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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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Jeckle V's Royal Bank of Scotland


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just starting my claim against rbos

 

not sure if i got this right??

filled in the spreadsheet for compounded interest

Claim period 18 march 2002 - 21 august 2003

account closed! loan offered(declined), sent to a debt collection agency

 

Charges total £714.00

Compounded interest £1798.85 @33.7%

Overdraft interest £22.62

Compounded interest £49.21 @33.7%

 

Grand total £2,584.68

Does this sound right or am i missing something!!!!!

 

Anybodies help in bringing light on the situation will be greatly appreciated!!!

 

Jeckle

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Might sound like a stupid question but where have you got the 33.7% from?

 

Without looking at the spreadsheet the figures look about what they would be if you compounded interest.

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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its the unauthorized lending rate as stated in the summary of my statements

 

another question can i only charge interest for the time the account was open or can i go to the date my of my claim??

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Is this a card then as opposed to a current account? 33.7% is news to me otherwise?

 

It is up to the current date and continues to accrue throughout your claim. I would advise you to use one of the spreadsheets available through this site (personally, I would recommend mindzai's) as these do the interest calculations for 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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have used mindzai's spreadsheet v1.9

No its a royalties gold account from 2002

on the advice and charges page sent out each month with my statments it say's "the current unauthorised* rate applicable is 2.45% per month, effictive annual rate 33.7%"

 

another question can they sell you account ???

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  • 2 months later...

Sorry about the long absence

 

Have just got a reply from my prelim letter from rbs and it states that that they belive the charges they levied from my account are for providing servicies not charges for defult!!!!!

Does anyone know of any bank services that cost £714.00 for a year of my account being open????

 

Also in the letter they are offering to give back the £714.00 as a geusture of goodwill......

What i need to know is how to incorparate this rubbish into my lba, also i have old statments to prove otherwise!!!!

want to take them for all the money i can get as that is what they did to me

 

Any help anyone

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If RBoS are offering to refund all charges in full - you really should accept as opposed to pursuing them for any contractual interest. Any offer to refund all charges in full should be strongly considered. Please read this thread for further info on why CI should not be pursued on bank accounts http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/97691-contractual-interest-precedent-lost.html?highlight=contractual+precedent+lost

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