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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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post dated cheques


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can anyone help me out? my bank have cashed a post dated cheque that i wrote for the end of june, i did have the funds available in a separate account, but was not planning on transferring them until the end of month. they now claim i have to pay £88 in bank charges. can anyone advise me if they were right to pay the company who represented the cheque as i keep being told the date is for reference only??

many thanks

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the bank DO NOT look at dates on cheques under 10,000 pounds except under certain circumstances. THey will also claim that you should not write a postdated cheque and that the bank reserves the right to pay or return the cheque. So, i would say to read the FAQ's and claim back all the charges you have with them

I came I saw I helped. I could do no more.

 

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The date on the cheque is the date under the technical term of law the date your authority given to the Bank to pay a said amount of money comes into force , ie your authoristaion is only valid on and after that date.

 

As per any agreement/contract and .......that is what a cheque is.

The same as any agreement/contract/licence .

 

see below sparkie

 

IN THE HIGH COURT OF JUSTICE

QUEENS BENCH DIVISION

COMMERCIAL COURT

Royal Courts of Justice

Strand, London, WC2A 2LL

Date: 5/7/2004

Before :

THE HONOURABLE MR JUSTICE COLMAN

- - - - - - - - - - - - - - - - - - - - -

Between :

 

Hosni Tayeb

Claimant

- and -

(1) Hsbc Bank Plc

(2) Al Foursan International Company

Defendant

98. Those observations, when read in context, were directed to circumstances where a bank has already discharged its customers debt to a third party, but without the authority of its customer, and faces a claim from the customer for re-payment of the sum paid without authorisation. That is a fundamentally different case from one where, as here, the bank has without authority made a repayment to its customers debtor, thus leaving the customer with a claim against the bank and a claim against the debtor. In such a case it is open to the customer to elect whether to sue the bank or the debtor. If he chooses to sue the bank, the existence of an alternative claim against the debtor which has not been pursued does not give rise to any question of unjust enrichment.

Accordingly, the Claimant is entitled to judgment in debt in the sum of 944,114.23 with interest from 21st September 2000.

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