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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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becky v rbs


becky75
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  • 1 month later...

arrrgh!

 

I've heard nothing from the bank and now they have send another letter to the court requesting that they get a charging order put on me !

 

the court date is on tues 2nd which once again is v inconvenient ...............still no statement of account!

 

it also says on court letter that I accpeted liability - which I didnt because I had a debt management company working for me at that time so wether or not they did is another matter!

 

another thing- i topped up my loan via fax because i didnt live near branch holding account - i wonder how many times i did sign the original exactly ?

 

any thoughts ?

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aaaaaaaaaaand! they have charged me £75.00 to take me to court!!!! interest still adding up !!!!

 

can i write a letter to the court to ask them to give me a bit more time at all ? or at least let them know how 'rubbish' their timing is ?

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If and when you have to go to court ask the judge to stay the proceedings until RBS have complied with your subject access request, when you do get the info check and see if your accounts are being handled by CMS Telford and if any of the documents contain information about Router Accounts.

 

sparkie

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If they don't comply with your SAR or request for further information they would be foolish to turn up to court.

 

I would advise the court and the other side that failure to comply with your requests will result in a stay or adjournment.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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  • 2 months later...

Since my last thread the courts wrote and said that I can continue to pay the amount as agreed in the ccj and that there would be no security against the property.

 

I have not received any paperwork requested from RBS.

 

Today I received a letter from Regal Credit ? asking for what looks like the original amount outstanding from RBS and they will take further action against me otherwise blah blah blah !

 

So do I take it RBS is still after me or are they passing it on? also if i'm paying RBS how will this other company know ?

couled it be the case that they dont have the original paperwork for the credit agreements ? something seems a bit 'fishy' to me !

 

all ideas appreciated x

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Sounds like RBS are attempting to get a DCA to collect on the debt in full.

 

Thats a bit stupid of them if a county court has said for you to continue to pay the amount listed in a ccj.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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I'm sorry to say, this is another clear example of the RBS, they have so many internal departments, they haven't a clue whats going on.They do enjoy bullying people.

 

Here's what you do.

Write an official letter of complaint, addressed to

The Complaints Manager

Kendal Court

Ironmasters Way

Telford

TF3 4DT

 

Don't hold back. Don't even be polite. Just because you are indebted to the RBS, they have absolutely no right to treat you this way.

You are complying with the court judgement. Your paying back the money. They are not treating you "fairly".

Copy Regal Credit, & threaten them with a claim against them for the distress they have caused.

They have 8 weeks to respond, & sort this out. If they don't, then you can pass your complaint to the FO.

 

Debs

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  • 1 month later...

Hi all !

since ur great advice last time I have written a letter of complaint to rbs and a very 'nice' letter keeps coming every 2 weeks saying thanks for your complaint we are looking iin to it blah ! blah!

 

Regal Credit had a letter too telling them that they are 'bugging' me and to leave me alone cause i'm delaing with the bank - they wrote back thanking me for my correspondance and what will I be offering regal cause I hadn't said to they will still be persuing me !!!!!!!

 

what u reackon ? anaother complaint to RBS ?

 

all suggestions recieved with thanx z

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The more complaints to RBS the better but make sure all are copied to the FOS, ICO, OFT, FSA and Trading Standards. The more statutory bodies learn about RBS then hopefully the sooner they will get hit with a large or very large penalty fine by the FSA.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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