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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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Alliance and Leicester... grrrrrrrrr...

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I'm having a nightmare with Alliance and Leicester at the moment. Way, way back in August, I moved house, and kept the deposit for the house (and a little extra) in my Alliance and Leicester Premier Direct account until I needed to pay the deposit. (we had trouble withdrawing the money, but that's another story...)


Once I'd moved into my new house, I was without internet for a number of weeks, as there was no phone line in the house. I went food shopping just after we moved in, and paid with my A&L debit card. I was pretty sure that there was enough in there, but there wasn't, I was £6 short, with no overdraft. Nethertheless, the payment went through, and I was none-the-wiser until I finally had a chance to check my account 2 weeks later. Given the trouble I was about to experience, I wish that A&L had just rejected the payment, as I could have paid using my other bank account, or even on a credit card.


I paid some money in as soon as I found out I was overdrawn, to bring myself back into the black.


A month later, I was charged £50 for going overdrawn. This sent me into a negative balance again, but I could not afford to pay in immediately, so I brought myself back into the black when I got paid about a week later.


So I was charged another £50 the following month, which sent me into the red again. I paid £50 back into the account to get myself back into the black, but by this time couldn't afford to pay yet another £50 to cover the charges for the following month. I contacted A&L by phone, and got through to a thoroughly unhelpful, unsympathetic and robotic girl, who started bleating about terms and conditions. I explained that going overdrawn was a genuine mistake, and that at the end of the day, it was only by £6, for which, so far, I had paid £100 in charges (bear in mind that A&L have a £5 'buffer', so the charges were for the sake of £1.


Getting nowhere with trying to stop the next month's charges being applied, I asked her to close the account down. She said she couldn't, as there were charges pending on the account. I told her I couldn't afford the charges, but she insisted that the account could not be closed. I asked if I could make a payment over the phone into my account (I was prepared to forego food for the rest of the month), but she said that I couldn't, and had to pay in at a branch. Not ideal since I can't get to the branch during working hours.


The following month, I was charged another £50. I couldn't afford to get into the red this time, as the charges were taking their toll on my cashflow. When I finally did get paid, I paid in £100 - £50 to bring me back into the black, and £50 to cover the following month's charges.


Today, my partner (it's a joint account) managed to go into a branch and ask for the account to be closed, beleiving that there was no outsanding balance. We haven't used the account for some time, and received a '£5 charge for low use' letter last week.


She was shocked to discover that she was not allowed to close the account, as the account was £50 overdrawn! Due to the fact that the terms and conditions have been changed, we were charged £100 in unauthorised overdraft charges in a single month!!! To make matters worse, the account had been overdrawn for 10 days (we hadn't checked the account as we were pretty certain it was in credit, and wasn't being used), so we had already incurred another £50 of charges which hadn't been applied.


My partner rang the branch hotline, as the branch staff have no visibility of the accounts. She got through to a really obnoxious, unsympathetic and smug guy who told her that it's in the terms and conditions and it was all my partner's fault for not being able to manage her money.


We still can't get the account closed. All the while, we are incurring £5 a day for being overdrawn without an overdraft. A&L can't tell us how much they have to pay to close our account, because to be honest, I don't think they can work it out.


I don't know how much I have to pay in to be able to close the account, which is quite surprising since I am pretty good at maths and managing money.


The branch staff were much more sympathetic, but there was nothing I could do.


So, for the sake of £6, I have so far been charged £250, with another £50 waiting to be applied.


I really don't know what to do. Every time I try to get my account closed, the goalposts are moved. Now that the new £5 a day charge scheme is in effect (aka the constantly moving goalposts), I really am lost.


In addition, I am pretty sure I was not sent a message informing me of the £100 in charges...

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Hi and welcome


Have a read of the following links








These will start you on your way to claiming your charges back from the Bank :)


If you need any other help just post here and someone will answer :)


Hope this helps


saint :)

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You have my sympathy Tony, A&L have proved themselves IMHO almost as flexible and sympathetic as the Gestapo. They've been ignoring a complaint of mine for five months now, over a £77 direct debit which started a chain reaction of charges like yours that has now reached over a grand. I've filed a claim against them but they have their fingers in their ears going "lalalalala" and I am at my wits end :-(


Hope you have better luck


I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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