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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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Refund of Experian Insurance Fees


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Just a little anecdote from a few months ago. Meant to share it here sooner but got a little waylaid with other things.

 

 

I was an Experian customer last year and had subscribed to their £14.99 a month product to be able to view my credit report and credit score. At the time, I was not aware that I was also being sold an insurance policy for identity theft protection.

 

 

I decided to cancel my Experian subscription after a while; I didn't really feel it represented good value for money as I rarely apply for credit products. However fortunately I stumbled across this article when I was looking into cancellation, which I believe was prompted by CAG in the first place:

 

 

http://www.thisismoney.co.uk/money/cardsloans/article-2627599/Experians-6-month-cover-dont-admit-DONT-need.html

 

 

When I spoke to Experian to cancel my account, I challenged them about the mis-selling of their ID theft product and demanded a refund of each £6.40 monthly premium I had paid. The customer service adviser refused at first, stating something along the lines of the £14.99 was a non-negotiable fee.

 

 

However, when I disagreed with this position and quoted the advice in the article, particularly the part about getting in touch with the Financial Ombudsman Service, Experian finally relented. The customer service adviser returned after speaking with her manager and promptly refunded the premiums I had paid to date - about £50.

 

 

 

I was also offered their £2 per month "monitor" service. Of course, I politely refused :)

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