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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
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    • 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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2 Accounts = 2 Seperate Claims?


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Hi All,

New to the site, hope you can help me with a few queries before I get things moving with the bank.

I have one rbs joint account with my wife and she has her own rbs account.

I have calculated that we have been charged £827.93 in charges on the main account and £341 on my wife’s account.

Q : Do we apply for both accounts together or do we make a joint claim for the joint account and my wife only makes a claim for her account?

Using the scotland simple excel sheet from this site has calculated interest at 8% on the charges from the date they applied till today of £93.60 on the joint account and £32.15 on my wife’s account.

Q : Do I add these to the charges and claim for the total?

One of the charges on my wife’s account was for £25 which was a fee they charged her when the council tax tried to arrest her account, the rbos never gave them anything as it was in overdraft at that time.

Q : Is this a claimable fee?

I have not written to the bank for statements as I do all the finances in Microsoft money and have 9 years of records; a fee transaction I have recorded in 2004 was for £21.93 which was an odd amount.

I want to get the claim in as soon as possible and don’t want to wait for statements.

Q : Am I better leaving this out as it may hold up the claim if its not a claimable fee / disputable?

I have this month’s statement in and it is confirming charges that will be debited next month

Q : Can I include fees in my claim that have been detailed on the statement that will be debited next month?

Any help or further advice would be appreciated

Many Thanks

DFH101

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Hi there

 

Q : Do we apply for both accounts together or do we make a joint claim for the joint account and my wife only makes a claim for her account?

I don't really want to answer this one, as there are different implications as you are in scotland. If it were England / Wales I would say it is up to your but the limits are different in Scotland so you will have to wait for someone who knows about them to answer this.

 

Q : Do I add these to the charges and claim for the total?

8% interest is statuatory interest that your able to claim ONCE YOU FILE A CLAIM WITH THE COURTS. Until such time, you are not able to claim this interest. Keep the calculations handy for when / if you get that far.

 

Q : Is this a claimable fee?

It's not an arranged fee, it's not something you agreed to, so IMO yes.

Q : Am I better leaving this out as it may hold up the claim if its not a claimable fee / disputable?

What is the narrative against the charge? Have you written any wording down from the statement or does it just say CHARGE?

Q : Can I include fees in my claim that have been detailed on the statement that will be debited next month?

I wouldn't include them on your statement as yet. You could mention them in your prelim and say you wish for them to be reversed. If you do end up paying them you can then adjust your spreadsheet when the time comes.

 

Good luck ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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