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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

Interest Only Mortgage - ending 7 years


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Hi

 

I'm after a bit of advice.

I am currently interest only on my mortgage and owe approx 63000. This ends in 7 years. I am in no position to remortgage. Because of my poor credit rating and type of house I'm in.

As I know this 63000 needs to be paid. What is the best way. Do I up my monthly payment to my mortgage company or save up over the 7 years. (I actually thought I had longer)

 

Thank you

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Hi.

 

 

Have you spoken to your mortgage lender? They should be able to advise on the best way to reduce or pay off your mortgage.

 

 

 

They might also consider converting your loan to a repayment one, possibly extending the term of it to make the payments lower. I think it's going to be difficult for people here to advise you in depth because you won't be able to put that much information on an open forum.

 

 

HB

Illegitimi non carborundum

 

 

 

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Well if your credit rating is poor now in 6yrs if all your debts are defaulted they should not longer show.

 

Many co.s now do extension on int only mortgage s

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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I am currently with acenden who I believe is going to Kensington from 1st December.

I didn't know that could be done in extending your mortgage to pay it off.

I probably wait until Kensington take over before I ring them.

Just wondered if anyone could speak of their personal experience

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Oh god 2 of the worst lot to be with

Their mortgages are designed to make you fail from day one

 

I see you already know this...

https://www.consumeractiongroup.co.uk/forum/showthread.php?463799-Acenden-repossession-court-order

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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Share on other sites

what collateral do you have in the property?

If it is worth substantially more than the debt you should be able to transfer your mortgage over to a proper lender and then pay it off as a normal repayment mortgage.

 

How old are you?

If you are under 50 most of the big banks will be happy enough to lend to you but many smaller lenders wont want to offer you a good deal with a poor credit record.

 

Also, is property freehold or leasehold?

If the latter how long left on the lease?

makes a difference to their attitude as well.

Edited by dx100uk
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Oh god 2 of the worst lot to be with

Their mortgages are designed to make you fail from day one

 

I see you already know this...

https://www.consumeractiongroup.co.uk/forum/showthread.php?463799-Acenden-repossession-court-order

 

Yeah. My arrears are now cleared. So. Owe 63000 including 8000 costs theyve added onto my total of 55000

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what collateral do you have in the property?

If it is worth substantially more than the debt you should be able to transfer your mortgage over to a proper lender and then pay it off as a normal repayment mortgage.

 

How old are you?

If you are under 50 most of the big banks will be happy enough to lend to you but many smaller lenders wont want to offer you a good deal with a poor credit record.

 

Also, is property freehold or leasehold?

If the latter how long left on the lease?

makes a difference to their attitude as well.

 

I'm 41.

Now your talking mortgage terms, I don't understand. I was. Blindly signed into the mortgage I didn't know at the time of. Signing what I was signing. Mortgage advisor was useless.

I live in a bisf property which is very hard to get a mortgage for and at the time it was preferred mortgages. In which I get annual statements from them. But my payments have been made via acenden

I'm probably better off going to a trusted mortgage advisor.

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you need to get an sar running

get all the statements and get back any penalty fees they've charged inc any insurances building/contents /PPI

the ONLY ins you must have is buildings

if you already had that then they must refund their compulsory one if they've charged you it.

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... 

Link to post
Share on other sites

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