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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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OUTFIT Store Card (GE Money)***WON***


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Hi I am reclaiming charges from OUTFIT store card and have had an offer of the difference between £12 & a number of £18 charges. GE Money are handling this query and state:

 

"GE Money has reviewed the OFT's publication of its findings into default fee charges along with our own cost base. Our view remains that we are entitled to charge these fees. This is consistent with the OFT's view. The OFT ruling deemed that a £12 fee would be a reasonable charge for costs incurred as a result of breaching the Terms and Conditions of your credit agreement. Our charging structure now supports this ruling. GE Money will only refund the proportion of charges that our customers have incurred that exceed £12"

 

They are now suggesting i refer the matter to the FOS.

 

Should I take this further via the courts?

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Hi, papadak.

 

 

Yes, take it as far as you can, £12 a reasonable charge, eh.....don't think so.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Was this your prelim or LBA? If prelim, you can send LBA and state that they are LYING about what the OFT's report said: It did NOT say that a £12 fee would be a reasonable charge, quite the opposite in fact: http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf

 

We are not suggesting that default fees should be set at £12, and a court will certainly not consider that a default fee is fair just because it is below the threshold.

 

Or just sue their backside and don't forget the interest. :-D

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Was this your prelim or LBA? If prelim, you can send LBA and state that they are LYING about what the OFT's report said: It did NOT say that a £12 fee would be a reasonable charge, quite the opposite in fact: http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf

 

 

 

Or just sue their backside and don't forget the interest. :-D

 

 

Hi,

 

Very interesting reply, thank you. My last letter was a 'final demand' so the next stage would be via a court claim.

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GE Capital Bank Limited

6 Agar Street

London

WC2N 4HR

 

That's their registered office, the Leeds address is a PO Box, so not suitable for claim forms, use the London one.

 

Many thanks for your kind help.

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  • 1 month later...
Hi,

 

I've had a result v Outfit ... they've agreed to refund, charges, interest & CF - good news!

 

Superb stuff, papadak. Congratulations :D

 

What was the last letter you sent them ?

 

Have they refunded you yet ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Superb stuff, papadak. Congratulations :D

 

What was the last letter you sent them ?

 

Have they refunded you yet ?

 

Regards.

 

Scott.

 

Hi,

 

Thank you!

 

Yes they have, 2 weeks ago, via a court order - that was my 'last letter' in effect!

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Good work, well done ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Congratulations Papadak :)

 

I am about to issue court proceedings against G E Money after starting a claim with them last year, I got a bit sidetracked with other claims and am just getting back to it.

I got the same reply as you, that their £12 fees are reasonable and they would only refund the ones that exceed £12.

 

So its on to court I go :eek: Can I ask? Did you file your claim via MCOL or by your local court. I am worried that MCOL will put it on hold along with the bank claims. Its been a long time since I've had to do this.

 

Well done :-D

 

Penny:)

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Congratulations Papadak :)

 

I am about to issue court proceedings against G E Money after starting a claim with them last year, I got a bit sidetracked with other claims and am just getting back to it.

I got the same reply as you, that their £12 fees are reasonable and they would only refund the ones that exceed £12.

 

So its on to court I go :eek: Can I ask? Did you file your claim via MCOL or by your local court. I am worried that MCOL will put it on hold along with the bank claims. Its been a long time since I've had to do this.

 

Well done :-D

 

Penny:)

 

Hi there,

 

Thank You for your kind words. I issued a MCOL. It it's a store card not a prob. Go get em do not fear ... Send me a private message and i'll give you my template with detail. Good luck

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  • 4 weeks later...
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  • 8 months later...
Thanks Papadak,

 

I have sent you a PM.

 

I'm glad that its OK to use MCOL as thats the only one I have used before :)

 

 

hi any joy with outfit pennypenny??

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