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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
      • 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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:rolleyes: Well this is one of my favour sites now!! As I hope it will help me get back some money that I feel have been wrongly taken from me.

 

1. What is the difference between a Referral Charge and a Maintenance Charge?

2. Can the bank applie a charge if the overdraft limit was exceeded soley to another bank charge?

 

 

All advice gratefully welcome.

 

ps Will start a new thread re Internet banking which I feel is making even more money for the banks!!!:confused: :confused: :confused:

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Sorry it's me again the Newbie!!

 

I have some many agruement with the RBS with their internet banking as something seems to have changed recently!

 

Switch payments are deducted from the Account Summary, but are not yet on the Statement, (this is fine as it is done electronically) yet cheques that are showing on the Statement have not be deducted from the summary!!!

 

So basically if you have a cheque showing the statement - how do know if the summary is correct - apart from getting your calculator out!! Their agrument is 'the cheques may not have cleared through the account' - but this is with cheques coming out of the account?

 

I thought internet banking was to make life easier - it just seems to be a [problem] to make people become overdrawn but mis-informing them!! There does not seem to be an audit trail either to prove when you were in only the last time you were in???

 

Hiding something are they??

 

Sorry for the rant but I miffed to say the least and I have not calulated what they are due me!!

 

MODERATED post moved .. please keep to the one thread this is for everyone's benefit

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Yes, I agree.

 

Banks need some proper regulation - they have proved it time and time again - they are not to be trusted - they have unlimited funds and if they wanted to make their Internet banking as user friendly as possible they would employ GUI specialists.

 

For a contrast, Microsoft employed people and spent $30,000,000 on deciding which way the shadow should lay on their buttons when they developed Windows 2.0.

 

Now THAT is attention to detail!!!

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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1.

- Referal charge is where the bank decide to pay an item (cheque/SO/DD) that takes you over agreed borrowing limit (£30 per item, maximum monthly charge is £90. This is advised on your statement and debited to your account the 6th working day of the next month)

- Maintenance Charge occurs if you are ever over your agreed borrowing limit during the month a particular statement is produced (£28 for each monthly statement period your account has one (or more) instances of being overlimit, this is advised on statement and debited about two weeks after statement is sent out)

 

...and yes that means that if you get a referal charge you will definitely also get a maintenace charge. Well unfair! :(

 

2.

Yes they do charge you but as allanfromderby says they are both illegal so you will get your money back if you persist :)

(Yes I work for a bank but am here to help! Please be nice to me! :))

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  • 11 years later...
1. Doesn't matter - they are both unlawful.

2. Doesn't matter - if it is a charge for unauthrised o/d it is unlawful.

 

Alan I know this is outdated but I found this interesting as I have been told it’s part of the banks t&cs to charge these amounts. Relates from the same time line. Does that mean the bank is telling me porkies about what I can claim? And why?

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12yrs old!!

go start a new thread

of your OWN please

 

thread closed to stop newbie bumping

 

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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Thanks

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