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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
      • 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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RBS Interest Free Period


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In early 2008 I did a balance transfer from an existing credit card to an RBS card which offered a 12 month interest free period. I requested they send me a direct debit mandate which I duly completed and sent back.

 

They confirmed they had received and actioned the mandate but then failed to take the first month's installment via direct debit. The following month I got my statement from them complete with a late payment charge and interest charged.

 

I wrote asking why this was the case and was told that it was my responsibility to ensure payment was made on time and that, as it hadn't been, I had failed to comply with the Ts and Cs (basically that if you default whilst during the interest free period you revert to their standard rate of interest) and so they were now charging interest as well as recording a default on my credit record. I did challenge them stating that they had confirmed the mandate was in place but at the time they would not budge.

 

It has taken me almost two years to pay off the balance and I am now in the process of closing the account. I stumbled over this site and it has made me think that perhaps I have a case against RBS, at least for claiming back some of the interest paid over the two years.

 

Where do I start? I have not been able to find a case similar to this in the forum (although I admit I haven't looked through all the threads and am unable to find a search function).

 

Should I initially approach them with a subject access request and will this mean they send copies of all statements issued - I don't have all of them for the period in question.

 

Is anyone able to offer some advice or at least point me in the direction of a similiar thread?

 

Many thanks,

Adeline

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  • 1 year later...

does the letter from rbs say anything about having to make the 1st payment by another method? Even if it does I am sure you would have a case against them for being unfair and if you pursue this you will probably get them to rebate the interest. If you can post a copy of their letter on this site minus all your personal details that would be helpful and then we can comment

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