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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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A&L bumper pack


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Just got home to find that alliance and leicester have finally delivered me a bumper pack of my bank accounts past transactions. It's mind blowing! I'm about to sit down and have a proper look at it now, but my first impression was 'what the hell am I going to do with this lot?'

 

Any tips in translating these statements would be appreciated, but really I just wanted to post a thread to say Hi - and i love this whole idea of consumers taking back what is theirs. Its about time we stood up to the rip off merchants!

 

Janei

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Hi and welcome to the forum :)

 

As for deciphering statements, I can't say I know what A&L's look like but a highlighter pen is a must....I tell you, you'll never get fed up of seeing a bank charge when you are doing this!!

 

If you start a thread in the A&L section I'm sure there will be lots of encouragement and support for you.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Hi Dolly

 

Thanks for your advice. I've only just picked this mail today, so i sussed the highlighter pen thing myself - and I was delighted every time I saw another of those chrages!

 

I got a letter yesterday from A&L saying that there was no way that their charges were unlawful and that the oft rules only applied to credit cards?

 

I thought great, not only am i going to do you for the bank charges now i have a written statement from them that I can use when I do them for all those horrible credit card fees they've had from me time and time again!

 

Nice one for replying to my thread - are you going through any processes to get money back?

 

Let me know

 

Janei

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Yeah I know what you mean. I am currently claiming back my brother's charges from A&L - the bundle they sent is absolutely massive. It must be 500 plus pages of A4.

 

Went through it last week. Best of luck with yours :)

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I made the mistake of pouring a large glass of red wine to help me through the process which stifled a bit. I got it into my head that it was a lot more complicated than it was, but it was easy when i got going.

 

I must say though i got some statements through from lloyds tsb theother day regarding another account I have and it is a lot more user freindly to decipher.

 

Good luck!!

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Hi

 

I used the data protection act template letter in the section that has all the bank template letters. It is the 1 that you have to send the £10 cheque with (which I was sort of hoping was going to bounce so I could get more money out of them)

 

I hope this description helps.

 

Today I got the final letter off them before I start my claim against them. Wass wanting to get on with it straight away but my 2 little boys weren't about to give me any peace and quiet to concentrate on all those claim forms. I'll probably do it at the weekend.

 

Bring it on!!! and good luck to you

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