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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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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RBS No CCA Letter received


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Hello Everyone!

 

I wrote to RBS with 1.00 pound postal order requesting a copy of my CCA for a credit card I have with them and allowed them 12 + 2 for their reply. They replied to me within the time frame and recievd a letter advising me. Thank you for your letter and the comments are noted. Unfortunately, we cannot provide a copy of CCA, as it is no longer available. I have been paying them all this time. Does anybody know of a leter I could send to them that the account is now in dispute because they do not have a copy of the CCA. Your help greatly appreciated. Many thanks.

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

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

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

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Moved to RBS forums.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Hello Everybody,

 

Many thanks for all your help I wrote to Mint and asked for CCA. They wrote to me advising that they do not have a copy of CCA. Then I wrte to them with a letter from the consumer forum library advising account in dispute, now they have sent me the attached letter. I had an agreement with them in the past but now should I continue to pay the agreed amount or should I stop? I have attached their final letter to me. Please take a look and would appreciate your comments and advise. Once again thank you..Gum

Mint.pdf

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Hi!

 

I CCA'd RBS and they provided a copy of CCA within the time frame specified. However, what they provided is my original application form and not the correct dual signed credit card agreement with the prescribed terms. I checked on the forum and compared with previous case studies and what they have provided is a application form with a load of photocpied agreements. I wrote to them advising that what they had sent was just an application form and the account is now in dispute.

 

RBS had mentioning that this was their final response and in their opinion the account is not in dispute. I have uploaded their letter. Kindly advise my next course of action. Much appreciated. Thank you..gum

RBS.pdf

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