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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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Please be gentle - Me v RBOS


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Started my claim and have received my statements from RBOS.

 

Ive totalled my charges and its coming to £3754.

 

Read through the threads over and over again but still a bit confussed.

 

Ive read some threads that state I cant claim for Overdraft charges/fees.

 

Probably an easy answer here but - If i go over my O/D can I claim this too.

 

On my statements it shows - CHG TO {date} then my A/C number - £28.00

 

Can this be claimed. Have read them FAQs but some replies on other threads are throwing me off abit

 

Thanks in Advance.

 

D

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Guest willowb

Hi:) Don't worry it can be overwhelming at times.....a HUGE learning curve!!

 

So, I'm not sure what you are confused about? You can claim back all charges, referral, exceeding o/d limit, returned dd/chq, card misuse fee....all of them. they are all disproportionate and unlawful. It's odd that they haven't stipulated what the CHG £28 actually is, probably exceeding overdraft fee??? but it's definately claimable.

 

Good luck:)

 

Wxx

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Hi, I've just posted my spreadsheet on my thread and the £28 was a standing charge for me going over my overdraft limit each time. The others were for referral charges and the interest charged on the o/d.

 

see the summary at http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/36087-sweetrevenge-rbos.html#post339860

 

Hope this helps

 

:lol: Sweetrevenge :lol:

Don't get mad - get even!

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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Hi,

 

I'm rather confused too.

 

Am I able to claim the £0.11 interest that I was charged by BoS for the period I was in an unauthorised overdraft? (I went into this overdraft by my own stupid fault, not due to charges levied to my account).

 

Thank you

 

a :-)

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Hi:) Don't worry it can be overwhelming at times.....a HUGE learning curve!!

 

So, I'm not sure what you are confused about? You can claim back all charges, referral, exceeding o/d limit, returned dd/chq, card misuse fee....all of them. they are all disproportionate and unlawful. It's odd that they haven't stipulated what the CHG £28 actually is, probably exceeding overdraft fee??? but it's definately claimable.

 

Good luck:)

 

Wxx

 

Yep - Sound like thats what the £28 is for. Phew as I'd had included this in my calculation earlier.

 

Cheers

 

Could be a good xmas/beginning of year.

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Hi, I've just posted my spreadsheet on my thread and the £28 was a standing charge for me going over my overdraft limit each time. The others were for referral charges and the interest charged on the o/d.

 

see the summary at http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/36087-sweetrevenge-rbos.html#post339860

 

Hope this helps

 

:lol: Sweetrevenge :lol:

 

Don't get mad - get even!

 

Looking at your summary - youve added 33.7% interest. Can I do that - where do u get that figure from. Interest would add a good bit onto my claim.

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Guest willowb

That's ok:) I claimed and won overdraft inerest, but it was ONLY interest applied to my account when the o/d consisted completely of unfair charges. You have to do some working out but it may be worth it (over £500 to me;) )

 

Anyway wheresmedoughgone (love the name!!) if you are contemplating claiming contractual interest which is what SweetRevenge is doing then read up a little first so that you are completely sure of what you're doing. here's a thread that may help you....

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/22690-contractual-interest.html

 

It's important to understand that (and it has only just sunk in recently with myself) contractual interest wether it be unauthorised or authorised is one thing but to claim compounded contractual interest is another. Compounding is the method which banks use to apply their rate of interest. Keep that in mind when you decide what to do.

 

Wxx

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