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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
      • 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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RBS is trying to close my business down.


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We took a loan out with RBS in 2008 and the rate was at 1.5% above base rate. I think the LIBOR rate was about 4.5- 5% then. Since the base rate has fallen to .5%.

We had a poor start to 2013 trading wise. RBS state that they were not happy with the current account and sent one of their special relationship managers around who tried to bully us into selling. Since then our trading has improved, business is good, current account is good. We have decided not to renew the overdraft which we felt that they would pull out from under us during the winter months when trading is slow. RBS is now looking at the loan agreement and would appear to be trying to see if they can make us default. We have never missed a payment. They are looking at our business plan from 2008.

We think that RBS is not happy that we are only paying at 1.5% above base and want to get rid of us. They did offer to do a new loan, but at current rates and costs.

 

Has anyone else had this problem.

Should we go to the Financial Ombudsman?

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  • 3 weeks later...
We took a loan out with RBS in 2008 and the rate was at 1.5% above base rate. I think the LIBOR rate was about 4.5- 5% then. Since the base rate has fallen to .5%.

We had a poor start to 2013 trading wise. RBS state that they were not happy with the current account and sent one of their special relationship managers around who tried to bully us into selling. Since then our trading has improved, business is good, current account is good. We have decided not to renew the overdraft which we felt that they would pull out from under us during the winter months when trading is slow. RBS is now looking at the loan agreement and would appear to be trying to see if they can make us default. We have never missed a payment. They are looking at our business plan from 2008.

We think that RBS is not happy that we are only paying at 1.5% above base and want to get rid of us. They did offer to do a new loan, but at current rates and costs.

 

Has anyone else had this problem.

Should we go to the Financial Ombudsman?

Why do you want to go to the Ombudsman.you say you think they are trying to make you default only you can do that.

 

Make sure you have your original copy of the loan agreement.they may try to reconstitute one and add things to it that are not in the original.

 

Regards Streetwise.

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Hi Streetwise,

We have the original copy of the loan agreement.

 

 

Regards campsite

Hi Campsite,check your agreement for reasons that they can call in the loan.

 

If they issue a formal demand,you have to ask them under what grounds they are issuing it .

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  • 4 weeks later...

Update.

RBS was putting us under pressure to sell, and when we would not they started to look at the loan agreement to see if they could find anything to make us default, even on a technicality.They even wrongly started to claim that our turnover for 2012 did not match our 2008 business plan.When it was pointed out to them that they had read the spreadsheet wrong they just said that the figures they had quoted where not qualified. All of a sudden we got a letter stating that he was handing us back to our old "relationship manager" because we no longer had an overdraft with them. We stopped the overdraft because we felt that in the middle of the winter RBS would pull the overdraft from under us and requireus to repay it straight away. Then yesterday, (Monday), RBS is all over the news for trying to close businesses down for their own gain.

 

What are my options?

 

BCOBS/COBS for not treating me fairly.

Or should I wait and see what is going to happen with this inquiry?

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Update.

RBS was putting us under pressure to sell, and when we would not they started to look at the loan agreement to see if they could find anything to make us default, even on a technicality.They even wrongly started to claim that our turnover for 2012 did not match our 2008 business plan.When it was pointed out to them that they had read the spreadsheet wrong they just said that the figures they had quoted where not qualified. All of a sudden we got a letter stating that he was handing us back to our old "relationship manager" because we no longer had an overdraft with them. We stopped the overdraft because we felt that in the middle of the winter RBS would pull the overdraft from under us and requireus to repay it straight away. Then yesterday, (Monday), RBS is all over the news for trying to close businesses down for their own gain.

 

What are my options?

 

BCOBS/COBS for not treating me fairly.

Or should I wait and see what is going to happen with this inquiry?

Get all your paperwork together and in order prepare your case to show what the bank was trying to do to you.

 

Just a quick question to anybody reading this thread,do you think Mr Tomlinson Knows anything about the going ons at TELFORD.

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  • 1 month later...

I have requested a Full SAR. Recorded delivery. I have had letters from them regarding PPI and credit card branches stating that they can not find anything, this is because we only have a loan and current account with them.They have not cashed the cheque.The 40 days is now up, and I have not received anything from them. How long beyond the 40 days should I wait?

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I have requested a Full SAR. Recorded delivery. I have had letters from them regarding PPI and credit card branches stating that they can not find anything, this is because we only have a loan and current account with them.They have not cashed the cheque.The 40 days is now up, and I have not received anything from them. How long beyond the 40 days should I wait?
Its up to you you could call them and ask them if they will be complying with you S.A.R. request and when or just leave till it arrives,have you got comformation that they recieved the request.
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It was sent "special delivery" and I have checked the post office confirm that they delivered it.I also have letters from RBS credit card and Mortgage/PPI people saying that a copy of the request was past to them by the Chief Operating Officer based in Edinburgh. So I know that they have received the SAR. They have not banked the cheque. I do not have a mortgage or credit card with them, but I do have a current business account and business loan with them, so I should be getting data from them.

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