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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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Zzed V RBSAdvanta Urgent help here


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So it all began in October with RBS and juddered to a halt on 27/11/06

when I got a letter stating the following:

 

We beleive that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, coplies with all applicable laws and regulations. We are also commited to ensuring the transparencyof the information that we give to our customers about the operation of our products.

Whilst strongly disagreeing with the OFT's legal position on credit card default charges, Mint has lowered its late payment and over limit fees for credit cards to £12 with effect from 28 June 2006

It os not our policy to refund late payment/over limit fees that were charged previously at a higher level at the time the fee was incurred.

Consequently againts that background, we must differ with the views expressed in your letter and will not be refunding the charges applied to your bank account.

 

 

It goes on to say that they hope this clarifies the matter blah blah blah.

 

Clear as mud right now. They have followed the OFT recommendations, have paid out to others but are refusing to do so this time?

Why??????//

 

Can anyone help what with guidence regards the way forward:-x

HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too:cool: 2008

RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006:D

Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008 :-x

Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06:x Settled Nov 2006 :D

CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006:D

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Thanks Hyra

 

Chin & Tails up again.

 

On we go:cool:

HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too:cool: 2008

RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006:D

Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008 :-x

Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06:x Settled Nov 2006 :D

CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006:D

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I will need some help on the LBA as the standard letter does not counter the argument in RBS letter enough.

 

Are there any other options for the LBA?

HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too:cool: 2008

RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006:D

Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008 :-x

Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06:x Settled Nov 2006 :D

CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006:D

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Not to worry, have edited accordingly

 

Aluta Continua

HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too:cool: 2008

RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006:D

Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008 :-x

Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06:x Settled Nov 2006 :D

CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006:D

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