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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 
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    • 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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Barclaycard v debt star *WON charges * - now


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  • 2 months later...
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Update:

 

Well its been a while but I'm delighted to report...

 

****VICTORY OVER BARCLAYCARD********

 

The FOS have adjudicated in my favour and Barclaycard must now:

 

1. Remove all late payment markers on my credit files

2. Pay £100 compensation

3. Put me back in the same position I was in before they canclled the repayment plan inclusive of interest and charges

4. Pay back nearly £1K worth of charges plus interest going back 6 years

5. Reinstate the repayment plan

6. Investigate the PPI claim I have made (which they ignored)

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Fantastic result-well done.

Moved here.

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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great result

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Debt Star and congratulations on your victory.

 

Check the calculations relating to the refunds that BC make, to ensure they are reasonable.

 

Hopefully, this will leave the a/c in a manageable state as regards paying off the balance.

 

8-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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  • 3 weeks later...

heads up: barcalycard have today credited my cc account with approx £1200!

 

That's interest, charges and interest on charges.

 

Much more than i thought I'd get! So message is: stick at it and refuse to go away when they try to fob you off with their underhand tactics - stick it out - it pays off in the end. It took me 6 months of sheer bloddy misery to get this success - and if I can do it anyone can.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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CHECK their SOC!

 

they short changed me by £224! [ they only calculate simple int at their int rate not compounded]

 

can you scan up their SOC they include or have you not got that yet?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DS,

 

You can check the charges refunded and compound interest by using this spreadsheet - http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

It'll show if they've refunded roughly the right amount, or not.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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not received. should they have sent this?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Yes!

 

i got mine about 10days after the payment to the card bal.

 

who did the calcs? do you know

did the FOS guy indicate he knew what you should get back?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no, the fos guy left it up to the bank to do the math.

i'll write to Sharklaycard and prompt them to send the calcs.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I'd trust nobody but yourself.

 

If you enter your charges and dates on the spready I linked above, you'll see what figure you would expect to claim if you were seeking interest in restitution, compounded at the a/c's contractual rate.

 

TBH, I doubt they will have offered compounded interest but they may have offered simple interest at the contractual rate.

 

And, in all honesty, you could complain if they've short-changed you but the FOS may just say they think the bank has now acted properly.

 

Taking court action over this may be risky as the bank will have already refunded the charges and some interest. If the court disagrees that you are owed any more, you would almost certainly have to pay the bank's legal costs of defence.

 

8-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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lets see what difference there is between their figures and mine. if its not massive I may make an 'executive' to let it go. if its biggish, I'll go back to them (the bank). have requested the calcs now and we shall see.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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  • dx100uk changed the title to Barclaycard v debt star *WON charges * - now
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