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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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Can't quite believe the total!!!


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Hi there

I've just started on my quest to have charges returned from RBOS and added up the total charges over 2 accounts for last 6 years - nearly £15,000!!!!! Major contributing factor in my recent divorce - they know how to hit you when you're down - don't they? Watch this space - I will never give up!!

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Crikey Fiona, I thought I had it bad with just under £6,000. It'll be nice to get it back. good luck!

RBOS: Fob off letter recieved 28th June.

LBA for £2,690 & LBA for £3,240 sent 1st July. Replt to LBA'S recieved 14/7/06......fob off again!!! watch this space

:lol: MCOL submitted 19/07/06 :cool:

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Hi Fiona ! Am i right in assuming you won`t be going the small claims route then

YB Data Protection Act letter sent recorded post 14-7-06

statements recieved 8-08-06

prelim letter sent 9-08-06

LBA letter sent 26-08-06

MCOL filed 18-09-06

AQ Filed 6-11-06

Court date 22-2-07

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Hi Fiona ! Am i right in assuming you won`t be going the small claims route then

 

You can still go the small claims route if you want - this stops the worry of being asked to pay court costs of bank. You need to split the claim up into claims less than £5000. Do not persue them at the same time, as it may be ordered that they are put together, hence taking it out of the small claims court. Goo Luck anyway - it's a heck of a lot of money - hope you can put it to good use!

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Fiona,

 

As you are in Scotland you'll need to break your claim down into batches of £750 via Small Claims or £1500 via Summary Cause.

 

Our limits up here are pitiful compared to our English friends ......

 

Good Luck

 

T

I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.

 

HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06

 

HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06

 

HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06

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Hi everyone

Thanks for your messages of good luck - I suspect that I may need them! I suspected over the years that we were being well ripped off by the bank, but was absolutely gob-smacked (and embarrassed) by the huge amount. No wonder we were constantly struggling! My letter of 'request for repayment' goes out today, so fingers crossed from here on. I'll certainly keep you posted and help anyone else out if possible. Huge thanks to site administrators for giving me this chance to claim my hard earned money back. We nearly worked ourselves into the ground trying to stay afloat while the bank happily took hundreds of pounds a month of us - for nothing!!

Good luck to everyone else and don't give up!!

Fiona

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