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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
      • 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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Letter before Action-RBS


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I have sent letter date 15 May to RBS regarding 6 years of bank charges as suggested in the first stage to reclaiming bank charges. The letter was sent to Customer Relations Manager, Freepost PO Box 1727, Edinburgh EH12 9JN. Reply 1 June - They duly responded with - saying that the bank charges are fair, resonable and transparent. We consider that the amounts debited to your accound have been applied strictly in accordance wih your agreement with us and our published tariff, which we are satisfied, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products.

 

The OFT is presently in contat with us and with seven other major credit card companies to discuss the level of charges on credit cards. It is importat that I emphasise theese discussions are limited to charges on credit cards only. We have considered the detailed statement made on 5 April by the OfT on credit card aministration charges and we have responded to the OfT by the deadline date of 31 May.

 

Consequently, against that background, we must differ with the views expressed in your letter and will not be refunding any of the charges applied to your bank account.

 

Again thank you for taking the time and trouble to write.

Since the programme televised last week by Trevor McDonald Tonight would I need to either redirect my letter to another contact within RBS or do I give up at this stage. Has any one else tried to reclaim bank charges from RBS; (over six years mine total upwards of £2000). Can any one suggest a way forward.

 

Many thanks

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Keep going!

 

This is just a standard "bugger off" letter, which everybody gets. The whole idea is that you are in dispute - you think "yes" and they think "no". After trying to reach an agreement, via exchange of letters, you allow the courts to decide who is right and who is wrong. So far, it's never got that far because the banks pay up.

 

Send 2nd letter!

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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  • 2 weeks later...

Hi there just sent letter before action 19 June 2006 to RBS now waiting to see what repsonse I receive. Just remind me how long do I have to wait for a respnse before I process my court application. I have two other credit card accounts Barclays & RBS Advanta at first stage. See what happens with those.

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Hi. Could you please 1) post in the correct forum (I have just moved your RBS post out of the Barclays forum), 2) stick to one thread when posting queries or updates to your claim? It will make life a lot easier for both you and us!

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