Hi, I wish for some advice on my issue please. On the 24th of Oct this year I purchased a BMW from a second hand car dealer. The car is a 64 plate, just over 2 years old. I purchased this car on the premise that it had many options on the car. I paid for the car before picking it up some on cc, some by transfer and also a trade in under the assumption that I would be protected on my purchase. On the drive home (3 hour journey) I noticed that some of the options listed in the advert were not present on the car. I checked the car more thoroughly and noticed that the tyres were in a bad way (advert stated tyres in excellent condition) and that the car needs a service within 600 miles. I contacted the garage the following day, they basically hung up on me. This carried on for a few days. On the 27th of oct I put my complaint into my cc under section 75. The cc dispute department responded on the 21st Nov. After several emails back and forth, me proving the tyres are dangerous with a report from Kwik fit and pictures, scanning the original advert and forwarding the spec sheet for my car from bmw to them, the cc disputes department claim no responsibility as I accepted the car when I collected it? Is this correct? The advert claimed to have options that the car does not have: reversing camera Soft closing doors auto dimming and folding mirrors lane change warning system along with the car needing a service and the tyres needing replacement. Am I to accept my CC disputes judgement that the dealer has no liability because on their website (I saw the add on AT) their T&Cs state that cars may not be as advertised? Also that because I collected the car, I should of checked the car over first thus I have no claim? Thanks in advance for any advice given

Hi, I gave a cheque to my landlord from my Yorkshire Bank account, I had expected funds in on the Wednesday to my account but the funds turned out to be paid into a different account, I had asked for them to be paid into my Yorkshire. My landlord contacted me informing me that the cheque had been bounced, I then checked my Yorkshire account to find no money then checked the old account and the funds were in there. I then arranged to make a Faster Payment to my landlord to settle the amount and thought no more of it. I have been into the branch to see if they will waive the £35 charge, scandalous... anyway, she said she would wave ONE of the charges. It appeared that they had REPRESENTED the cheque, my landlord certainly hasn't!!! What I am asking is, can I fight them on the second charge anyway as I hadn't been informed they intend to represent the cheque. I have looked at the terms and conditions of my account and I see no mention of them representing cheques, I assumed that if it was declined then the the Payee would need to take up the matter with me or re deposit the cheque!!! I'm fuming, ripped my cheque book up and threw over the branch! Any ideas??? Thanks in advance Stopthethieves