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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
      • 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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RBS sent statements in open envelope


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Asked my local bank to send me 3 months worth of statments only, as I didn't want a load of paper wasted for something I didn't need. Was very specific in only asking for 3 specific months, which should have been 6 pages.

 

Instead I received a large unsealed brown envelope with RBS Logo etc, with 4 years of statements held closed with 2 elastic bands , the type my postman normally uses on my mail. On checking the envelope it had never been sealed, the glue seals inside the top of envelope were intact ie unused.

 

So they've effectively allowed everyone who has handled this envelope to see 4 years of my banking detail and my account number:mad:. No wonder the postman was 2 hours later with my mail than normal, he was probably sat in the village pub with a pint and my statements having a debate with the regulars on my overspending.

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Thanks enron, the lady at the Information Commissioners Office didn't seem to think I had much of a complaint,it was just a bank shipping error, the PO staff knew not to read my mail, and it wasn't relevant to electronic information????

 

So called Consumer Direct who redirected me to FOS, who have actually given me a complaint reference number, whatever that will achieve I have no idea. I wanted them rapped on the knuckles and made to either update their procedures or train their staff properly. FOS say they can't do that it's another financial body who do that.

 

Can easily see how big instituitions can get away with doing whatever they like when they like. Because it's too hard to find out who to complain to, most of us just give up.

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Make the complaint to the IC anyway. Insist that it is dealt with. Make sure that it goes on record. Even if the data hasn't been accessed by a third party, it still a breach of the DPA

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  • 2 weeks later...

Can anyone advise on this, as I'm gobsmacked.

 

Received a call from bank regarding fact they have now recieved letter from Financial Ombudsman about above. Still investigating I'm told, but the advsior said this was a serious error on the bank's behalf. However I have been asked what I would consider to be suitable financial compensation for their mistake??Does anyone have any ideas, as I've not got a clue??.

 

Seeking compensation was put in the FOS letter, mainly because the FOS said that it was the 'loss' side of complaints they dealt with,, and it was the only way the bank would pay any attention to it. I was expecting the usual grudged apology.

 

Also some of my bank statements are missing from the large bundle. They could be anywhere between, lying on the side of a road somewhere or waiting to be actioned later in a fraudsters filing system for all I know. I don't know what info is on the missing statements but they probably have my other account numbers, incluidng my mortgage account number on them due to account transfer payments I've made..

 

I'm told that my name, address, account numbers, bank addres etc is insufficient information for someone to commit identity theft. Is that correct, as it makes me wonder why we're told not to throw statements in the bin but shred them?.

 

Thought I'd check on here, as I trust the advice I receive here, altho the bank person I spoke to seemed honest and pleasant.

 

Have also made complaint to Information Commissionsers office, still waiting on reply from them.

 

Any advice greatly appreciated

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Think I would be inclined to tell them to put an offer to me in writing.

Regarding Identity theft you should remind them that it is their carelessness with your statements that has led to your personal details being compromised and the very real possibility of Identity theft should reflect their offer.

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