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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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  • 4 weeks later...

Confused by interest!!

 

I have received my last 6 years worth of statements and having gone through them am pleased (or should it be dissapointed?!?!?) that my charges amount to no more than £280.00. I am however confused over interest.

 

I have always had an overdraft facility, starting at £200.00 (raising gradually to £500.00!!!!). Looking at my statements for the six years, during the 4 years prior to the merger with Halifax, my interest debits amount to around £1.00 per month, give or take a few pence. This interest charge seems to be fairly consistent throughout the 4 year period even on the months when I did go over my authorised overdraft.

 

Since the merger with Halifax, again this interest charge seems fairly consistent at around £1.20 ish or thereabouts per month except when I have gone over my authorised overdraft when it rises to anything between £2.00 & £5.00 (peaks at £4.87).

 

I am confused as to what I should include on my schedule of charges (if anything) as far as interest is concerned as I can't say what is normal interest on agreed overdraft and what isn't.

 

Any advice eagerly accepted! Many thanks.

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Although you can reclaim interest, I (personally) found this a very complex process to work out.

 

Your easiest option is to simply tot up the actual charges, bung them into the Spreadsheet (in the Bank Templates Library) and send them your Prelim Letter to ask for this amount back.

 

Be careful to only ask for the total amount of Charges back at this stage - DON'T MENTION the additional 8% untill you get to the stage of Court Action.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Advice required please

 

Sent LBA and got a letter shown below in response:

 

“I refer to your letter received the 19th July 2006: naturally I am concerned that you have found cause for complaint and at the outset please accept my apologies that you have not received an earlier response.

I appreciate your concerns regarding the above account and please allow me to explain that HBOS disagrees with the legal analysis of default fees outlined in the OFT’s statement, published in April.

However, the group has today confirmed that it will be reducing default fees across its credit card product range to £12 from 1 August 2006.

Until that date, all existing terms and conditions apply.

Our charges on current accounts/credit cards are a genuine pre-estimate of costs that generally arise when customers breach their agreements with us. They cannot take into account the individual circumstances of each particular case. In the circumstances, we do not agree with you that they represent and unlawful penalty or unfair term under the Unfair Terms in Consumer Contracts regulations.

Please note that we are at this time working in conjunction with the Office of Fair Trading and although they believe charges are to be no higher than £12 there has not been any legislation passed which would force us to reduce our charges on our Bank Account products at this time.

It is the customers responsibility to ensure that funds are available to cover Direct Debit/Standing Order, cheques repayments and also charges due to be debited from their account as we give you an adequate notification period of 28 days to allow you time to do so and also advise that you will receive further charges if your account is not conducted so.

I note from your account that charges were in fact due to you exceeding your agreed Overdraft facility therefore it was not an error caused by the Bank of Scotland we would not look to refund any debited charges at this time. Although I have as a gesture of good will cancelled pending charges due to debit 31 July 2006 to avoid escalation of your balance at this time.

Should any of your concerns remain unresolved please let me know what you’d like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we’ll provide you with details of how you can contact the Financial Ombudsman Service for assistance. If I do not hear from you within the next eight weeks I will assume you are satisfied with our response to your letter.

Yours sincerely

Blah blah blah"

Should I ignore the letter and just send the next letter when the 14 day period expires or should I respond in some way to this letter. Incidentally, with reference to the 'goodwill' gesture of cancelling impending debits due on 31 July 06, I wasn't aware of any of further charges due to be debited!!!!

All advice gratefully received, thanks.

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