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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
      • 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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We've been with RBOS for years (account/credit card/mortgage/loan) and have accepted charges as the occasional downside of having a reasonable income but being a bit careless with our money. However today the worm has turned! My credit card has been just over the limit the last 3 months when interest has been added (this time by less than £5 and that only because of the £12 charge for the previous month's sin) and today I've received a letter hiking my interest rate to 24%. I'm furious but of course can't afford to pay off the balance and close the account.

 

Apparently the companies are doing this to claw back the money they're losing in reduced/reclaimed charges ... so I may as well claim my share!!! I'm about to send the letter asking for statements for my bank account. Is it possible to claim for credit card charges too?

 

Great website by the way. An hour ago I was like this: :mad: ,but now I feel I can do something positive I'm getting back to: :-)

 

"Statements requested" letter posted: 26/03/07

Statements received: 12/04/07

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In short....yes!

 

These are no different to Current Account Charges. Why don't you go to the RBS successes forum and do a search on "credit card" you will find lots of entries come up I'm sure.

 

Keep the questions coming and 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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Hi,

 

Yeah, you can claim back the charges however from what I have read, a lot of the time, they will only give you back the difference between the original charge and the new OFT £12 charge that came in.

 

I have had a similar situation with Egg card just arise also. Been a customer with them for about 5 years or so and have not been over my balance in the past couple of years or missed a payment in the last 2 years either. Before that I did mismanage for a summer at uni and because of this my rate has been hiked to 21.9% from 15.9% in November last year!

 

Think I may challenge the charges on my Egg account now also in thinking about it! :D

 

superward

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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Superward, they might only OFFER you back the difference between the original charge and the new OFT £12 charge that came in, but that is certainly not what you are entitled to.

 

Have a read of this. This is in relation to whatever charge amount the OFT decides for bank accounts but it is the same for credit cards.

 

http://www.consumeractiongroup.co.uk/forum/general/70359-about-oft-impending-report.html

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 T4FF,

 

Aha, I see. Thanks for that, just had a read over and it makes much better sense now.

 

Not had many dealings with charges on credit cards yet :roll: ...I may have to look out some old statements.

 

Cheers,

superward

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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Just bear in mind the OFT's ruling is nothing more than a guideline so it doesn't say that £12 is lawful - it's just closer to being lawful than £28 is!!

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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Superward: I've got an Egg card too - here's hoping they don't do the same to me. It makes me so cross. Raising rates so drastically makes it harder for people to pay and even more likely they'll default. What these companies are really doing of course is squeezing as much money as they can out of people who probably haven't the means to pay off their outstanding balance and tell them where to go (like me!).

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  • 2 months later...

Well I've won. Haven't been keeping this thread updated so here goes with the full timeline:

 

Request for statements: 26/03/07

Request for refund: 14/04/07

LBA: 14/05/07

Offer of full and final payment received: 21/06/07

 

I decided to wait after the LBA rather than push on with the claim after 14 days because I knew from reading other posts on here that RBS seemed to be taking 6/7 weeks to get round to a case but would then offer. Personally I preferred the wait to the hassle of dealing with their solicitors etc. even if in the end I still got the money plus some interest.

 

Only other thing probably worth mentioning is that I did use the template letters on here as a starting point, but altered and simplified them to be more in my own style.

 

Thank you CAG for your help - in the end it was relatively straightforward, but I know if I had needed to take things further you would have been there to help me!

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