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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
      • 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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ERC's -Lellypea v Kensington, Amber & Future

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Hi folks - I'm new here - this is my 3rd post - after 2 on ('WARM' !) Welcome bit.


Like many others I have now successfully claimed back all my bank pen chgs, so before the adrenylin level drops too much want to go after these three ERC's totalling 20K. I know it's not quite as well tried an tested as bank charges - so stand by pleeeeaaase guys to lend a hand (much appreciated) an keep picking me up an dusting me down.


I have received all my data from them and am about to send Zootscoot's

Preliminary letter for ERC (is she a whiz or what....thanks Zoot - from the new kid on the block!)


Before I commence tho I've got two charges/amounts I'd be really grateful for some guidance on.....


I have spoken to a client who is a mortgage broker an he's pointed out two other charges on my mortgage statements which he described as 'TOTALLY OUTRAGEOUS' and to 'go for'. However I don't know if I CAN claim for them too. They are:


1 FUTURE (ERC £4,700): At commencement of mortgage I was charged 'COMPLETION' FEES of £1,000 + £950 (both on same date) Claimable or not??? Anyone know?


2 AMBER/DERBYSHIRE (ERC £10,584 ..Gasp!): At commencement of mortgage I was charged 'HIGHER PERCENTAGE' FEE of £1,875. Claimable or not?


Based on my understanding of Zoots notes in FAQ I think the answer could be 'no'.......but as the amounts are high (.....and it seems 'totally outrageous' even by a broker's standards!!!!!) ......an I'm not too knowledgable in this area......thought I would run it past 'someone' well versed first....before I run snapping at their ankles!!!


With regard to the 'Higher Percentage' fee.....doesn't it just gall you at their cheek.....not satisfied with the higher percentage itself...they can go on adding more and more 'associated' charges on top and all for the privilege of ripping you off in the first place. Gggrrrrrrr!!!


I'm posed over steaming pc ready to strike back!!!!


Thanks in advance guys




After this I will split into 3 threads to keep things clear...is that OK???

2006 RatNest - Personal a/c:

JulyLBA, Aug Filed Claim, Oct Settled in full £7,000


2006 RatNest - Ltd Co a/c

JulyLBA, Aug Filed Claim, Oct Settled in full £8,000


2006 RatNest - Hub's a/c

JulyLBA, Aug Filed Claim,Sept Settled in full £1,000

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You want to look at my thread




Redstone is part of the Amber group...see how they are handling mine.


Also - for some reason I seem to think that the Higher Lending Fee is if you go above the criteria for Loan To Value ratio. In other words, if they offer 85% and you want 86% or above they will charge you a one off fee.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.


** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....




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Thanks Dolly - You are right .. that is exactly what it is ....so it does seem it's probably not claimable.


I'll take a look at your thread now.



2006 RatNest - Personal a/c:

JulyLBA, Aug Filed Claim, Oct Settled in full £7,000


2006 RatNest - Ltd Co a/c

JulyLBA, Aug Filed Claim, Oct Settled in full £8,000


2006 RatNest - Hub's a/c

JulyLBA, Aug Filed Claim,Sept Settled in full £1,000

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