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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
      • 161 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

Chris v Co-operative bank ***WON***


_chris_
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hi everyone,

 

i was directed to this site by a friend of mine after my constant moaning about co-operative banks habit of putting me overdrawn by charges and then charging me for the charges.

 

theyve had enough off me in the past to make it worth my while to chase it all up, any tips of experiences with the Co-Op out there, they call themselves the 'ethical bank' - i beg to differ . . .

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Guest ian cognito

Hi Chris and welcome.

 

Apart from taking a while to send statements (but still within the 40 days) I fund the co-op very accomodating, 2 letters saying you're not having anything, then a cheque for the full amount.

 

Not saying this is everyones experience but a good read of the FAQ's and bank forums should help you along.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

http://www.consumeractiongroup.co.uk/forum/cooperative-bank/

 

http://www.consumeractiongroup.co.uk/forum/coop-smile-successes/

 

Good luck!

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Hi Chris I have moved your posts to Coop bank group.

Here you should be better able to get answers and post updated progress:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...

well,well, well. . .

 

. . . after sending the Data request off before NewYear, I have received a rather encouraging response!!

 

The Co-op have responded by, firstly, sending my cheque back saying it is not necessary. This cheque is attached to a 5 page summary off all the Commission, Commission Refunds, Debit Interest and Fees against my account since March 01!!

 

The total charges read as follows. . .

 

Commission - £1434.84

Commission Refunds - £85.50

Debit Interest - £164.62

Fees - £2696.50

 

So, well over four grand theyve had off me, what I need to know is which of those charges (obviously not the refund) can I ask to have back, can anyone advise please?

 

Any help is appreciated

 

chris

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see my comments in soniahs thread

 

dx100uk

:-)

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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  • 2 weeks later...

Ok, so . . .

 

I sent the 'request for repayment of charges' letter on the 16th of January. I only requested the charges that had supplied me with, largely because Im trying to buy a house at the moment and I dont have the time to be trawling through statements at the moment.

 

In the mean time, Ive opened up another bank account elsewhere in case of any problems later down the line.

 

This morning I received a letter from the Head of Customer Services, Mr Andrew Swinley, thanking me contacting them, apologising for the fact that Im unhappy with the service and stating that I will be contacted within 7 days, either by phone or mail.

 

I'm off on holiday no, so hopefully ill have a response on my retuirn . . .

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Blimey. I go away for a few days and things start happening!!

 

I went to look at my online banking yesterday afternoon and I was presented with what appeared to be a jumble of numbers on the screen - this was in fact my balance after the Co-op had paid £3643.00 into my bank account.

 

Its a little way off the £4200 i was claiming but Im really not complaining - and it took pretty much spot on a month to do.

 

Thanks very much consumer action group people, youve made a real difference, I'd like to donate a bit to the site so you can keep helping other people, thanks again!!

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well done

if your ending it there

send a PM to a mod to get the thread moved to the success section

 

dx100uk:roll:

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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  • 2 weeks later...

This one done too.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...
well,well, well. . .

 

. . . after sending the Data request off before NewYear, I have received a rather encouraging response!!

 

The Co-op have responded by, firstly, sending my cheque back saying it is not necessary. This cheque is attached to a 5 page summary off all the Commission, Commission Refunds, Debit Interest and Fees against my account since March 01!!

 

The total charges read as follows. . .

 

Commission - £1434.84

Commission Refunds - £85.50

Debit Interest - £164.62

Fees - £2696.50

 

So, well over four grand theyve had off me, what I need to know is which of those charges (obviously not the refund) can I ask to have back, can anyone advise please?

 

Any help is appreciated

 

chris

I'm in the same position, but am unable to locate the reply (Soniahs thread) you were directed to can you help?

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this should help

the other thread was removed for some reason?

 

http://www.consumeractiongroup.co.uk/forum/cooperative-bank/54625-different-types-co-op.html?highlight=dx100uk

 

 

dx100uk:-)

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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