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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
      • 161 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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jazzbomb0607 vs RBS


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Best advice right now, is to read!

 

There is a whole heap of helpful information around. Head to the library and read the user guide, read through the FAQs, have a read through other people's threads to see how they're getting along.

 

There is a subforum in the RBS forum called RBS Successes, would be worth reading to see how other people did it!

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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Yeah, just do as T4FF says, have a good read around, it'll be a week or two before you get a reply from RBS so there's nought you can do except read up on process and other peeps experiences - best buy an A4 ring binder and keep all your correspondence to & from bank and other relevant documents in it, in chronological order so that you have everything at you fingertips, saves you scrabbling aboot looking for things when you need them.:)

“It's not personal, Sonny. It's strictly business.”

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best buy an A4 ring binder and keep all your correspondence to & from bank and other relevant documents in it, in chronological order so that you have everything at you fingertips, saves you scrabbling aboot looking for things when you need them.:)

 

Oooh I like that idea. It appeals to my nerdy side :)

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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  • 2 weeks later...

I was about to start a few claims for some of my family members but I'm going to leave it until the OFT case has been resolved. I've requested the statements but thats it.

With my claim, I am up to the court stage & I'm about to send off the Allocation Questionnaire... I'm gonna go as far as I can with mine, then just wait.

Not sure if its right, but its what I'm doing.

 

As far as I'm aware, you cant actually loose anything, by carrying on... you only have to really lay any money out when you get to the court stage. If you can afford to wait to get that back then go for it, because if the OFT decide any different, you can always accept an offer from the banks, or strike an agreement when you get to court or amend your claim. What you originally claim doesn't have to be what you accept.

 

I'd wait for someone to confirm or reject what I say as I'm not very experienced, its just my opinion

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So far I have paid £120 for sending my N1 form to file my claim & I am about to send £100 with my allocation questionnaire.

 

You only have to pay the £100 for the AQ if your claim is over £1500 & here's a link to the fees you'll need to pay at the N1 stage County Court Fees I'm only saying this as once you start you cant really stop. So it should help you decide if you should carry on or not.

 

And I cant stress it enough...how important it is too read everything on this website & consumer wiki and ask questions. I learn something new everyday. & i'll help you as much as I can...

 

Good Luck :)

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  • 4 weeks later...

Got my statements at last just getting to grips with things! only thing is i had a Royalties Gold Account charge i thought was only £10.00 but ive seen charges for up to £30.00 for this can i claim this back and am i able to claim the monthly interest they charged me back! can anyone please help me :confused:

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This should give you a good idea of what you can/can't reclaim http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/57649-rbs-list-all-charges.html You can't reclaim the royalties fees though as this is a fee for a legitimate service.

 

With regards to the overdraft interest, download one of the advanced spreadsheets if you wish to reclaim the portion of the interest that was debited on your account due to charges (you can't reclaim the whole amount of interst per se though). You'll find interest calculation spreadsheets in my signature (click on the A-Z guide to download). :)

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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