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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
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      • 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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RBS List of ALL CHARGES from 1993.


livelylad
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Personally, I would claim it - it still isn't a service per se.

 

They would simply offer you £35 less if they didn't agree.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 3 weeks later...

Hiya,

 

I don't know if this will help anyone but I had a Student Royalties Account and I have been trying to work out what a charge of £10.00 which shows up sporadically on my statements was for.

 

I thought it was a Royalties 'fee' and wasn't going to claim it but checked on RBS website and found this:

Unarranged overdraft - maintenance charge£28 per month

(£10 per month for R21/Graduate & Student customers)

 

So for any students out there, RBS was ONLY charging us £10.00 for the joy of being overdrawn.

 

Hope this helps

 

love fiesty xx

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  • 1 month later...

Thanks for tippin' me scales - BUT - MORE IMPORTANTLY - thanks for the comment.

 

I'm just trying to return the massive help that I have already received here!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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  • 4 weeks later...
Hiya,

 

I don't know if this will help anyone but I had a Student Royalties Account and I have been trying to work out what a charge of £10.00 which shows up sporadically on my statements was for.

 

I thought it was a Royalties 'fee' and wasn't going to claim it but checked on RBS website and found this:

Unarranged overdraft - maintenance charge£28 per month

(£10 per month for R21/Graduate & Student customers)

 

So for any students out there, RBS was ONLY charging us £10.00 for the joy of being overdrawn.

 

Hope this helps

 

love fiesty xx

 

 

Hope you dont mind m asking but did you capture this to be used later, do you have the link for this?

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  • 2 weeks later...

Be careful of summaries- I asked for a complete set of credit card statements of which I had lost about 40%. Firstly I received a sort of spreadsheet print out. When I compared this to the statements I had I found glaring discrepancies (in their favour of course!) I wrote them a stiff letter pointing out the discrepancies and warned them that I hoped this was not a deliberate attempt to limit the banks liabilities. They later sent a full set of statements which were copies of the originals more or less.

NOTE these people never throw anything away- they can reproduce your statements from as far back as they have digital data!!

written entirely without prejudice to my whole rights and pleas in law and may not be founded upon in any proceedings.:lol:

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