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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
      • 161 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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Here we go!


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I have been struggling with debt for a couple years now and have even taken a year out of university because my debts meant I had to work instead (back to uni in september though!!)

 

I felt so alone until I stumbled upon this site...everyone is so informed if you read all the faq's you feel so clued up!

 

I have just sent the DPA letter to RBS and plan to take on Capital One and Natwest too. I know there is a lot of support out there now and actually feel excited about taking on these banks :)

 

I will keep you all updated of course

 

Debs :rolleyes:

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Good luck!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Please can anyone help me?:???:

 

I have sent off the DPA letter to RBS. My debt with them is almost £5,000 on a student account...my original overdraft limit was £1,400.

 

I got into debt when i maxed my overdraft and continued paying for things using my cheque guarantee card. A big stupid mistake but i was so desperate and didn't really think i was doing anything wrong. I only wrote about 10 cheques but the charges are why my debt has become so big (about £70 charge per cheque plus interest plus unautorised overdraft charge)

 

However since looking at the moneysavingexpert site i have found out that this constitues fraud and you can go to prison for it! My bank did put my account into default and I am paying them £28 weekly in an agreed payment plan.

 

If i try and press them for the unfair charges added to my account will they prosecute me for fraud. If i could get back those charges it would reduce my debt by thousands but I'm a bit scared to do it now!

 

Any advice would be really appreciated:???:

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i doubt very much indeed if you would be prosecuted. After all, it was stupidity not fraud that got you into trouble. I really wouldn't worry about it and go on and claim your charges back :)

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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They allowed you to exceed your overdraft limit to go into an unathorised overdraft facility that they themselves created. This is where most of the UK's debt problems lie - with the banks themselves.

 

You could claim irresponsible lending. You should be able to get all of your charges and interest on those charges back.

 

Good luck.

Vamp.:)

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Good Luck

 

Woolfie

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

At last...

 

I wrote DPA letter around 40 days ago.

After 30 days with no reply i wrote to bank chasing them,

they then denied i had ever sent them the first letter and cheque...

unlucky fot them i obtained proof of delivery so i wrote back kicking up quite a fuss about my 'missing' letter and cheque.

 

Finally got a letter through today that simply says they have ordered the statements for me and they will be with me soon. No mention was made of what happened to my letter or cheque but at least this is finally going somewhere now! Am expecting i will be able claim back almost £5000 so i cant wait to get these statements..will keep you posted

 

Deb

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What Bank is it? BOS / RBS?

 

If the 40 days have elapsed before you've got ALL of your statement information, lodge a complaint against them with the Information Commissioner's Office - they're taking a dim view of organisations that fail to comply with the rules of the Data Protection Act.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Its RBS student royalties account.

 

Im at the library now but i will check if the 40 days are up in my diary when i get home. Im sure that their time is up so i will look up the address for the information commisioner on this site now and complain.

 

...I love giving the bank as much stress as they've given me in the past. Revenge is sweet!

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  • 2 weeks later...

I have read all the FAQs and me and my boyfriend in a processof getting back our charges. My boyfriend would like to know from other forum users how common it is for RBS to close accounts once charges have been claimed back. He is opening a parachute account elsewhere but would like your views on the subject :D

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4 threads merged. Please stick to this one thread for your RBS claim.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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