Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
        • Like

MBNA - Still Trying


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5809 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just made a nice recording of MBNA arranging for a partner company to call me with a view to sorting out a secured loan on the property to clear my credit card debt.

 

This is despite being told the property being my wife's, (and always has been, she would need to sign). I also pointed out that I have a large C/C balance with them which is in serious default at the moment. He didn't think it would be a problem.

 

So, I am going to get my wife to take out a secured loan, to clear my 10k C/C balance, which is in default on a cr*p unenforceable agreement.

 

Oh really?

 

David

 

PS: Is it worth sending a copy of the tape to the OFT?

Link to post
Share on other sites

DEFINITELY! It is a total breach of OFT Guidelines. They don't deal with individual complaints but they will add it to MBNA's complaints file. Every now and then they rise up and slap offenders on the kisser and it's only a matter of time before one of these big institutions loses its consumer credit licence. I've got the champagne on ice ready for that day!

Link to post
Share on other sites

Yeah, think I will.

 

OFT wrote to me out of the blue recently, (with a consent form which means they can raise the matter with them), about 3 months after I copied them with the garbage I had got from MBNA re a Section 78.

 

Nuisance is, I only just got myself out of the 'WTF do you want' mode in time, could have strung him along further.

 

David

Link to post
Share on other sites

Please please report them to the OFT and everyone else, i'm not allowed to say what i think of them on here!!!

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

Link to post
Share on other sites

Just made a nice recording of MBNA arranging for a partner company to call me with a view to sorting out a secured loan on the property to clear my credit card debt.

 

This is despite being told the property being my wife's, (and always has been, she would need to sign). I also pointed out that I have a large C/C balance with them which is in serious default at the moment. He didn't think it would be a problem.

 

So, I am going to get my wife to take out a secured loan, to clear my 10k C/C balance, which is in default on a cr*p unenforceable agreement.

 

Oh really?

 

David

 

PS: Is it worth sending a copy of the tape to the OFT?

 

Cashins, Is there anyway you could edit out the bits that could identify you and post it up on here for us all to have a listen?

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

Hold up,

I'm helping a friend with Abbey/MBNA at the moment.

Guess what the first thing they told her to do was? And it was phone only.

I did an SAR for her and they included the details about advising her to get a loan.

OFT here we come.

Link to post
Share on other sites

Attached is a transcript of the call.

 

Got a big headache, my heart goes out to audio typists everywhere!!!

 

You will note that I told a bit of a porky, (our house), to keep it running. In fact, I have never had a financial interest in this property or any other for 6 years now.

 

David

 

PS - I am fairly certain the company name in question is First Union, although the 2nd word was a little fuzzy on the tape.

Teltransedit..doc

Link to post
Share on other sites

I must admit that I have lain in wait for them on this one.

 

This is not the 1st call on the subject, just the 1st that I have recorded.

 

No doubt the will come out with the usual guff about over zealous staff, will address training issues, etc. However I will send it along with the 3 written offers that have been sent over the last 6 months, all while the account was on a payment plan, or as now, no payments being sent at all. This should give evidence of a pattern of offences which is harder to deny.

 

Does anyone have an address for Chester TS, as my local office is worse than useless?

 

David

Link to post
Share on other sites

Complaint & evidence sent to Cheshire TS, copied to OFT, today.

 

As a matter of interest, FOS is still following up on my complaint to them regarding the illegible CCA that MBNA sent me. It's now at the adjudication stage.

 

We shall see.

 

David

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...