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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
      • 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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HAK v Cahoot


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Bloody ell.............

I am going to write to them this week to tell them I can no longer pay the min on my flexi loan as they put the apr up by 4% in one month...

 

Any idea how to play it!!

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Going to write letter tomorow as I need to reduce the payments.

 

This is the first time I will have gone in arrears on this account.

 

Should I send a CCA request in with my letter to reduce payements that way they will not be able to put any charges on from the begining.

 

What do you think

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  • 2 weeks later...

Just got an email from Cahoot today

 

We have decided to make changes to the rates we charge on the cahoot Flexible Loan due to the Bank of England base rate moves seen in 2007.

 

From 5th September 2007, your rate will change to 21.2% APR variable.

 

This has gone up 6.2% in six months.

 

I dont stand a chance!!

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Hi

 

Thats good to hear.

 

Havenot sent the letter yet as not due to end of the month.

 

What did you write in your first letter to them

 

RO

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  • 2 weeks later...

Update

 

I sent of a template letter to hold the account for 28 days..etc.

 

Got a great reply today saying cant do that and we will keep adding intrest on to the accounts...

 

I was not going to CCA them but if I CCA them after 12 days can they add intrest..

 

RO

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  • 4 weeks later...

Well its started...

 

They took the DD minimum payment for my CC out of my current account and I went £3.00 over my overdraft.

 

Even tho I cancelled the DD they re-anstated it back.

 

Well they are going to charge me for this:

 

£30.00 + £4.35 intrest.

 

Any advice please.

 

HAK

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  • 2 months later...

Hi US

 

I have CCA them about my overdraft but not the rest. Still awaiting the responce.

 

Can you post the agreement so I can have a look at it.

 

HAK

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  • 2 months later...

These people are not playing ball:

 

With my flexi loan I am trying to come to an arrangement but they have just said today:

 

We will not exept your offer and we are going to default you and send the account to a debt colector.

 

Not sure if to CCA them now or wait till they pass it to a debt collector.

 

HAK

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Hopeful

 

Thats good to hear.

 

They are in default with my CC and overdraft CCA at the moment and still pestering me.

 

HAK

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  • 3 months later...

Well I am totally screwed with these.

 

They have produced an agreement for my Flexo Loan, CC and even my current account........:eek:

 

Will have to do some serious creeping!!!

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Hi Hopefull

 

These are the best examples of credit agreements I have seen.

 

There are lots of charges to be claimed back but I using these to tryand stop them defaulting me.

 

HAK

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  • 3 months later...

Well this account is with Equidebt and they have exepted a low monthly payment and interest has stopped.

 

I must say I broke the rules and called Equidebt. I spoke to the most pleasant lady ever.

 

I then wrote a letter in and they have exepted my offer.

 

Why cant they all be like these!!!

  • Haha 1
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Hi

 

This is a flexi loan and there are no charges on it.

Its my CC and OD with the charges but they are still sat in limbo and waiting to be defaulted:D

 

HAK

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Well Equidebt have exepted my offer in writing.

 

What a pleasure to deal with such a well manered DC.

 

This is of there web site and its true:

 

We have a responsibility to those from whom we are collecting money to:-

  • have respect for them as individuals even though we may not agree with them or the choices they have made
  • do everything we can to optimise collections without resorting to underhand, oppressive or unfair collection methods
  • handle monies, correspondence, telephone calls and complaints promptly, efficiently and courteously

HAK

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