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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
      • 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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PPI Refund of Premiums After Full & Final Settlement


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I've recently reached an agreement with all my creditors for a full and final settlement of my debts,

including NatWest who owe me several thousand in PPI.

 

 

During the complaints process I went through in order to get this agreement,

it has transpired that my PPI claim from last year still hasn't been paid out.

 

 

NatWest said they were going to use the money to pay down my existing debts but I refused to sign the acceptance form

because they had previously informed me they would at least pay the interest to me directly.

 

 

Since my complaint, they have agreed to pay the interest directly to me, but are still saying they will be paying the premiums towards my debts.

 

What I want to know is,

if I make the lump sum payment, and my accounts are marked as partially settled (as per my agreement with the bank),

can the bank still keep my PPI premiums after that, or do they then have to pay them directly to me?

 

 

I've put in a complaint, and demanded that, in light of my F&F agreement,

they pay the premiums directly to me, otherwise I will pay a reduced settlement amount.

 

 

However, it's still all slightly up in the air because I haven't made my F&F settlement payments yet,

and am a little reluctant to do so until I have sorted out the PPI matter

because I don't want to pay the F&F amount and then effectively have my PPI premiums used

to pay the bank back more than was agreed.

 

 

Hopefully that makes sense?

 

What I'd like to know is, does anyone know whether banks can use PPI premiums to further pay down debts after a F&F settlement,

or if they have to be returned to me in full once my accounts are closed and marked as partially settled?

 

Thanks

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you'll only get back the PPI you ACTUALLY paid.

 

 

I hope you've sent them a CCA request for each debt?

are they on your credit file?

 

 

give us some dates too

 

 

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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