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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
      • 160 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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Alcossy v RBS


Alcossy
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Hi there all of you absolute stars that help people with these claims...

 

I need a bit of help...

 

I have sent in my claim twice but my bank says they havent received it so am going for a third time lucky, only thing is my overdraft is over the limit (due to unfair charges) and I havent paid it for a while as I wanted to claim these charges back.

 

They are now asking me to fill in a finanical hardship form...

 

I intend to send it back with a letter with a schedule of charges on to remind them of my claim and as a student who cannot pay his bills, rent and has no income I think I should qualify for hardship.

 

Do I just send the first letter with a schedule of charges and tell them Im not going to pay them anything and the refund can cover my overdraft etc..?

 

Cheers really appreciate any advice...

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Hi Alcossy.

Spend a few days reading the FAQs and the step by step guides. That will give you a wealth of information.

If you follow our well-tried and tested route you will be ok.

Don't wander off the path or their legal department will have you for breakfast.

It is most important that you go about it the right way.

This is self-help forum.

We've provided the material, now you do the reading.

Start your own thread in your bank's forum and ask any questions you have, there. Also, try to keep your thread up to date with progress reports, then anyone offering advice will know what stage you're at.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi everyone...

Just to say a quick hello to all and a big thank you to founders for doing this work... you are doing a great job... well done! very impreseed...

 

ohh yes looking forward to recover unfair overdraft charges...

cheers,

Shoma

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Hi and welcome to cag :-)

 

Spend sometime familiarising yourself with the site. Make sure you read the site rules and the FAQ's.

 

A couple of useful links are the How do I guide to the forum and the A to Z Index

 

Then when your ready start a new thread in the appropriate forum.

 

 

saint :-)

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Bank penalty charges verdict -

 

i noted that we might have to wait for another year before we might be able to claim overdraft charges from banks as the appeal procees might take as long as a year... not sure if i can wait that long or end up with more charges... perhaps a good side of this is to be able to claim an interest rate for another year on the charges occured if that cos possible.. lol...:p

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Alcossy,Yes fill out the means enq form with your financial details.

Make sure that you return it recorded delivery and keep the proof of posting.

By nature of them asking you to fill out the form,they are taking seriously your request.Under the waiver as agreed with the OFT they must take into account hardship cases.Yes send a schedule of charges as well.

Tell them if they do not settle the matter to your satisfaction you will be filing in court.The FOS cannot deal with your refunds if you start court proceedings but you can still report them for failing to treat your case as hardship...if they threaten to close your account then you can report that too.

 

 

 

Shoma- good to see you but please keep to your own thread !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok who is the bank ? I will move it to the appropriate place but need this info.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Thankyou for the help Martin3030 I have just received a letter stating that my financial hardship claim has been accepted and all interest and recovery action has been suspended as the claim will repay the outstanding balance on my account pending the outcome of the OFT court case...

 

What do I do now, do I start court proceedings or ask for a cheque?

 

Cheers for your help, if this is in the wrong part of the forum please can somebody move it for me? Its an RBS account.

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  • 2 weeks later...

Have moved here and re-titled.

PM sent too.Under the circumstances I will advise you there as to the next move,on the provisio that its added to the thread when appropriate to do so later :)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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