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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
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    • 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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In debt - with RBS - need help!


allymisfit
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Hi All,

 

I'm new to this site and with my current circumstances, I felt it would be a good idea to join up and hopefully get advice.

 

It all started a month ago - literally - and I was happily doing my Christmas shopping via eBay. So, having a PayPal account and no problems (ever), this time, something happened.

I noticed that when I bought something (and unsure on how much money I had in my account.. which wasn't an issue at the time to be fair) it'd say "congratulations, you have purchased.." so then after that, I realised that I had spent more than I had in the bank but it was still letting these payments go through. Realising the money just came off when I got paid, it became a habit so I thought "oh great, now I can buy even better things for Christmas".. however, for some strange reason.. this stopped happening and the bank charges came flooding in - literally- every single day up to 114 Pounds a day and even over 200 Pounds on another day (even though I did check with all my bank leaflets from RBS, it only states that they can charge you up to 114 Pounds a day .. so when I enquired about this 200 Pound charge, they bluffed me off)

So after that horrendeous spending issue, I was charged over 700 Pounds.

I informed the bank about this (I also would like to note that PayPal isn't supposed to let this happen???) and of course, the bank have been of no help but just blabber on to me "We can increase your overdraft", or "we can give you a loan to pay off your debts"..

Does anyone else here see why I'd be annoyed with this? it means more money in their pocket! since I have no choice however, I've had to opt for an overdraft to pay these off.

I'm sick fed up of this and the charges. It's no money off their backsides if anyone can't afford to make ends meet at the time - infact, it just shows that single person cannot afford things right now, nevermind CHARGES!

 

So I've written a letter to the bank, explaining all this but there's been no reply. This was over a week ago.

 

I've been on the phone to them every day since these problems started and they're really not helping. Infact, I find their service totally rude. This is the RBS collection centre where I've been advised to call about this.

 

I understand there's currently a court case going on at the moment (well, has been for a long time!) regarding unfair charges.

 

I believe these are unfair because before all this, I wasn't in debt. I didn't have a lot of money, but I wasn't in debt. Now I'm in debt and recently been made redundent from my job.

 

I have no income and minus - a lot of money! - in debt.

 

Does anyone have advice for me? as I'd greatly appreciate it.

 

Just a way to pay off these debts. I'm sadly going to my local Job Centre Plus tomorrow to *gulp* enquire on income support which is one thing I never thought I'd see myself doing. It's really hard and this really is no skin off the back for RBS, but a big problem for me.

 

Thanks,

 

Ally

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