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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
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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 charges- extremely out of hand


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I wondered if I can seek advice?

 

 

Iv had an RBS since 2001 and kept it in good order,

 

 

however in 2011/2012 I had 1 missed direct debit and this is now how the account stands on my credit file

 

Date of default

31/10/2012

Default balance

£ 721

 

I wrote to the bank in 2012 and also wrote to Financial ombudsman but I only ever received 1 letter back from the bank

to say that these charges had not been unfairly charged.

 

Recently the same thing has happened to my partner.

 

 

He was with Santander and the only thing that ever came out of his account was iTunes,

For the sake of £3.41 his Santander account now stands at £600 overdrawn and is still increasing..

 

 

.. we need help, we need to know what we can do and if I can still do anything with RBS now that the account hasn't been used for 3 years?

 

These accounts are stopping us from getting a mortgage... does this mean we can claim compensation for the damage?

 

I have read a lot of articles but still unsure what my rights are.

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if you can prove the defaults were solely due to unlawful penalty charges

then BCOBS is your friend

 

 

read the RBS link when you click BCOBS

 

 

if you look in the Santander forum too [off the top main forum tab]

theres details too about Santander an bcobs wins

 

 

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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A word for Both accounts, if they went overdrawn (Especially like Santander) then BCOBS is very good here!

Santander seems to have been unfair in this situation!!! £3 turning into £600+

 

Thats disproportionate and unfair and wouldnt stand up in court... This I certainly know!!

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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A word for Both accounts, if they went overdrawn (Especially like Santander) then BCOBS is very good here!

Santander seems to have been unfair in this situation!!! £3 turning into £600+

 

Thats disproportionate and unfair and wouldnt stand up in court... This I certainly know!!

 

What can we do from here then? Is there a procedure we can follow to get this overturned?

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The whole point of BCOBS is designed to give the consumer an edge in dealing with the banks. (Or an equal footing in correct terms)

 

Search BCOBS FCA , have a read of it.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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have a good read of the info I posted before

it all there what to do.

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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then draft a complaint here for their CEO.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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