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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
      • 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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Hiya i was just wondering if anyone could help me with understand the figures on a credit agreement my husband has with welcome.. I am just about to send first letter of for refund of missold ppi but i do not understand some of the figures..

amount of credit for the goods.... £8844.00

amount of credit for the insurances £3073.39 (what is this)

total amount of credit £11917.39

 

duration 48 months

 

total amount payable for the goods £13412.36

total amount payable for the insurances £4548.48 (what is this)

total amount payable £17960.84

ppi £2328.39

mechanical breakdown ins £500.00

shortfall ins £245.00

cash price of goods £8845.00

total cash price of ins 3073.89 (dont know what this is)

total cash price 11918.39

acceptance fee 150.00

finance charges for goods 4317.36

option fee 100.00 (any ideas what this is)

charge for credit for goods 4567.36

charge for credit for insurances 1475.09 (no idea again)

total charge for credit 6042.45

rate of interest on credit per annum 12%

 

if anyone can help it was be greatly appreciated..

thanks

karen

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Hi Karen

 

When you sign up for PPI it's normally added to the loan upfront. On the loan they have added about £4500 for insurance which is very expensive.

It is posible to claim this back if you believe you were mis sold. One common complaint is that the insurance may have been offered as a condition of your loan. If this is the case, then there is a clear case of mis selling, and it should be paid back. Another one is due to ill health. If someone has a condition not covered in the small print, then it can be claimed back. They never seem to ask medical questions when filling out insurance forms. I have'nt had questions about any conditions i may have. Mind you being a Pilot they probably assume i am fit, and don't bother with the questions. It does involve lots of letter writing. Have a look at the PPI forum on the main forum page.

 

http://www.consumeractiongroup.co.uk/forum/ppi/

 

Uk

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Karen, was this loan for a car?. .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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