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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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can hsbc close my credit card even when im in credit and pay payments?


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i have just recieved a letter from hsbc gold card to say they have closed my account ....i pay my monthly payments and and within 3 thousand of my limit , i tried to speak to someone but keep being put through to the phillapines (minilla) and basically they cant understand me dont know what a cca is and basically have no idea why ??????? aghhhhh how am i supost to get answers , when i finally got a uk number and spoke to someone who understood me they put me on hold and yes i ended up speaking to someone in the phillapines............. now what

 

any advice welcome

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Unfortunately, HSBC are within their right to close your account any time they want. They did this to my OH and didn't give an explanation. It might be due to you not using the card enough or some other silly excuse. Alot of banks and credit card companies are closing peoples accounts. Egg card customers were shocked to have their accounts withdrawn even when they were very good customers.

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With my OH's account, he is just paying back the minimum each month until it all gets repaid. They never asked for him to pay off the whole balance in one hit.

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A prudent question is one-half of wisdom.

 

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What they will hopefully do is simply remove the facility of the card and you will have to pay off the balance as you have been doing. They don't usually ask for the balance to be paid in full unless you have defaulted on many occasions and there are arrears on the account.

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