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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
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charges for unused bank account


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Hi there, i am looking into retrieving my bank charges from the bank of scotland for the past 5 years (being a student for first few years...i have had many!) I am writing to ask for advice for a slightly different matter..I also opened an account with the royal bank of scotland and opted for the gold account as i was advised this would help me in applying for a loan, this account would cost me 12.00 a month to keep. As i opened the account no money was put into it and therefore i was charged when the fee of 12.00 came round. I was silly not to sort this matter out and close the account and the months ticked away, i moved back home to my mother as money was tight...then i recieved a letter from debt collecters informing me i was required to pay 416.00. I have never put money into this account and have not taken a penny out of this bank. So far i managed to settle with the creditors to pay 300.00, which i paid 150.00 last month and am ment to pay another 150.00 to finish which was due 27/01/07. Is this also illegal foe banks to do?...can anyone help? I am reluctant to pay the creditors this last payment as would this close my access to claim if the matter is closed?

CAN ANYONE HELP? WOULD BE MUCH APPRIECIATED XX

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You have to pay the fees, but not the charges that have been made to your account. I think in this instance as the money you owe is made up partly of charges that you want to claim back then the amount is in dispute. And when this happens you cannot be persued for the debt. So you need to inform whoever it is chasing you for the money of this.

 

Then you need to start the process for claiming back charges and take it from there.

Ex CAG helper ^_^

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Also if this is the same as the AG account with natwest if you have opened this account within 90 days you can cancel it and ask for the fees back as you weren't happy with the account and have it downgraded back to a normal current account.

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Ex CAG helper ^_^

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Thank you so much for your reply. Im still wavering as to pay this last 150.00 (the dept collecters - cap quest, want it by 31/01/07!) I did contact them informing them i was now in dispute of the ammount i owe but they informed me it was way to late and i had agreed to pay 300.00 and want the last payment, I did tell them i didnt sign anything although i did agree on the telephone as i was unaware of the bank charges issue at the time. This bank account was opened nearly a year ago. The person i spoke to at cap quest also informed me that i had also breached my contract as i didnt inform the bank of my new address....(yes, I got scared and went into hiding....oops!)

 

I really appreciate your advice x

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