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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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C&G early redeption fees


janesbank
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Hi

 

Approximately 4 years ago we found ourselves in about £60,000 worth of debt. We could just about afford our mortgage but could not afford to repay our debt so we made the decision to sell our house and use the equity to pay off our loans.

 

We had a mortgage with the Cheltenham and Gloucester which was fixed rate and approached them to move our mortgage to a new smaller property. We did not ask to borrow any more money we purely wanted to move the loan to another house.

 

The Cheltenham and Gloucester refused our application on the grounds that we had missed a payment date (by a few days) within the last six months. Although we were not in arreas with our mortgage C&G still refused and then charged us £3000 - £4000 (I can't remember the exact figure) in early redeption fees. We felt almost held to ransome.

 

At the time if we had not downsized we would have lost our house eventually anyway. This time was quite traumatic and we were desparate to move therfore did not have time to argue with C&G.

 

Having just discovered this site I now realise that I could still take this issue up with C&G i.e. within 6 years. I would appriciate any comments as to wheather I have grounds for a complaint or a refund of the early redemption charges.

 

Thanks

 

Janie

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Hi janie!

 

In order to assist you further,please confirm the following:

 

1.Original Mortgage Amount together with length of "tie in" with redemption penalties as an amount or percentage.

 

2.New Mortgage Amount with length of "tie in" with redemption penalties as an amount or percentage.

 

Personally,I have succeeded in the past in obtaining a part refund of redemption penalties but only after "kicking up a fuss" and complaining. :lol:

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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