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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
      • 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
        • Like

Bank account closed without warning


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I found out yesterday that RBS have closed my account with no warning and they have said I can't get any funds out of the account.

 

They say there is a letter on it's way - it leaves me in a bad way just a few days before Christmas.

 

They told me to contact them in the New Year to see if there is any update.

 

How long can they keep my money for?

 

I had an old debt with Natwest going back 20 years - can they take this from my RBS funds??

Edited by dx100uk
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moved to the RBS forum.

 

had any large sums deposited of recent?

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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Welcome back to CAG - They may attempt to use the Right To Offset - But i am unsure if they are able to do so (Had this issue previously)

Can you setup another account elsewhere / Do you have a parachute account already?

 

Have you had any transfer in or out recently?

 

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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I already know that I am on the CIFAS register (not my fault) but it was too stressful to fight the case so I would imagine this is the reason - the RBS was my spare account when the previous account was closed! I do have one other bank account that is still open and not linked to RBS

I really need my funds back

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If you are on the CIFAS register then this will be RBS seeing that and going - "Nope - We dont want you"...

AS for funds - It depends on the situation - If these are your funds - Then technically they should arrange for full withdrawal providing their Fraud Team identify they are genuinely yours.

 

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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Ok thank you - I can show where all the funds came from so I just hope they release them - what sort of proof will they want - contact details of everyone who deposited them? I have a lot of transactions

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Oh hang on a sec - Lots of deposits? ... That doesnt sound good.

Not saying that youve done anything wrong but if you have lots of deposits, sometimes it can ring alarm bells...

 

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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I understand that - So I see a few pointers here

 

1 - You've breached the T&Cs of the account more than likely - A Current Account is for Consumers only - Businesses need to have a Separate Current Account

2 - You have a CIFAS marker... 'Nuff Said

3 - Money sent to you may have come from an untrustworthy source

4 - Debt oustanding to RBS Group

 

Unfortunately the bank works under a veil for things like this... Part of Money Laundering Laws / KYC.

How much is it that they have kept?

 

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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Somebody paid several thousands into my husbands business account - he informed Barclays and the police that it was an unexpected payment so they dealt with it. Result was account closed and we were put on CIFAS register.

RBS have quite a few thousand at the moment

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Right lets deal with Barclays. What did you do to deal with them?

 

RBS - Well - I dont know what to suggest - Apart from sending a SAR Request to them.

You could complain to the CEO but we really need to try and sort this in some way.

 

Thing is - We cant help you unless you tell us EVERYTHING.

 

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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  • 2 weeks later...

which bank ??

 

have you sent those SAR's off yet?

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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