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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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regal credit demand

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My son is travelling around the world, and has been out of UK for 4 years. His grandparents have received a notice addressed to him from regal credit demanding immediate settlement of a debt to Barclays Bank of 381.87.

My son had an account with Barclays bank 4 years ago, but closed it and transferred his funds to another bank.

This is the first demand received, my son's present uk bank has his grandparent's address.

I contacted my son, and he denies all knowledge of any debt outstanding with Barclays - what is the best way to proceed? I am unable to contact my son again for another week as he is out of range in New Zealand.

I would be grateful for any advice.

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Hi and welcome to CAG


Does the account number match with your sons account with them?If it does then I would suggest that your son sends a S.A.R data request from Barclays on the account. This has a fee payably of £10 the S.A.R can be found here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

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It's actually an offence to open someone else's mail (but I wouldn't worry about that in this matter). Any post addressed to your son at your grandparents address I would just advise that they write on it NOT KNOWN AT THIS ADDRESS. Eventually they'll get the message.






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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Hi - my son has no idea what his bank account number was - should I send the subject access letter with just his name and details? - as to what his grandparents should do - well they open his mail at his request - but it is only his current bank who have their address - and they share his name. I am concerned they are will be badgered by the regal credit.

My son has no debts to his knowledge in UK - but he doesnt want to get a bad credit rating in case he ever returns to UK in the future.

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Hi, not sure the correct way to post replies, but thanks for your quick reply. My son has no idea what his account number was 4 years ago, he has been living abroad for 4 years and of course has not got paperwork anymore. should he send that SAR with just his name and old address?


In reply to Rory, his grandparents have his permission to open letters, but only his current uk bank have their address. I am concerned that they will be badgered into paying this debt for him. He doesnt want to lose his credit rating in Uk in case he returns there. As far as he is aware there is no debt outstanding in UK.

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