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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
      • 160 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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My case V's Bank of Scotland


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Here is my case so far regarding BofS

 

Asked for back dated statements personally at my local branch and recieved them about 3 weeks later.

 

In my 2 accounts the charges are over £3000 so I sent my prelim approach letter asking for the 1st batch of charges(keeping it under £750) back and an offer of £185 as a goodwill gesture was made from them.

 

So I sent out my LBA (recorded delivery)which I made from the Govan Law centre on the 29thJune stating if I do not hear from them in that time I will raise an action in my local court.

 

Called BofS today 7th July just make sure they got the letter and she said It only reached their dept on the 6th July said she THINKS it reached the BofS on the 4th and said they have 4/5 working days to reply and if I wasnt happy I was more than welcome to go ahead and start legal action....

 

Im just wondering would it be better for me to wait and see what they have to say in regards to the LBA or start legal action as they failed to reply in the time I gave them.

 

many thanks

 

Steven....

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I would go by the advice that is handed out by all the seasoned campaigners on here - stick to your own timetable and not the banks. Give an inch and they will take a mile.

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

 

http://www.financial-ombudsman.org.uk/faq/bankcharges-quickguide.pdf

 

 

"Fight the good fight, finish the course and keep the faith"

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As far as I'm aware, if you sent it recorded delivery, and you know when it was received then you have proof that you should stick to your timetable.

 

BoS have claimed they received my letter later than they did, I don't care, PO delivered it, it was there, my date wins.

BoS:- D P A sent 09/06 Prelim. request 29/06 £1755 plus interest

1st claim Filed 5/10/06 SETTLED 19/10 £747.80 plus £534.31 interest

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Think of it this way:

 

Recored 1st Class post would get a letter to them the next day, if they were keen to resolve your complaint & refund all of your charges, they'd ensure that the relevant department had a copy of your letter ASAP - be it by Fax, Courier or Smoke Signal!

 

It's THEIR choice to drag it out as long as possible, in the hope that you'll get bored & go away!

 

The only way that these bandits understand, is Court action!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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  • 2 weeks later...

Received a letter today from BoS redress assessor Increasing their offer from £185 to £555 (6 months charges) as they state, in an attempt to reach an amicable solution to my complaint. This is of course a full and final settlement to all my accounts regardin BoS.

 

Not bad considering they have taken over £3000. They say they are keen to resolve this matter and to let them know if there is anything they can do to put matters right.

 

Giving me MY other £2500 back might be a start....

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LOL Stevejr147, you go for it ..... sounds like you have everything under control I wish you well in recovering all your losses.

 

T

I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.

 

HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06

 

HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06

 

HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06

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Quick question!!

 

My Ex ran up a big over draft on this account im claiming back the charges for, Im in the middle of arguing thins over between lawyers.

 

My question is, when the bank finally admit they are at fault and refund you your money bank, will they pay it direct into the account and I end up paying her bill or can u get another method of payment from them?

 

Many thanks

 

Steven...

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If the account is still live, they'll most likely pay the refund back into the same account they came out of.

 

You could always ask them to pay them into a different account, or send you a cheque (once you've got to that stage of course!), but I don't think they're under any obligation to do this...

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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