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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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Micking v RBS


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Hi all,

 

I sent the letter with my £10 to request all my statements yesterday. I know they have up to 40 days to send this information to me but is this how long it is likely to take - I imagine they will delay it for as long as possible??

 

Can anyone help me as to what I can claim , is it anything that appears on my statements as a Charge, i.e. I used to be charged £10 per month for my Royalties Account, then charges about £7 a month for the overdraft, plus all the usual referral charges etc... I think if I can claim everything it amounts to about £2000.

 

Good luck to everyone pursuing this - Martin Lewis is a genius!!

Michelle

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If the £10 a month was a premium for having a certain type of account then you can't claim that, it's a genuine service fee.

 

Bounced cheques, DDs, SOs, 'Paid Referral', Excess Overdraft, Unauthorised Overdraft, etc etc - all these can be claimed.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Martin Lewis is a genius!!

 

Indeed Martin is a great guy full of good advice (and sex appeal thrown in for good measure...or is that just me that thinks that?) but the thanks here should be given to BF and dave (to name but a few) and to all the moderators who do a fantastic job helping everyone out. Sorry I just wanted to put the record straight ;-)

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I think I'm confusing myself now, I sent the letter requesting all charges with the £10 to the address from the DPA link above the template letter - should this letter also go to my branch??

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I sent my request for statements for the last 6 years, last week, to the RBOS address on the DPA link, everyone else seems to have sent their letter with their cheque to their Branch - has anyone else sent theirs not to the branch?? How long did it take before the information was sent, I know it says up to 40 days, just wondering if it will take that long??

Thanks.

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I've merged your threads and changed the title to assist you with your claim. It's easier for us to follow when we see the whole story of where you are at, and you will gain much better advice. Please stick to the one thread. Thanks.

 

Have a good read around. I'm sure people state in their threads how long it took.

[

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Thank you, I will look through the threads, but as yet can only see that people have sent the letters to their branches, think I'm worrying unduly!!! Just want to get the ball rolling!!:grin:

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Michelle,

 

I was told that it can take up to 7 days to produce the statements and then the post out time. I recieved mine once I prompted my Branch, who also cancelled my cheque for the inconvenience (a small but sweet victory!). Beware of the "sorry we have not recieved that letter" sketch, if you go through your Branch they will do the donkey work for you before it gets progressed up to the Bank's Solicitors stage. Don't panic!!! It may seem daunting but read the other threads on here and get cutting and pasting some useful statements from other threads that may be going through similar processes, I would also read the FAQs making sure you print off a copy of the Rules of Engagement and Moneyclaim Guide Notes. The more you can prepare for the better when the letter drops onto your doormat. Get a calendar out and mark on the dates of posting of your letters and subsequent D-Days. The odd call may have to be made to the Bank to check on progress because they will swing the lead, but stick to your timescales, its your money and you want it back!! All power to the BAG!!;)

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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  • 3 weeks later...

I actually got a phone call from the Bank today to let me know I have a direct debit going out which will take me over my overdraft, I told them I transferred funds from another account on Tuesday and would hope they will be in the account tomorrow so no charges will be going on to my account. While I was on the phone I asked them if they can provide my statements and immediately she answered it is ot worth me going to the ombudsman as they have justified all their charges - is this the case?? I expect its a standard speech they've been given....??

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It's not worth going to the ombudsman as they would take 8 weeks to respond and then side with the bank anyway. They cannot decide if a charge is lawful - only a court can decide this.

 

So stick to the steps outlined on this site and ignore the banks stalling tactics telling you to complain to the ombudsman etc.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Its got nothing to do with the ombudsman, confusion on the staff's point of view. I would be interested to read this proof to the Ombudsman, other posts have pointed out that even the RBS's chairman couldn't justify them. Any way, the OFT ruling was that charges should not be above £12 for Cradit Card companies. I would say that he/she is just trying to scare you off, you are asking for copies of information held on your account and they cannot refuse to give it to you (well, I'm sure they would try...). Sounds like more stalling tactics, desperation sounds like it is creeping in to your Branch!!:lol:

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Not sure I sent the first letter requesting list of charges to the correct address so yesterday I sent the letter to my actual branch. Just had a call from them asking me what I meant by manual intervention!! Felt a bit stupid as I don't recall the exact wording in the letter, had to make excuses until I was able to find the letter on my PC and read it again!! At least I know they have received it now - just waiting now!!

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