, tell them and start making those payments now. Tell them it will increase as your circumstances improve, but please do it in writing even if you don't get to see the reply. Send it by recorded delivery and then you will know they received it.

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I didn't see this before I emailed them back a very basic income sheet detailing and an offer of payment.

 

They sent me a reply within a few hours via email with a payment plan and their banking details. I will set up a standing order and keep very close watch.

 

I did however receive another email with the subject of "Notice of Acceleration: Your Entire Loan Balance is Now Due" - i can only assume this is because of the payment plan.

 

I am thinking it is automated as I have already got a confirmation of the payment plan. I will be writing them a letter asking for confirmation of the payment plan before the first payment is due.

 

Thanks

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