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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 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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Advice please????

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I was Director of a LTD company that unfortunatley had to cease trading in May of last year. I was not in a financial position to place the company into insolvency, and decided to wait to see if either HSBC or the Inland Revenue (my main creditors) would start winding up proceedures. I wrote to both these entitites explaining this and recieved no response. To this day the company is effetivly still trading according to companies house.


I have now recieved, today, a letter from Metropolitan Collection Services Ltd (any info on these guys would be appreciated) stating that i am liable for £10,000 regardig the HSBC debt for which they say i signed a Personal Guaranatee. I did take out a 10,000 loan through HSBC for the company but can honestly not say wether i had PG's this. times were frantic. Could they be trying it on? What options do i have? The letter states I need to contact them yesterday, having only recieved today, the letter was sent on the 3rd Jan 07. they also say the debt has been registered with CRA's until settled. i have checked my experian credit and there is no mention of this debt or the company chasing. even if this was PG'd, can they assign the debt to me personally? in addition, the letter was addressed using my middle name as my surname, would this have any impact?


In addition, whilst checking My CR, i see that CL finance have me down as defaulted on something for £470 back in 2002. i do not know what this is and have recieved no correspondance, all thouigh I had moved. I dont really want to call these people and re-ignite something I may have forgotten about, but I dont want it on my cerdit report either.


Any help on these matters would be great! Thanx in advacne.


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metropolitan are HSBC's in-house collection agency.


ask them to prove to you that they have a signed copy of any PG.


call business debtline on 0800 197 6026, it's free and they are very clued up when it comes to this kind of thing!

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They may well have a PG as it is standard proceedure to make the directors accountable should the company fail. As for the company still trading, this may mean you are already in breach of preparing and submitting company accounts, so it might be worthwhile to have the company marked as non-trading to save on this liability.

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