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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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Welcome Finance - This company needs to be banned.


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OK postggi.

 

Can you tell me have they ever stated there isn't any PPI relating to either you or just as importantly Welcome??

 

JonCris - I have in writing from NU they have no PPI policies for me in fact they have none at all for me currently running in the same email the killer sentance of 'we have no dealings with Welcome Finance with respect to yourself'

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thats an understatment

 

i have the original from my court case

 

pure ficition

 

again

 

norwich union have no details on me period except a motor quote from 20 years ago

 

we all know why

 

dont we

 

Did you SAR them to get that or did you 'persuade' them??

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me thinks john chris has something up his sleeve

 

 

I have soimething up my sleeve as well - showed a ex fraud officer some of my stuff today and went over my thinkings with him and he tells me something i have can null and void my whole agreement so if the acceptance fee dosn't work I have the trump card in my back pocket ;)

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andie

 

keep that on the qt for the moment

 

my hands are tied

 

sub jud

 

I am - I found it so I get first shot at using it :p

I'm gonna try getting back on to DG i have modified them a special SAR to get the EXACT details of what I need - however enough prodding to Mr Hough there and he may be forthcoming without the wait :)

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Hi again everyone :) - I have spent a couple of days looking over the figures on my secured loan and was just wondering if I could get some advice.

 

I have been trying to work out if welcome have added interest to my acceptance fee and from the statement of price it is obvious that they have (fee = £235 payments are 5.65 x 121 = £683.65????)

 

However I know from reading previous posts that it is difficult to work the figures out on the agreement. Anyway I have entered figures into loan calculator and if I add the insurance and acceptance fee to the total amount of credit and then calculate the loan repayment it comes out within a penny of my re-payment figures. I know if they have added the acceptance fee and then calculated interest this can make the loan unenforceable - or at least that is what I have gathered from other posts.

 

Therefore can someone please double check my figures if they have a spare moment - my scanner is not set up so I will just have to type them out. They are as follows:

 

Total amount of credit (A = B+C) = £13740

Amount of credit for cash advance (B) = £13000

Amount of credit for Insurance © = £740

 

Duration of agreement = 121 months

 

Total charge for Credit (L =M + N +O) = £26924.47

Acceptance fee (M) = £235.00

Interest charge (O) = £26689.47

 

Rate of interest per annum = 30.45%

 

APR = 31.18%

 

Amount of each monthly payment = £336.07

 

As I said if I add total amount of credit + acceptance fee (13740 + 235 = 13975 and enter this into calculator with interest of 30.45% I get within a penny of my monthly repayment. However it is late and I may be wrong so any help or advice would be greatly appreciated.

 

P.S. Sorry for the long winded post - really need to set my scanner back up :)

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You need that police intervention as you're agreement etc is forged and they should not be allowed to get away with that especially when they secure a forgery on your house!

 

I perhaps would let your motgage company know the deal then you can tell the police you have done that so they can't try redirecting you again.

 

Thanks Andi / Dipply / Voda

I have managed to recompose myself now.. just about anyway....and am ready for the next step in this...we have decided to stop payment, putting account in dispute, copies to fsa/fos stating that we believe the information that we have recieved on the SAR is incorrect and untrue...

I will be consulting a solicitor within the next few days...not sure if we need to be looking for one that specialises in contract law or property law, though at the moment ? Any suggestions anyone...?

I have found the contact details of the one and only Graphologist within the area, so will be trying to make contact with them also...

Will also be making further enquiries with the Land registry, in relation to obtaining further info, regarding the paperwork for all charges on there...would i be correct in doing this?? or am i not understanding it correctly?

I will also be filing a complaint in relation to the "Pit Bull" that fends of the innocent victims at the police station !!!!

 

Will be bobbing in and out today, have lots to do, apparently my 3 year old tells me we are going to the Guinea pig shop today, i need one for mothers day ! She'll go far in life !!!

 

b-o-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Thanks for the quick reply Peter.

 

I have been reading the posts over the past week, everyone refers to problems with figures... I do not have a scanner bu the figures on the form are:

 

Total Credit (A) 28827.99

Amount of credit (B) 28827.99

 

300 months

 

No PPI or insurances

 

Monthly payments 306.10

APR 12.8%

 

Total charge for credit (M+N+O) 63001.54

Acceptance Fee (M) 235.00

Mort' Indemnity Fee (N) 0.00

Interest Charged (O) 62766.54

 

Rate of interest per annum 12.7%

 

Settle 1st Quart, 27425.56

Settle Halfway, 23830.96

After 3 quarts, 16199.96

 

I hope this is the right info..... If its right its right but if it is wrong in some way when it is unenforceable, what does this mean. I presume I still owe the monies but a renegotiation be forced on them ??

