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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
        • Like

Not Smiling vs Non Ethical Bank - success!!


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After my prem letter and LBA, I received the bog standard 'complaints procedure...4 weeks....will get back to you...blah blah, I have forwarded via the secure messages, my intention to go to court. I am STILL receiving charges against me (you would think they would learn!!) I have read that some people have experienced their overdraft disappearing - my experience with them is finding that because in 1 month I got charged over £90 on my current account - they cancelled all my direct debits and told me I couldn't reinstate them for 3 months. I bluffed my way through 3 months with cheques to the mortgage company (never again) and the 3 months came and went. I contacted Smile (!) and re-instated them. They then bounced them all and then charged me! I had money in the account to cover these DD's but they told me to pay by cheque and start again next month!!! My bank causes me more problems than my job and I thought that was stressful!

By the way, am I the only person not to know that a cheque guarantee card only covers a cheque for 3 days after the date it was made out? Or is this another Smile ploy to fleece me of more cash??

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I've never heard of that cheque guarantee claim, I did read up on it once and didn't see anything about that, maybe someone here knows better though it sounds like you are being fobbed off.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Sounds complete rubbish to me as the cheque has to go through a central clearing house and many take 3 days to clear (even though they have the technology to do it same day).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thats what Smile told me! So they bounced my cheque, charged me £25 for doing it and the company who I paid the cheque to charged me also for it being bounced. Smile told me that I had written the number on the back. I told them that I hadn't. When that was proved that I hadn't written it they then told me about this 3 day rule!!!

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Just received this from the bank this morning. A tactic to put me off I presume?? Never mind, here goes with the N1 form

 

"Thanks for letting us know. With regards to the charges on your account how is it that they were unlawful charges, they are explained clearly in the terms and conditions you were asked to read upon opening the account.

 

The charges you mention are these the charges for not staying within the limits of your agreed over draft or the charge of £25.00 for unpaid items (using your card without the avalible funds)

 

As both charges are neither a bank error nor in need of refunding, you don't run your account within the terms and conditions which is why no refund has been offered. "

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Thats what Smile told me! So they bounced my cheque, charged me £25 for doing it and the company who I paid the cheque to charged me also for it being bounced. Smile told me that I had written the number on the back. I told them that I hadn't. When that was proved that I hadn't written it they then told me about this 3 day rule!!!

 

I once had a cheque bounced before when they said I wrote the number on the back which I didn't, it was guaranteed and they didn't honour it.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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  • 4 weeks later...

Congratulations kezzakezza......a nice speedy result..:D

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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I started my claim mid April and went from there really. I sent them an LBA with my statement. They sent me a letter saying it was a complaint, go through the usual channels. I replied through the secure messages that I was taking them to court. I had been up to my eyeballs in work so I didnt get to send the N1. I was going to do it this weekend when I received the letter yesterday stating that they were refunding my cash.

 

Go for it - you have nothing to lose and loads to gain!!

 

Now for Lloyds TSB ..................

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