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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 loan


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hi all

 

Just a thought..... I went into my branch for an "account review" and came out with a substantial loan :-( they basically threw the money at me.

 

now then when doing the sums they took into account my working tax credit / family tax credit.

 

I might not be getting this for too much longer.

 

Anyone any idea of the legalities was I misold a loan that I could not afford?

 

I am strugling a little bit and managed to miss my council tax etc (more problems)

 

dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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I had similar problem, RBS new I was suffering so they kindly offered me a massive loan at a crazy interest rate, and basically told me I had to have it.......

 

I still struggle to pay it now, 2 years on !!!!!!

 

As for your question..........Don't have a clue, but get those charges back fella.

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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They kinda did the same thing to me, when I finished uni I had a 2 grand overdraft, obviously it takes a while to get on your feet after Uni, but they only give you a student account for a year after you graduate ... so when I was unable to pay back the overdraft they said I had to take out a loan to pay it off. Managed to pay it off now, but it took a while.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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The same thing happend to me.......I went in to see the RBOS last year regarding the charges I had incurred which had left me with no money to live on...(they had took a total of £1000 in a 3 month period), through offering me hankies for my tears...they told me that they were looking for my overdraft to be paid back in full (£1200) and i could take out a loan to pay it....I told them I was practically on my knees and I was only in there to discuss the charges issue, they said I either took out the loan or they would take the money out of my salary that month......nice choice eh?...I was distraught by the time I had left the bank, they hounded me for days telling me that the offer was only there for a few more days....I had no choice, I signed the contract and took out the loan with every penny going to the bank...they refunded £250 out of the original £1000 when I wrote to head office...does that make me ineligable to claim the rest of my money back?....I haven't added up the rest of the years yet...but I'm sure it will add up to a few thousand pounds...I still get angry when I think of that day in their office....I am a lone parent with a mortgage and they had me by the *****. I still have 2 years left to pay on the loan!!! I received every bank statement for the last 5 years. and at a glance I have incurred a charge almost every month.

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they refunded £250 out of the original £1000

 

I would still go for it, Don't try and get the £250 again though, better to be safe than sorry.

 

I think unless you signed anything when they gave you the £250 refund, you can and should still go for a full refund.

 

Good luck, let us know what you decide to do.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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I would still go for it, Don't try and get the £250 again though, better to be safe than sorry.

 

I think unless you signed anything when they gave you the £250 refund, you can and should still go for a full refund.

 

Good luck, let us know what you decide to do.

 

Cheers for that, I will. One last thing, I have bank statements instead of a charge sheet thingy......can I put all my bank charges, dates etc on to a spreadsheet and send that with my first letter??? I really doin't want to call them again and have to wait...

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Yeah, I think that's fine, as long as you have the statements to back up what your claiming for.

 

Stick all the charges, dates, descriptions in a spreadsheet and fire it off to them.

 

(Don't take for word for any of this though, Im only new here too, im just saying what I think I've picked up from other posts / the faqs etc)

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Ahh, I just noticed we hijacked this thread.

 

Sorry about that, I saw a question and just answered what i thought, never even thought to check.

 

mtonerscott, you should probably start a new thread about this, as were encroaching on davefirewalker's original question, everything will get really confused and muddled if there's people hijacking posts everywhere, and it makes it harder for people to help each other / follow what's going on.

 

 

Sorry mods, my bad.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Guest NATTIE

My understanding for income criteria is that tax credits can be used as income for loans but i will confirm this when I can

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