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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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Rbos Cc


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My wife has a CC with the RBOS and recently due to ill health, I had to take some time from work. Because of this, we fell into arrears with a few of our debts and thus began a monthly struggle to pay bills, we would be paid in the last day of the month, the 1st of the month we would be broke.

So we contacted the people we owed money too and came to some arangements, in that intrest was either reduced or frozen for a period of time. Most agreed to this as they were told the wife was due to start a new job paying more money and once I was back to work and we were back on our feet again, we would go back to paying what we paid before

 

Not with the RBOS, they have continued to add intrest to the balance to her CC, despite calling them numerous times to make some kind of arrangment to pay, they are just flatly refusing to enter into any dialogue over this. They said they dont do this and that the only option for her was to seek out a debt management service, if not then the full payments were going to be due as and when the monthly bills arrived.

 

Its getting to the point they ring most days and when the wife speaks to them, they are wanting the full arrears ( which are mostly added interest and missed payment charges) We pay what we can at the minute but it seems pointless as the amount we pay is not even covering the added interest or as we are not paying the full monthly payment, the incurred late payment charges.

 

Any advice on what course of action we can do with these people. ?

 

Thanks :-|

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Hi, Ena.

 

How old is the card ?

 

You could always re-claim all the charges on the account.

 

If you need a hand, just shout.

 

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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Hi, Ena.

 

How old is the card ?

 

You could always re-claim all the charges on the account.

 

If you need a hand, just shout.

 

Regards.

 

Scott.

 

 

Thanks for the reply. Not sure as to how old it is, will check but I think its at least 5 years old, maybe older.

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Hi,

 

You could always CCA them, which would put the account into dispute if they do not come up with your agreement within 14 days, they would then have to stop adding any more charges or Interest.

 

Letter 'N' in the library is the CCA request...........

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send it recorded, with a £1.00 postal order and don't sign it.

 

See what they come back with, if they do have an enforceable agreement, re-claim any charges.

 

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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