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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
      • 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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Overdraft Recall and threatened Cross Default on business Loan


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Hi Recently without any explanation my bank has sent a letter requesting my overdraft be repaid within 90 days or they will default me on my Business Loan .This wouldnt be so bad but they allowed me to use it knowingly for the purchhase of a car and also in the middle of property renovations.They claimed I couldnt meet the payments for the new criteria which was in their calculations using a 5% base rate to recalculate my yearly repayments ( not actual but for thier purposes ) and then claiming I need 3 x profits to be able to repay them ( according to criteria ) my current loan is 2.25% above base Anyway I have sent them emails requesting my contarcts so I can see them . I know for a fact that I havents signed a recent overdraft contract for a couple of years . Also in the past I have had significant financial proplems due to a fire at one of my shops and then a tennat who refused to pay rent , through which they have been undestanding . Enough to charge me over £16,000 in charges over the last 8 years which I seem to have missed out on .I am concerned that since the letter I have had no proper communication with them whatsoever despite my requests for contracts .I can repay the money but am very angry with their decison . Do i have any legal rights to stop them . Do they have any rights over the ovedraft as they have no contarct and it has been unsued for a very long time maybe 3 - 4 years until a recent withdrawl for the car and building . I had with my relationship managers advice been paying £ 300 per month to reduce it over the last year . It is around £13k howver my freehold proerty is 500k business loan about 73k so ther is loads of equity Any advice pleaase ?

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Hi Welcome to CAG,

 

Is this a branch level decision??

I'll see if anyone has any ideas.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Thanks for the replyYes this is a Branch Decison . I am fortunate that we have an ISA that we can cash in and some emergency money put by , otherwise I would be up S%*t creek without a paddle . I have sent letters to my local Mp and another MP whhere my business is . ( its a chip shop by the way ) One said he could n't help but thanks fo letting him know . The other said change banks !! Thes guys are great you know !!!My main gripe is the fact that they have knowingly lwt me spebnd the money . Over the past 3 years on our road to recovery from our non paying tenant , they have congratulated us on how well we were doing . Recntly ( March ) we sat down with our relationship manaer who was going to consolidate the overdraft and give us some money towards the purchase of the car . We filled out a life insurance policy for the main busines loan and sickness benefit as well .Then they declined the loan . This is when my relationship manager explainde that my ovedraft was miy facility and I could use it for whatever purpose I wanted .I am also aggrieved that I missed out on the Bank charge refund . They offered me £2k at the time but i declined and waited for the resluts of the enquiry which sort of backfired .I am wanting revenge against these people . I mean at one stage after we had one shop burn down and no insurance money , the bank arranged a leaseing company to help us as they wouldnt lend us any more money to help , my ovedraft went up to 45k !!! this was wround 7 years ago so its been wittling down over the years . They seem to have just turned against us for no reason at all .Is there a possibility that the Business loan has PPI , Do you think the fact that they have not sen the contracts to me means they may be hiding something or are afraid of something or are they just being rubbush.Anyway what would be my starting point here . Any more help .PS i have only 70 days left . I will be apying the money off . Will that affect my ability to take actionThanks Everyone

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Emm to a superannuated school boy at branch level

is trying to be a financier!!!

A formal complaint to the Business Banking CEO

or equivalent is called for I think,given the equity

available and current income where is the problem.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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