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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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MBNA - Rude, Confrontaional and Distressing


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I really know what you are going through with this MBNA lot. I have two accounts with them so I'm sure you can imagine what that's been like.

 

But you're here now so stand up to them and play at a superior game level. Dispute the debt, do a CCA request, do a SAR (because if like me they will have added loads of charges on top - both my accounts doubled with penalty fees etc) and see where you are. It might also help to request that they only contact you in writing (harrassment letter I think) and keep a log of every time they phone you.

 

MM

 

MM I had these people on my case for £17k. I simply ignored them and they sold the debt to Cabot and wiped all records off their system. I CCA'd Cabot 6 months ago and of course they defaulted. My advice is let this run it's course and DON'T CCA or SAR MBNA they will have all the records and won't default. Wait til it goes to Cabot or whoever (who won't have anything) and when they default YOU have the upper hand. I would totally cease contact with MBNA right now.

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"Why CCJ when you can CCA!"

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If anybody would like to see a larger version of the letter PM me and i will email it over to you. Any info on how i can approach my local MP or even the press will be much appreciated.

 

Oh i agree to any Mods if you want to move this thread

 

Look at the following link(it's best to write to your MP at the Commons rather than his/her constituency office) :

 

UK Parliament - Directories - MPs and Lords

 

It would also be worth googling around to see if any MP or peer has made a particular hobby horse of malpractice in the consumer debt field.

"Why CCJ when you can CCA!"

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