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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 
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    • 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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A warning not to use the Financial Ombudsman Service


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I am upset and angry that the Financial Ombudsman Service clearly has no regard for vulnerable consumers using their service.

 

I would like to warn people DO NOT use the Financial Ombudsman Service.

 

My first complaint was against my bank Halifax, lending me money I could not afford to pay back, breaching parts of the lending code, and that they had leant to me whilst breaching their own lending criteria.

 

FOS sided with Halifax saying they did nothing wrong, even though I'm nearly £14 in debt.

 

My second complaint was against Debt Free Direct.

 

I had complained that they had used my DLA as income, the FOS said they had to.

 

They still insisted I was getting £962 per month, this is not correct as it was £888 per month.

 

Said Debt Free Direct had done nothing wrong, no surprise there.

 

I moaned about the fact I had paid in "2790 and they had only paid £158 to my creditors, they said they couldn't.

 

I am sat here in tears, the FOS are an utter bloody disgrace who do not help the consumer.

 

]I would warn people do not use them at any cost.

 

Totally flabbergasted!!

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This is why you so often see on cag to take banks etc to court. Send SARS and claim charges.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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They are as much use as a chocolate teapot employing staff with no experience in the financial sector, minimal training and pressurising staff to clear cases as quickly as possible. You could ask for it to be reviewed higher up the food chain.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No point in going to the independent assessor, they are just as bad as the adjudicators.

 

I stopped paying my IVA over a year ago out of the £2790 I paid into the IVA only £158 has been paid towards my debts.

 

Seems about right for nominee fees, usually around the £2k mark + 15-20% of realisations

 

If you entered into an IVA and it failed because you declined to service at the agreed rate then it seems highly unlikely the FOS would find in your favour

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