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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.

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      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.

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      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.
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      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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Response from RBS Credit Card...help?!!


westwalian
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19th Oct sent SAR - received response with statements on 27.10.06. Sent LBA on 2.11.06 claiming £61.28 charges. 9.11.06 received a letter advising me that investigations are underway. 13.11.06 received a letter from RBS as below. Has anyone had this response, if so, where do I go from here please? There seems to be cross lines with the letters!! Thank you for reading this and looking forward to a reply.:???:

 

Thanks again

Amanda

 

Thank you for your letter dated 2.11.06, concerning the charges that have been applied to your account.

 

The Terms and Conditions that you agreed to when opening this account do state that if we do not receive your payment by the due date given on your statement or you exceed the assigned credit limit on your account, then interest will automatically be calculated and you will also receive a default charge.

 

As advised on the reverse of your monthly statement, it is recommended that sufficient time be allowed for payment to reach us by the given date. The Royal Bank of Scotland has considered the Office of Fair Trading's view that fees charged by credit card companies are excessive, and do not represent the actual losses incurred.

 

The Royal Bank of Scotland is committed to ensuring that its customers understand its charges and we provide them with every opportunity to avoid paying them. We do review individual cases where fees have been applied to credit card accounts, treating each one on its own merits.

 

Whilst The Royal Bank of Scotland strongly disagree with the Office of Fair Trading's legal position on credit card default charges, has lowered its late payment and over limit fees for credit cards to £12.00. Against that background, we must differ to the views expressed in your letter and accordingly, the charges that have been applied to your account will stand.

 

I am able to provide you with your account records held on file and copy statements, which will detail any charges that may have been applied to your account. Please note that under the Data Protection Act 1998, a fee of £10.00 is required for the provision of this information. (I have already had these from the previous letter!!!!!).

Should you require this information then please forward a cheque, made payable to the Royal Bank of Scotland, once cleared the account records and statements will be posted to you.

 

If after 2 January you remain dissatisfied then you can ask the Financial Ombudsman Service to look at your case. A leaflet was sent to you on 9 November 2006 explaining how the Ombudsman works and how to get in touch with them. If you need another copy of the leaflet then please let me know and I'll send you one. However, if you are happy with my letter then you do not need to do anything else.

 

Ms Jones, while I realise my response may not provide you with the outcome you would have expected, I trust my explanantion clarifies our position.

 

Yours sincerely

 

 

Jeff Wiseman

Customer Care Team

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