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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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Rbos Money taking


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JUST CHECKED MY ACCONT THE MORNING ITS A BUSINESS ACCT AND IT HAS A 200 QUID OVERDRAFT FEE APPLIED TO IT ON THE 2ND OF MAY, HAVE HAD THIS APPLIED WITH NEITHER A VISIT OR PHONE CALL TO DISCUSS MY YEARLY REVIEW.

SO YOU CAN IMAGINE I PHONED THEM AND WELL AFTER A FEW CHOICE WORDS SPOKE TO A BUSINESS MANAGER ADVISER WHO TELLS ME THERE ARE LOOKING AFTER THE ACCOUNT NOW AND WHAT TYPE OF BUSINESS WAS I IN, AT THAT POINT I ALMOST LOST IT, THE FEMALE IN QUESTION SAID SHE WOULD PHONE ME BACK AFTER SHE LOOKED INTO MY DETAILS, TO WHICH SHE DID, BUT WITH NO OFFER OF APPOLIGY JUST AN ARRANGED MEETING IN THE NEXT WEEK.

 

 

DO ANY OF YOU FOLKS KNOW WHAT RIGHTS IVE GOT, I KNOW THEY SHOULD HAVE MADE AN APPOINTMENT PRIOR TO CHARGING MY ACCOUNT AND ALSO SENT OUT A OFFER OF FACILITY SO I CAN ACCEPT OR NOT THEN THE CHARGE APPLIED TO MY ACCOUNT WITH A NOTICE OF CHARGE SENT TO ME TELLING ME IN ADVANCE OF THE CHARGE, IAM I BEING HARD ON THE BANK THIS IS THE 2ND YEAR IN A ROW THEY HAVE DONE THIS, YOUR SUGGESTION OF HOW I CORRECTLY GO ABOUT MY DISSAPPROVAL WOULD BE MORE THAN HELPFULL.

 

 

DARRAHMAN:mad: :confused::mad:

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Hi and welcome!

 

The annual overdraft fee for business accounts is quite standard, I think its normally 1% of the overdraft minimum charge is £100. Pretty shocking they could just apply it without telling you. Assuming your overdraft limit is £20K I'd imagine they're already making a fair whack in interest off you.

 

Check the terms and conditions of any agreement you originally signed, there may be something in the small print saying that you give them authority to do this by signing the original agreement.

 

Also when you go into speak to your business manager (make sure it is your actual "business manager", not just the business advisor (a mere minion!). If you don't know his/her name then just ask in your branch they can find out.

 

When/if you go into see them it could be worth asking about a reduction in interest rates. I don't know what rate you're on but when i asked a business manager in the past he thought "base rate + 7%" (ie 11.5%) was about as good as he could offer normally.

For example if you're paying 14.5% and you're near your overdraft limit then getting this better rate could save you around £600 per year.

 

Also if you still struggle goto "customer relations", the phone number and contact details are listed as a sticky in this RBS forum.

 

Good luck let us know how everything goes.

 

And please don't shout (turn caps lock off) we're all friends here! Thanks :)

(Yes I work for a bank but am here to help! Please be nice to me! :))

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Sorry about caps, bad habit ive got.

Yes most of what you say correct regarding fees and such, need to ask for original terms but it was 20 odd year ago do you think they still have as I dont.

 

My facility is 20k and fee off 200 quid applies when offered and accepted not just taken for granted.

My interest rate around base plus 3.75 I think.

I am not complaining about the fee just in the manner it was applied after all what if that took me over my od limit:sad:

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  • 12 years later...

This topic was closed on 09 March 2019.

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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