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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Bank of Scotland charges advice please


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This is my 1st post and looking for some advice I got a letter from my bank (BOS) last week stating that because I didn't have enough money in my account to cover a £5.96 Direct Debit that I was being charged £39.00 (I had £3.48 in my account).

 

So I went straight round to the bank and spoke to an adviser who looked back on my account and told me that it was something called a staggered DD and that as it was my 1st time getting a charge she would get it waived, I was happy with that but asked if I could get that in writing which she said I couldn't.

 

So this morning I checked my account and to my anger they haven't waived it at all and now I have no money in my account as it's my disability benefit and my wifes carers allowance that goes into that account and we don't get those until a Monday and Tuesday so now i'm another £38.08 in the red and will no doubt get another charge put on.

 

Needless to say i've cancelled the direct debit but now i'm upset at them saying they would cancel the charge and now they've incurred me another charge by going against their word.

 

Can anyone please advise me on what I should do.

 

Thanks

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Hiya Jim,

 

Firstly, welcome to CAG. :)

 

Ok, why dont you phone them and explain you were informed at your local branch, the charge was to be waived. And tell them what you have just told us. They might sort it out for you, and it is worth a try.

 

If not then we can help you.

They are not allowed to take the money from your account if it is benefits which are in there.

 

For future reference here is a letter you send them as soon as you know there is a charge due out.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

Fill it in with your own details.

 

Let us know how you get on. ;)

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Hi Sea-Sidelady,

 

Thanks for your reply and advice on this matter, well I went to my local branch of the BOS this morning as it's just around the corner from my house and spoke to someone else and she appologised as she didn't understand why the other person hadn't put it through to waive my charge.

 

The good news is that she waived the charge immediately and the money was back in my account within minutes.

 

I also asked her if due to me not having anough in the account when the charge got put on will I incurr any charges on it and she told me that if I do to go back and see her immediately.

 

Once again thank you.

 

Jim

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That is fantastic news. Im really pleased for you.

 

And so they should!!!:rolleyes:

 

Any more problems you know where we are. :D

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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