 

I presume it will take time to look at these figures.

 

Thanks, Dan

 

 

HI

YOur interest works aout at 12.81%APR

 

The charges seem to be in the correct palaces

this agreement is over 25K so will not be coverred by the CCA 1974

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Peter thanks for the reply

 

We did have a loan for 15000 plus PPI 2329 (over 15 yrs)from them but when we redid the loan it went over the 25k. Could we not argue over the first being wrong even though we merged the first into the second ? Checking the figures they charged us interest on the PPI and this meant the PPI alone was costing us £33 a month. We realised this and on the second we were convinced by them that if we took out a longer loan (25yrs) without the PPI we will have extra cash to hand and the payments will be slightly less. At the time we just wanted the payments down not looking at the length of the loan and extra money seemed a bonus.... we realise we should have grit our teeth and said no but it was a very difficult decision at the time.

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Hi again everyone :) - I have spent a couple of days looking over the figures on my secured loan and was just wondering if I could get some advice.

 

I have been trying to work out if welcome have added interest to my acceptance fee and from the statement of price it is obvious that they have (fee = £235 payments are 5.65 x 121 = £683.65????)

 

However I know from reading previous posts that it is difficult to work the figures out on the agreement. Anyway I have entered figures into loan calculator and if I add the insurance and acceptance fee to the total amount of credit and then calculate the loan repayment it comes out within a penny of my re-payment figures. I know if they have added the acceptance fee and then calculated interest this can make the loan unenforceable - or at least that is what I have gathered from other posts.

 

Therefore can someone please double check my figures if they have a spare moment - my scanner is not set up so I will just have to type them out. They are as follows:

 

Total amount of credit (A = B+C) = £13740

Amount of credit for cash advance (B) = £13000

Amount of credit for Insurance © = £740

 

Duration of agreement = 121 months

 

Total charge for Credit (L =M + N +O) = £26924.47

Acceptance fee (M) = £235.00

Interest charge (O) = £26689.47

 

Rate of interest per annum = 30.45%

 

APR = 31.18%

 

Amount of each monthly payment = £336.07

 

As I said if I add total amount of credit + acceptance fee (13740 + 235 = 13975 and enter this into calculator with interest of 30.45% I get within a penny of my monthly repayment. However it is late and I may be wrong so any help or advice would be greatly appreciated.

 

P.S. Sorry for the long winded post - really need to set my scanner back up :)

 

Hi

The APR works out correctly at 31.18% for a total creditlt of 13740.

 

The interest rate should be based on the total credti and the amount of interest only so yu may have a point.Unfortunately the interest rate is not a prescribed term on this kind of agreement although it is required to be on and corrct on post may 2005 ones and contain an explainatin of how it is derived.

 

Petr

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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HI

YOur interest works aout at 12.81%APR

 

The charges seem to be in the correct places

this agreement is over 25K so will not be covered by the CCA 1974

 

Peter

 

 

Peter if this is the case is the actual form itself wrong, the title of which is:

 

"Fixed-Sum Loan Agreement regulated by the Consumer Credit Act 1974"

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Hi

The APR works out correctly at 31.18% for a total creditlt of 13740.

 

The interest rate should be based on the total credti and the amount of interest only so yu may have a point.Unfortunately the interest rate is not a prescribed term on this kind of agreement although it is required to be on and corrct on post may 2005 ones and contain an explainatin of how it is derived.

 

Petr

 

Hi Peter - Thanks for getting back to me so quickly regarding this. Sorry if I appear a bit dumb but what would this mean for my agreement? My agreement was june 2008 so I take it I just have to accept these figures?

 

seems a bit unfair to me as it is quite clearly not advised that the total credit is being calculated with the acceptance fee added in:mad:

 

Anyway just another example of how welcome can confuse and con you - I have certainly learned my lesson. if I ever take out credit again (and it will not be with welcome) I will certainly be looking over figures more carefully.

 

Thanks again Peter for your time it is apreciated :)

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Hi Post - yesterday I received a letter from Sally Evans at Direct group in response to my letter requesting information on our policies. The letter says they have located policies for both myself and my husband but could we contact them to discuss further. I just wanted to know what I should be asking them with regards to these policies before I call them.

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just out of interest, ive been doing some digging ref cattles share price jump,

it appears, yet to be confirmed that barclays, a major player in cattles has dumped one hell ammount of stock, this was then snapped up at a short price.

 

what this means is that nothing has realy changed, markets will adjust to propper share rate.

 

why has barclays dumped the stock,

 

it because rbs is looking at a 500 million loss in cattles and its the tax payer who will bail out rbs

 

barclays is on its own

 

stinks

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