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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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Nationalised banks!


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The FSA is not doing this. The OFT are... ;)

 

It is an interesting point though...

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I also wonder how this affects the opinion of legislation on taking charges from those on benefits. How will the Gov't not interpret this as it is now the very same Brown who giveth & Brown who taketh away..

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  • 2 weeks later...

It should be made a condition of the tax payers involvement, (and our funding from private individuals and the private sector), that we as tax payers have representation on the board of each bank. Bonuses for the greedy bankers should be scrapped immediately and each bank closely monitored to ensure that they do not misuse the tranche of funding now allocated to these UK banks. They should be accountable to us, as British tax payers, for how the funds are used. We are, in effect bailing them out for gross misconduct - they should be in jail. It was basic greed that led to their downfall.

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well you can point the finger at the banks, however what about the gov? and those who over commit themselves?

 

but yes bonus of 2mil is by far over the top..

 

Yes, your absolutely right! The Government and the Civil Service, including the Scottish Executive, should be trimmed down substantially so we, the tax payer, get value for money. At the moment it's blank cheque syndrome, we certainly don't get what we pay for, nor for that matter do we get value for money. If that lot were in the private sector, actually fee earning to sustain their businesses they'd be a lot of Government departments going bust.

 

Over commitment by an individual is another area whereby banks should have monitored an individuals capacity and ability to repay agreed loans/overdrafts. Irresponsible lending by banks, (so lending targets were met), were totally out of order. How can you teach people to budget when money (credit) is thrown at individuals without teaching them how to budget within their means. Banks certainly do have a lot to answer for they should bring back the well trained, prudent Bank Manager to give us peace of mind about our savings. icon10.gif

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According to this more than enough warnings were raised

 

BBC NEWS | Politics | UK 'ignored Iceland bank warning'

 

The government ignored them and the FSA did................absolutely nothing!

 

The FSA did not carry out enough checks on NR and if it had maybe it would of realised ALL the banks were doing the same!

 

The government have got carried away with the "making money from nothing" carry on as well as the finance institutions and had become totally blinkered.

 

THEY have all been responsible for what is happening now and expect US to pick up the tab.

 

GREED has become the ruler of this globalization at a huge cost to our communities.

 

We need to go back to basics. So long as you have food and shelter and the love of those nearest to you what else do you need?

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Yes, you too are absolutely right in your assessment of the situation but it is difficult to reverse the threads of greed which has dominated our society over the past years. I basically have lost all credibility in the banking sector over the past few years and the banks need to recover some degree of honesty and transparency in their dealings before they can be trusted again. As you say, they need to get back to basics whereby you can trust your bank to look after you. From recollection I remember the Bank of Scotland slogan used to be "A Friend for Life". Not a chance they've let a hang of a lot of people down.

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