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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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Balance of risk?


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Hello and thanks for reading.

 

I have just recieved a response to my letter before action......same old "we believe our charges are fair"..........."we consider that the amounts debited to your account have been applied strictly in accordance with your agreement" nonsense.

 

Now, my question is probably unanswerable....

 

I have a rather bad credit rating, no, I have a very bad credit rating and about the only company in the world willing to give me credit is RBS. I hold a Debit Card, Cheque Book, Overdraft, Loan Account and several other accounts for my family with this bank..........not to mention a Child Trust Fund account.

 

If they were to close my account and recall the OD I would be screwed.

 

I dont want to avoid legal action on this basis but I have to be honest, I cannot afford to lose this account because I would not get the same services with another bank.

 

My claim is for around £350 and I just cant satisfy myself that its worth loosing the account and benefits to reclaim this modest amount.

 

What would you guys do in my situation?

 

Obviously I am not looking to hold anyone accountable......ultimately the decision is mine, but I would appreciate some opinions.

"If you owe the bank 100 pounds, you're the one with the problem. But if you owe a million pounds, the bank's the one with the problem."

 

Lord John Maynard First Baron Keynes of Tilton.

 

"If you owe the bank $100, that's your problem; if you owe the bank $100 million, that's the bank's problem".

 

John Paul Getty

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Try and get another account with the facilities first.

 

How much is outstanding on the loan - is it more than the amount they owe you in charges?

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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About 8k outstanding on the loan..............why?

"If you owe the bank 100 pounds, you're the one with the problem. But if you owe a million pounds, the bank's the one with the problem."

 

Lord John Maynard First Baron Keynes of Tilton.

 

"If you owe the bank $100, that's your problem; if you owe the bank $100 million, that's the bank's problem".

 

John Paul Getty

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I was wondering if the amount of charges outweighed the outstanding balance of the loan and the OD.

 

Obviously not, in this case.

 

I am in a similar position with FD at the moment - they have taken about 65 quids worth of charges, yet I have an OD of £1200 with them which they will, without doubt, call in if I start proceedings against them.

 

I intend to sell things on ebay and save a little and when I have paid the OD off, then I will claim my £65 back with interest.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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For £65 I would just call them up and ask for it back!

 

I am planning on sending a final “final” letter to someone higher up at RBS pointing out that the charges are illegal. I am also going to point out that I pay a monthly fee for my Royalties Gold account and I would expect that fee to cover any “additional work” required on my account.

 

I am confident the bank would rather avoid upsetting me......if they were to close my account as an act of retaliation I would certainly do everything possible to make this VERY public knowledge.

 

Clearly, this is somewhat like blackmail in as much as I am asking that they pay me money (which is rightfully mine) or I do everything within my power to spread the knowledge about illegal charging.

 

One thing that does concern me; RBS clearly see this action as contrary to our agreement and I am sure this will be the reason they give for closing my account. It would be interested to know if we could pre-empt this action by making it less appealing to the bank.

"If you owe the bank 100 pounds, you're the one with the problem. But if you owe a million pounds, the bank's the one with the problem."

 

Lord John Maynard First Baron Keynes of Tilton.

 

"If you owe the bank $100, that's your problem; if you owe the bank $100 million, that's the bank's problem".

 

John Paul Getty

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You should start to explore the possibility of accounts with other banks. Ask the Coop for a basic account.

Your loan account is probably untouchable but check the T&Cs.

 

So if you find that you can get one or more accounts elsewhere, that your loan is untouchable, then how much else is at stake?

 

Can they touch the child trust fund? Check the T&Cs. See if you can move that out somewhere else. You probabl;y can. It is a secure kind of account for a bank. Money in and noe going out.

 

When you have solved these problems and read your T&Cs, you may find that it is not such a risk to claim back your charges.

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

"If you owe the bank 100 pounds, you're the one with the problem. But if you owe a million pounds, the bank's the one with the problem."

 

Lord John Maynard First Baron Keynes of Tilton.

 

"If you owe the bank $100, that's your problem; if you owe the bank $100 million, that's the bank's problem".

 

John Paul Getty

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Please

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Thanks

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