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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.

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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.

      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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Large personal claim - scotish law


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Hi I am a Royal Bank of Scotland customer, living in Scotland and I'm hoping someone can help me as I'm getting confused with all the information and differences in Scottish and English Law.

I want to make a claim against the Royal Bank of Scotland for around £3780 in charges to my personal account and then the interest in addition to that amount, which takes the full claim to over £4000. (over 6 years)

I have written my Preliminary Letter but before sending I just want to make sure that I know exactly what my rights are because as it stands I don't!

1. Can I claim the full amount in one go?

2. I have had this account for over 20 years, does it matter that I have no copy

or recollection of ever seeing a contract from the bank?

Many thanks for your help....Nik

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Dont send the letter untill you have had a good read of the FAQ's and a browse round the site! You would be ill advised to try and claim the full amount in one as the maximum for small claims up here is only £750. If you were to start an action for the full amount and if the bank was to defend (unlikely but always possible) then should you loose the expenses could be horrendous.

 

To defend this type of action may involve a full inspection of the banks accounts to prove they made a profit from your charges and this could involve the services of a forensic accountant. Now obviously the bank dont want this cause if it is proven then it will cost them possibly billions and certainly millions. However there is always the chance they may fight you in court.

 

I have spoken to a lawyer about the possibility of taking action in England and I am still awaiting an answer on that. There are issues with jurisdiction which need looked into.

 

The answer at the moment is to break your claim down into amounts of upto £750 which will allow you to take action in the small claims court. If you do a search on here for the word sever you will get plenty help. My own claim against RBOS is goin to be about £8000!!

 

If you have any other questions post them here and someone will try to help you.

 

Good Luck

 

cheers

 

Woolfie

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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