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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 
      • 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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Hubby and me Vs Aquacard


alibobsy
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Both hubby and I have Aquacards so I went through the statements, listed all the charges and sent off prelim letters on 22/05.

My card

Originally asked for £80 of charges, but had no reply at all. Second letter on 21/06 asking for the now higher number of charges of £120. Still no reply.

then I got a letter saying they intended to default on my account unless i paid £70 by the end of the month. I had already spoke to someone and explainned I had had a problem with pay at work (long story I was overpaid whilst training full time then went part time so no pay for 2 months whilst they recover it) and agreed a payment plan which I had stuck to.

Sent a third demanding letter to them on 21/06, asked for £120 and removal of default imediately plus I restated my offer. Gave them 14 days to reply.Wait and see now.

Hubbies card

Original letter on 22/05 asking for £100 charges, "fob you off" letter withing days by reply. Second letter on 10/06 asking for the new amount of £140. Hubbies card paid up and under limit now so no further charges hopefully.

Letter rec offering half the payments and a slip to sign, simular to the monument slip hubby had effectively signing you rights to claim any other charges on any Halifax accounts. Just preparing our reply now.

Ali

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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  • 1 month later...

My card

Still refusing to budge, made a "goodwill" payment of £40 against the account then whilst I was away on hols (even tho I had been in contact with them about my account and advised them I regarded the overlimit amount as "under dispute") they defaulted me and asked for the card back. To be honest I am quite happy to close the card down, far to expensive int rate. Cut it up and returned it with letter complaining about their actions combined with an LBA for the charges left on the account. I also inserted the bit about removing the default as well-as per the template. Will await their reply.

Hubbies card

letter whilst we were on hols with full refund of £120, hurrah. Unfortunately this just brings his account up to date and just under the limit so can't make a donation out of this refund. Just preparing the biggy now against the rbos current account defo do a donation when that comes in lol. Mods you do a great job we all really appreciate this site.

alibobs

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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Share on other sites

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