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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 
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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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Step Change Settlement BEWARE


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Hello

 

Not sure if this is common knowledge but Step Change appear to be doing a settlement scheme for debts. I will use hypothetical figures.

 

Lets say you owe a combined amount of 11,000 they will confirm a minimum requirement for them to work with you say 7,000 (approx could be slightly less)

 

Now the reason I would consider using a Debt Management company would be that they say on their blurb they have all their best experts in this department and have contacts, negotiating skills etc so it might be a bit over the odds but may be more successful reaching a settlement.

 

and here's the rub.....

 

They say you would need to send them the 7,000 and they would forward it to the creditors pro rata BEFORE any negotiations have started!

 

If the creditors decide they do not want to accept it as a final settlement, then they can just keep it!

 

So can you tell me if given a lump sum of 7,000 a debt agency would say "That ok mate its not what you owe, but I will let you off anyway and I really don't want't you to keep paying the 100.00 dmp you have been paying anymore....or is there a likelihood that the debt collection agency might just say "Thank's for the 7,000 we reject your offer and by the way, can you keep paying the 100.00 a month on your dmp.

 

Step change were upfront about the fact they hand over the money regardless but I find it hard to get my mind round the fact that for me they should be negotiating a settlement and only sending the money if it's a guaranteed agreement.

 

Of course go direct and offer. Just thought this might be of interest

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Well for sure if I were trying to negotiate settlements under my own steam, I wouldn't hand any money over until I had guaranteed written confirmation that what I was paying was a full and final settlement ?

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Well for sure if I were trying to negotiate settlements under my own steam, I wouldn't hand any money over until I had guaranteed written confirmation that what I was paying was a full and final settlement ?

 

Exactly I am just wondering who would use this service and a heads up to anyone new to all this and that maybe has a DMP with Step Change (Which is very good) to beware of this service

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NEVER USE A DEBT MANAGEMENT COMPANY

 

Some of them are run by debt collection agencys

 

They will charge a fee and or missappropriate funds

 

They do nothing that you can not do yourself.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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