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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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babyk vrs RBS


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hi everyone i have just started my claim against RBS. total 3,---- with interest 4,---- i sent my letter of requesting payment on the 16 february 2007 and to date had no reply. i telephoned them today and they informed me that due to the large volume of complaints that it would take 5-6 to look at my claim and anybodys. i sent them a second letter stating that at they have ignored the previous letter, i would commence court proceedings in 7 days. IT is clear that they are not going to reply what shall i do.

help please ,baby k.

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total 3,---- with interest 4,----
what does the 3 and 4 mean ??

 

where did you get your letters from ? how long did you give them in the first letter ?

 

when you have answered above I will explain what you can do next as you haven't given them enough time in your second letter .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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hi everyone i have just started my claim against RBS. total 3,---- with interest 4,---- i sent my letter of requesting payment on the 16 february 2007 and to date had no reply. i telephoned them today and they informed me that due to the large volume of complaints that it would take 5-6 to look at my claim and anybodys. i sent them a second letter stating that at they have ignored the previous letter, i would commence court proceedings in 7 days. IT is clear that they are not going to reply what shall i do.

help please ,baby k.

Hi babyK

I guess the 3--- and 4--- refers to an amount you are claiming?

Please start a thread in your banks forum via this link;

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=18

 

Read the faq's

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

Use the template letters here stick to the timescale as the banks are busy

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Read the successes in your banks forum, for a feel of the process.

 

If you need any instant help go to live chat, lots of people there willing to offer advice.

 

Good Luck,

Happyolddog.

 

If my advice helps please tip the scales, Left.

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hi

did not make my information clear i am requesting 3,882 charges without intest and 4,999 with intrest at 8% if i was to go to court.

my letter, which i downloaded from martins moneytips,gave them 14 days to reply and i stated in my eairler post when i telephoned them they said they would not look at any claims for 5-6 weeks, due to the large volume of complaints.

 

thanks baby k

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hi i am claiming 3,822 charges from the bank, with intrest this amouts to 4,999 if i was to go to court . i sent letter on 16 february which informed them that they had 14 days to reply to my request for charges . they did not reply ,i telephoned them and they said they were not looking at any claims for 5-6 weeks, due to volume of work ,these charges had created. i then sent them 2nd down loaded letter from martins money tips . which gives them 14 days to reply before sarting court proceedings i changed this timescale to 7 days as they had ignored all previous letters. i am unsure what do to do next. should i wait the 5-6 weeks or commence court proceedings within the 7 days.

babyk

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Your money, your timescales, dont let them tell you what the timescales are. Continue with your own and commence legal proceedings once this time has elapsed, they are trying to buy more time by stalling, treat them as they have treated you over the years.

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Baby, you mention using Martin's letters. Can I ask then, if the "interest" that has swelled your claim from 3822 to 4999 is the addition of 8% interest or is it for overdraft interest or a mix of the both?

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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hi its babyk

does any one think that the banks are stalling ,as they are waiting for the the ruling on bank charges due the i end of march or april , which means there unlickley to response to anyone pror to this date.

does any one know how long the court process takes.

thanks

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I don't think they're stalling any more than they were before, remember the OFT report on credit cards made no difference to those sorts of claims and I suspect the bank report will have just as much (little) impact.

 

Remember stick to your timetable. Once you issue your claim it takes about 28 days to know if the bank will defend or cave in. If they defend it can take between a few weeks and months to get a final hearing, depending on how busy your local court is (if you claim online and they defend it gets transferred to the court nearest you).

If in doubt read the

FAQs

 

If still in doubt - ask!

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You should be aware that the advice that Martin gives about claiming 8% from the start is slightly misguided. This 8% is the ineterst you are entitled to claim IF YOU CLAIM GOES TO COURT. If you receive an offer before filing a court claim for the full amount less the interest - ie 3,822 - you must accept it as this is all you are entitled to at this stage.

 

Just to warn you.

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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Babyk, are you in intending to file in Scotland or England? If it's Scotland, you need to think carefully how you are going to approach this based on your claim amount.

 

hi sea horse i intend to file in England. babyk

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