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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
      • 162 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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Hi all,

 

I have read in a few places where some mortgage brokers tell you that the only mortgage they can get you is a bad credit one because of something on your credit file. Well to cut a long story short actually its just the story lol. Back in 2006 myself and my partner applied through a broker to buy our first property which is shared ownership. We knew that we would not have a whole market to choose for mortgages due to the type of purchase. First we were made an offer from Leeds Building Society at a good rate. We were both really happy. A few days later the broker told us Leeds had changed there mind. When i asked why she said she didnt really know but mentioned about an outstanding debt on my credit file for approximately £250. I asked if she could clarify further i think but she said they would not tell her anymore. I didnt that would really affect a mortgage but hey i had never purchased a house before. The next product and only product she claimed to be able to offer was from Preferred Mortgages at a much higher rate. Of course we accepted this offer as we really wanted the house. I feel that she played on the fact aswell that we only had a limited amount of time to decide or the house would have gone as it was first come first serve for the shared ownership. So anyway we accepted the offer and got the house. A few months into the mortgage we got into some problems and preffered were not interested in helping and just took us to court. We managed to get away with a suspended repossession order and have made all payments since. We now both have a bad credit rating which before we didnt. I read recently that some mortgage brokers have conned people into thinking that they can only get a bad credit mortgage because of something on there record. It has since played on my mind so today i called the Leeds Building Society and they told me that they had accepted the mortgage with no problems and was waiting for the application to be returned. They just assumed we did not want the mortgage from them. I am now in a situation of what i can do and how to go about legal action against the broker and i think possibly against preffered because correct me if i am wrong but they have a duty to offer me a product that is suitable to my needs and this clearly was not as i did not have bad credit. Can anyone advise on my legal position and what to do next? I have also seem info that suggests a mortgage can be deemed unenforcable for reasons of providing a mortgage that was not suitable?

 

Many Thanks

 

Steve

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Hi

 

Can you ge the Leeds Building Society to confirm this in writing?

 

I think if you have this as proof then you will be able to get something done.

 

It may be worth phoning the FOS to get their opinion as well.

 

I am sure someone with more knowledge will be along soon.

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Someone from Leeds have called me today and they seem to have changed there tune by stating that they do not have any details of what i am asking as they do not keep records. There say that all they have is a spread sheet with just my details. I fear they are lying as the person knew too much information yesterday for what i was been told today. Would they have to keep this information for a period by law and an SAR to Leeds and the broker provide any information?

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Hi

 

If you do a Subject Access Request they have to provide all the info they have relating to you going back 6 years.

 

Make sure that you stipulate in the sar that you want all info relating to this mortgage offer and see what they send.

 

You can also send one to the broker. I did this but all they sent was info relating to the mortgage I took out........so either they didn't approach anyone else like they told me or they with held info!

Edited by midge61
added to post.

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If you can get any info proving what you can say then it os worth a try with the FOS

 

Was the broker a member of any regulated bodies ( should be on letter heads) Also did you actually check your credit rating now? As if there were any serious "markers" on your account they still remain for some years so you should be able to check if they wer telling the truth.

 

Were they a truly independant broker ? If not then it could be that they were getting more commission from some companies.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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  • 2 weeks later...

Check your agreement out with the Mortgage you have got - a lot of the sub prime mortgage agreements are questionable to say the least. Look at things like the Broker Fees, Secret Commissions, PPI etc.. you'll find this thread useful

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/171037-multiple-agreements-falling-within.html#post1845581

 

You'll be better sending and SAR to your current lender and the broker to see whether secret commissions show up etc..

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