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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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I am in an IVA with clear start and have been with them for nearly 2 years, the IVA is for 6 and a half years. I do not have any assets as the house belongs to my husband who had it years before he met me, the debts are mine before I met my husband. Clear Start told me that IVA was for me because I would not be black listed ( Yes I know that is wrong now as I am black listed through IVA) and also that my name would appear in the local paper, I explained to them at the time that I worked for the nhs in the community and that I could not have my name in the paper as it would have implications. Any way before Christmas a company called BAIC contacted me and discussed my IVA they told me that bankruptcy is better for me because I have no assets (I agree I think) and also that under confidentiality at work act my name would not appear in the paper ( is this true) they said that they would handle my bankruptcy for 4 £250.00 payments and also gain me a bank account (I do not have a bank account as my wages go into my husbands). They told me to stop my IVAS payment which I have, but their paper work came today and looked dodgy, spelling mistakes not well presented so I went on google and search engines but there is no web site for them so I am definitely not sending the paper work back. Now I am not sure what to do..... please can any one offer advice? thank you

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Avoid. They sound like a [problem] act. I've not had any dealings with IVA payments personally, but it would seem unwise for you to stop paying yours on the say-so of this "company".... who seem to want a vast amount of money that you haven't got in order to do anything for you anyway.

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How many payments have you missed from your IVA? Personally I wouldn't stop these payments as there are fees to set up the IVA which are added onto your debt. Do you pay clear start a monthly management fee? Try speaking to National Debtline who will give yyou impartial advice on what to do.:)

<<<If I have helped please tickle the scales;-)<<<

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