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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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Welcome Finance: Cheque or Reduce Balance


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I am about to ask Welcome Finance for a refund of my missold PPI for a loan I took out with them in 2005. This was paid off with another loan I took out with them earlier this year. I am assuming that the whole of the PPI was paid up in full with my new loan. BUT if I am succesful and get my money refunded do I have the option of getting it in cheque form or will they automatically pay it off my current loan. I could really do with the cash. (P.S. my current loan has no PPI and I wasnt even offered it. Strange eh?).

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Hi, Fluffy Viper

 

As you still have an outstanding balance with WF, they may well insist on simply off-setting any credit against it. You can try asking for a cheque - you may get lucky.

 

WF need a good long look at by the FSA - make sure you send them details of your case.

 

Good luck, T.

"Weasel (n): any person or group that operates in that vast grey area between good ethical behaviour and the sort of activities that might send you to jail".

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I am about to ask Welcome Finance for a refund of my missold PPI for a loan I took out with them in 2005. This was paid off with another loan I took out with them earlier this year. I am assuming that the whole of the PPI was paid up in full with my new loan. BUT if I am succesful and get my money refunded do I have the option of getting it in cheque form or will they automatically pay it off my current loan. I could really do with the cash. (P.S. my current loan has no PPI and I wasnt even offered it. Strange eh?).

 

Hello Fluffy,

 

Welcome Finance will not wish to refund you any money back in the way of a cheque:o They will want to keep it for themselves.

 

I have been successful with two ppi claims with different companies. I stated in my letters that I wanted the ppi to be refunded to me in a cheque, as I now wished to be in control of the refund. They did not like it, but I received the cheques, so It can be done.

 

The way I look at it is this, its your money that they tricked you out of. They have prospered at your expense and loss for how long, Qqote unjust enrichment!!!!!!Therefore you want the interest that you would have gained if the money had been sat in a account. You can ask for the contractual interest that they applied to the loan or the 8% Statuatory the courts would allow.

 

Its your call, not theirs:lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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