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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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Subject Access Requests for historical data – Lloyds archive system


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Have you ever tried to make a subject access request to Lloyds bank and been told that they don't keep data longer than six years?

 

Well basically it's a lie – but you wouldn't expect anything else from Lloyds bank.

 

They use an archiving service in Andover and you can get data going back at least 2001.

 

Their address is: –

 

DSAR Unit Lloyds TSB

Customer Service recovery

Charlton Place

C46

Andover SP10 1RE

 

And they even have a telephone number: –

 

0345 0707124

 

Although I don't know whether people are prepared to speak to you.

 

Apparently the same archiving service is used to store data relating to TSB, Lloyds TSB, RSP, Halifax Bank of Scotland.

 

In other words all the usual suspects who have ripped you off over the years and then try to obstruct you from getting a full data disclosure.

 

You should still contact their head offices or your branch for your data disclosure, but when they come back to you and say that there is only six years then that is the time to start objecting and to make complaints to the information Commissioner.

 

You can make an SAR request directly to the data centre as well, of course.

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HSBC said the same thing to me, then when I produced the actual documents (to claim PPI), they magically found data from 1987 with which to argue that I was only entitled to 5 years PPI and not 7...

Why are the banks allowed to lie and get away with it, though?!:-x

 

TB

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"Why are the banks allowed to lie and get away with it, though?"

 

Good question! And another one - Why do our courts often believe the banks - often without any evidence - that they are correct in respect to Credit Card and loan debts? Just look at the success rate of outfits like Reston's that bulldozer their way through the legal system often with impunity securing unsecured debts using Charging Orders etc.

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I think this is a story repeated time and time again on CAG, BF.

 

 

Quite a few people have also issued claims against LTSB in respect of non disclosure of data as required by SAR.

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