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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
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Bank Of scotland Advice please!!


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I had an account with an ex partner back in 1997. I had no full-time job & thought I would go to my local enterprise trust in Aberdeen to train to do the books etc to become self employed as a driving instructor.I was advised to take out an account with Barclays at the time because they offered an account which would give me an overdraft to furnish me with the funds to take my driving instructor course & not pay anything back until I had started full time work & even then I would not have to pay anything back for the first year. I then went to my own bank( b.o.s.) who said they did not want to lose me as a customer & would offer me the same deal although they did not actually do such an account. I thought this was great because I did not have the hassle of moving account. Anyway to cut it short (more info available) after being advanced 3-4 thousand pounds the bank decided they would give me no more funds & wanted their money back asap.This after 6 months roughly.I had passed two exams out of the required 3 at the time & wanted to get a car with dual controls because I was allowed to teach under supervision then for 6 months, then I had to pass the last exam before I could teach further. The bank did not want to advance me anymore even though they would have got some back from my earnings teaching.To say I was peeved would be putting it lightly. I now had to get a full time job & start paying them back & did not then have the funds to complete my course.My wife & I had money probs which baines & ernst dealt with & paid them some money everymonth. The bank however did not stop the interest accruing & on one statement I remember seeing £6000 or more.I was so scared to look at statements & the bank were never interested in little old me.I eventually split with my wife, and we made a joint arrangement to pay them £80 a month between us from roughly middle of 2002.I must add that statements for the account kept coming to me with my ex's name on them which did not amuse my new partner, but the bank refused to take her name off the letters because it was a joint debt & believe it or not my ex never gets a statement.Now I have £4,430.53 still to pay which is still more than I ever took from them. I must have paid this 2 times over in interest & overdraft charges.Anyway I started getting this email from moneysavings & decided that enough was enough & phoned them up (blair oliver & scott now) for a settlement figure because I am remortgaging at the moment & want to get this off my back.They offered to settle for £3,400 if I go down that road.They(blair oliver & Scott) then phone me back within a week asking to do their 6 monthly financial review. I laughed, because in all the time I have been in debt with them, they have never done a review, so why now when i might pay them off.I got pawned off with we would like to help you repair your credit file more quickly by arranging a way for you to clear this debt off.Can you pay it all today? Can you pay in 3 instalments? Whats the most you can pay a month? I said I am paying you already what I can afford. I am so fed up with them, that I thought maybe they have broke some rules etc in giving me an account whilst unemployed & always charging me interest etc etc.Believe it or not I still bank with them although I am now about to change because my new partner & i tried to get a proper current account & they refused us even though we bank over £1000 a month & our credit file is fine. Its because they have this on their own file that I get refused & the debt is not even on my credit file.Final straw for me was when we applied to remortgage using a broker & a fastrack system they accepted us, but when it came to doing the documents they changed their mind. Give me strength. What should I do? Do nothing & pay up & shut up cause its my own fault or has anyone any advice. Sorry for being so long winded but I am at my wits end, totally stressed out.

Mike

Mike

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First tip, if you can prove your monthly income go over the road to any other bank and open a new account. It will take about 3 months of being good with them to get to the point where they'll give you an overdraft if you need it.

BoS:- D P A sent 09/06 Prelim. request 29/06 £1755 plus interest

1st claim Filed 5/10/06 SETTLED 19/10 £747.80 plus £534.31 interest

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You might have already done it, but if you tell them that you're just not happy with the service you get at your bank now, and plan to move everything over gradually, then they're usually happy enough to set you up with a basic account, as long as you can show them a payslip to prove you're gonna be putting money in. (They should also appreciate that it can take employers time to change details)

 

Then you can start using your new one as your real account, while you sort out mess with old one.

 

That's what I've been doing, and it's mostly been neat, although I have been going between banks with money and generally shuffling things.

 

it can be a hassle in the short term, but as long as you keep a note of when DDs come out - in case they're due before things change - you should be fine.

 

(anyway, now you know how to claim back the unfair charges tht your old bank might try to slap on you)

BoS:- D P A sent 09/06 Prelim. request 29/06 £1755 plus interest

1st claim Filed 5/10/06 SETTLED 19/10 £747.80 plus £534.31 interest

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Thxs giveitback all feedback is greatfully recieved. I have changed my title because I think people are put off with the rather large story I have written but if a few people read it maybe I can sort out my actual long term problem with them.

Mike

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Guest Lueeze

okay, i read the post (yes all of it)

 

When the debt was passed on all interest should have been frozen once you reached an agreement. Charges too!

 

Okay so write to them requesting satatements (BOS) and to The debt agency, find out what charges they have added too, do the DPA for this on both.

 

Once you know, send the prelim asking for this all back and hey presto...it wont be a quick fix but you will surely be owed some money, and with this you can help write off the debt...

 

Lou xxxx

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Thxs Lueeze for taking the time to read all of it. I now know I should have broken it down into bits so you or anyone could digest it. I or my ex partner never ever made an agreement with the debt company which is actually part of BOS I think.I did agree what I was prepared to pay monthly though.Does this make a difference & should I hold off paying the outstanding amount back to them?

Mike

Mike

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Guest Lueeze

well it doesnt matter if you agreed to pay it back, your paying back something that is in dispute now.

 

Write off to them with the DPA and put in it your are disputing the amounts, and thus request a hold on the account.

 

Im hoping when you get the DPA back ,it will show you have been extortionatly charged thus opening the way for you to claim this back and writing off the debt.

 

In the meantime, Im not sure if you would be better to pay it off if you were going to or just sit tight...

 

Maybe another mod can advise...anyone?

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Guest Lueeze

You may find contacting CCCS as well as good idea for advice, do a search on here, you will find there number!

 

Lou x

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Guest Lueeze

S'ok thats what im here for! LOL!

 

(shh dont tell anyone! Im a hurly burly mod really :lol: )

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Will let you know how I get on. I presume I can email ur inbox through this site instead of letting all the others read our chain of chit chat, that won't help them get anything sorted lol Anyway if not I will post here but have a good week whatever happens lol

Mike

Mike

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Guest Lueeze

Yeah feel free to PM me, I always get users asking stuff and saying Hi! Im always here anyway (I dont have a life LOL)

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I promise not to tell you to go get a life lol Anyway I will try & suss out how to pm you using this forum when the time arrives lol. By the way I maybe don't need cccs because I am no longer needing debt management, I am still in debt(who is not) but am managing away fine at the moment touch wood.Ok will let you get on, I am sure your busy helping other poor souls like me.

Mike

Mike

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Guest Lueeze

Yeah i did think that after, CCCS might be able to tell you if they can charge interest legally even once the debt is sold and passed on, as im not 100% sure, but think this is correct...

 

In the top corner under Welcome, Wotsundermykilt, you will see Private messages, click on that and your there! LOL!:o

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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

Mike

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