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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
      • 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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Hardship application and a £2k overdraft!


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I need a bit of advice.

I am thinking of claiming back my charges from Abbey. I have been on contributions based jobseekers since December (which stops this week and I will not get anything at all!:Cry:) and have incurred more than my fair share of charges as I have had loads of direct debits fail etc.

My questions are:

Am i in 'hardship' if my wife works (she now pays the mortgage, council tax, gas etc)?

Will the Abbey close my account?

If they do and I have an overdraft of £2K, how do they expect to get that money back?

I appreciate any advice/comments.

:)

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They will very likley say that you are not in harship but try it if you want. I can do very little harm - except that it will delay your full claim in the courts.

Even if you get smoe money from them, it won't be everything.

By far your best bet will be to start a court claim as soon as possible and add your 8%. This is a very high rate interest at the moment and you may as well get your money earning as quicly as possible.

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I need a bit of advice.

I am thinking of claiming back my charges from Abbey. I have been on contributions based jobseekers since December (which stops this week and I will not get anything at all!:Cry:) and have incurred more than my fair share of charges as I have had loads of direct debits fail etc.

My questions are:

Am i in 'hardship' if my wife works (she now pays the mortgage, council tax, gas etc)? If you have priority debts(mortgage/rent, council tax, utilities) then you might be considered in financial hardship albeit household income should be assessed as part of the process.

Will the Abbey close my account? Abbey won't close your account because you are claiming.

If they do and I have an overdraft of £2K, how do they expect to get that money back? They won't

I appreciate any advice/comments.

:)

 

Hope that helps

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi poormanofherts:)

 

We are in a similar situation but with LTSB - we have an o/d of £4000+ and charges owed amounting to more than double that amount.

 

Although banks are not supposed to close accounts as a result of a charges claim (and on the whole I believe they don't), they did close ours (we are quite pleased actually as we no longer use it and had intended to close it anyway once all this is over).

 

We have reported them to the FSA, although apparently they cannot deal with individual cases.

 

As a precaution, it would be wise to open a parachute account at an unconnected bank and change all your payments in and direct debits etc to the new account.

 

Hope this helps.

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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