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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
      • 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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Timmrichards v A&L

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Afternoon all


I've been reading up on all of this, in the last two months due partly to my employer paying my bonus late A&L have charged me £778 in unauthorised overdraft and default Direct Debit Payments. I've sent them a letter saying that I believe their charges to be punitive and stating that my wages currently pay for 4 people, myself, my wife and two young daughters and the amount of money they've charged me will cause a cycle of debt, which is true I've paid them half a months wages after tax in charges. I have called them on three seperate occasions notifying them that I'm in difficulty and could they increase my overdraft by a small amount to avoid these charges, each time I have had the response "no" I do not fall into their correct credit-scoring system or some such rot.


I've asked in the letter that they respond in seven days and am yet to receive any response, the letter was posted at the beginning of last week. Can someone talk me through what to do now? Also is the fact that I have gone to them to discuss the issues and they have refused to help going to be in my favour?


Forgot to add that I bank online so don't receive statements from them, can they still charge me for sending out statements or can I argue that I should be able to access all of my statements online? (even though they only allow me to see 10 months worth)

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Several things jump to mind while reading your post:

First, welcome to the forum, you are definitely on friendly ground here.


Second, it's a shame you had to try throwing yourself on A&L's mercy - they don't have any!


Third, how long have you been with them, cos I bank online too but still get statements through the door. However, they have several tiers of current account, so maybe we differ on this.

Fourth, are you just wanting to claim for these past few months? You are entitled to claim for the last 6 years you know.

Now to get down to brass tacks, you ask someone to talk you through what to do next.

I think your best bet would be to read the FAQ's and some of the earlier threads, especially those who have been successful in their claims - reading round you'll see who they are.

Once you've decided how you want to proceed, if you're still unsure where to start, then by all means post again.

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