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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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i have had mm on my back for their last payment. but the thing is i have had my car scrapped,

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hi i need some advice took out a log book loan with mobile money when my car needed taxing had to pick up the log book from them but i never took it back and they never asked for it, anyway the car was due for a mot and tax at the same time but i couldnt afford to pay so my partner told me to scrap the car (i never told him about the loan) so i did,is this illegal???? but i kept up with the payments and never told them i had the car scraped now they want my final payment of £180 but i cant afford this is there anything i can do

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It all really depends on what your agreement was. I don;t think the loan was secured on the car - but you perhaps have a different problem - if they hold the V5 as 'security', then there is a possibility that even though the vehicle has been scrapped, the DVLA still believe it to be on the road. This means unless you tell them it is scrapped (and use the form for this in the V5C) your liability remains.


As for the £180 you owe LBL, they'll still pursue you for this, irrespective of whether you have the car or not.

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yes i sent the log book off to the dvla so they know it is off the road but the company phoned me yesterday and they want their money or they will send some1 for the car which i no longer have but i aint told them that

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took a loan out with mm and have not been able to make my last payment, but about 7 months ago i went to pick my log book up so i could tax the car,then realised the car also needed mot but i couldnt afford that so my hubby made me scrap the car have sent the log book to the dvla but aint told mm i have done this,nor have they asked for the new mot they now want to take the car as i have missed the last payment,what do i do???? should i tell them i have scrapped the car???

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They are valid,as far as i am aware

** Credentials **


10 Years Finance Fraud Investigator


5 Year High Court Sheriffs


2 Years Tip Staff Royal Courts


Currently : HMCS Enforcement Officer

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hi kwoo.

have you had any replies to your last post as i have had mm on my back for their last payment.but the thing is i have had my car scrapped, i sent off the log book to the dvla so they know it is off the road but mm don't as of yet,so don't want them phoning the police as my hubby don't know i took out a loan on the car.but surely if the log book is your name then there is nothing they can do as you are the registered keeper and it is up to you what you want to do with it do you think this is right??:confused:

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oh my god need advice fast have just been reading the bill of sale that i was given from mm and it says that they have the right to seize the vehical hereby assigned then he and his agents may enter and remain upon any premises where the vehical may be and if necessary break open doors and windows in order to obtain admission is this right :eek:

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Is this the same log book loans aka Nine regions ltd?


If so i took out a loan of £1200.00 and had to pay back £2539,00 which is more than double the loan amount and is robbery. I have now finished paying the loan back however the company want £603.00 for phone calls and letters for so called arrears.


I have just recieved a notice of termination saying if i dont pay the arrears they are coming to take my car.


Just wanted some advice to help me out? Is what they are doing legal?

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I'm hardly suggesting that lbl loans have paid out thousands of people in out of court settlements, i mearly said that " the day they can legaly break into someones home & just walk out the door with your items will be the day lbl writes of everyones debts as a goodwill gesture " meaning it will never happen because they cant break into your home

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Everything will be hinged on what the Terms & Conditions you agreed to, so to successfully challenge you need to prove that either the amounts claimed are in error or are unreasonable.


This is separate from the issue of the amount of interest they charge - LBL is a licensed moneylender, they specialise in sub-prime lending and charge accordingly. Since many people are rejected by standard lending outfits, they serve a niche market and are allowed to profit from in in this way.

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have just got inb from work and there is another message on my answer phone from mm saying that if i dont pay the £180 that i owe them then i either have to take the car down to them or they will send out some one to collect it so should i give them the address of the scrap yard that i took it to because as every1 is saying the loan is on the car not the owner????

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No, I was suggesting that - and it's true, they have and they are.


Sorry m8, wires a bit crossed there about above, but they can't break into your house & just start taking things can they.

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I've got the same thing on mine, the day they can legaly break into someones home & just walk out the door with your items will be the day lbl writes of everyones debts as a goodwill gesture :D I would take that piece of information with a pinch of salt.


If someone does break into your house lbl or any other person then they'll be dealt with in the same manner as a burgler & probably sent to one of Her Majestys finest hotels :D


My friend insisted that a bailiff can break into a house & remove items, i had to prove to him wrong via the internet that they can't. If a door or window is left unlocked/open then they can gain access & remove goods but they are not allowed to remove anything which has a higher value than the outstanding debt


Like i said, if someone breaks in then it's a criminal offence, so don't worry about that, it's not worth the paper it'd written on ;)


I hope the info i have given you is correct & also help you to stop worrying a bit ;)

thanks for the info realy hope it is right cos they phoned again tonight and they r starting to get a little heavy
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happy days.

have just been looking up what a bailiffs can and cant do.they can only come in to your house if you invite them,so my advice never under any circumstances allow them in no matter what excuse they give,they can even try and get in through your back garden but once you have allowed a bailiff in to your house they can break in at any time if they cant get access and seize any possessions they think would be worth selling on.


so never allow them access.

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Thing is: they ARE NOT bailiffs so they don't even have those rights, and unless you keep cars in your house they would have no need to enter your home....
I know they r not bailiffs but they r still telling me that if i dont get the money to them by today they will be coming to pay me a vist which is v scary when you r on your own:(
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