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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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renee125
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I went into Argos to use my card which had an available balance of £50 (I logged into my account online to check) and the card was declined in store.

 

 

I called them up and they said my account has been closed and they are seeking to recover outstanding balance of £250.

 

 

I hadn't. Even. Profiled that it had been closed and been making payments each both.

They said I'd missed a couple of payments (which were late not missed).

 

 

If only received statement letters from them asking for minimum payment and they are still charging me interest!

I'm not in a position to pay more then the minimum payment but will never clear it at this rate and there's no point trying to and putting myself in debt with other creditors.

 

 

My husband is the only earner and we struggle month to month.

I've tried to keep things afloat but it's been hard.

 

 

How do I get a final balance from them and get them to stop charging interest?

 

Thank you

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Default Argos card closed

I went into Argos to use my card which had an available balance of £50 (I logged into my account online to check) and the card was declined in store.

 

 

I called them up and they said my account has been closed and they are seeking to recover outstanding balance of £250.

 

 

I hadn't Even been told that it had been closed and been making payments each month.

They said I'd missed a couple of payments (which were late not missed).

 

 

If only received statement letters from them asking for minimum payment and they are still charging me interest!

I'm not in a position to pay more then the minimum payment but will never clear it at this rate and there's no point trying to and putting myself in debt with other creditors.

 

 

My husband is the only earner and we struggle month to month.

I've tried to keep things afloat but it's been hard.

 

 

How do I get a final balance from them and get them to stop charging interest?

 

Thank you

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This is NOT a priority debt, therefore, it will ONLY attract the legal minimum token payment of £1 a month.

 

BUT, you need to communicate with them, in WRITING only.

 

Have you got ALL of the statements?

 

If not then a SAR (£10) should be sent to them to get ALL of the details, then you can work out how much you've paid, and how much of the balance is made up of their charges and fees.

 

Send them this letter http://www.consumeractiongroup.co.uk/forum/showthread.php?387358-Request-to-make-%A31-token-payments-for-X-Months-**Correct-as-at-October-2013** 2nd class but obtain ''proof of posting'' which is free from the PO counter.

 

Keep a diary of events also, once you have sent the above, then you can hit them with the SAR.

 

When did you take this card out?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If its closed or defaulted then they cant charge interest after the fact.

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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