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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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hi im new to this and looking for a bit of advice. i have been with the yorkshire bank for sometime and they must have had a small fortune out of me in bank charges. i would be greatfull if some1 could help me get some of it bank.

 

thanks

 

marc

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Hiya Marc, You're in the right place to get your charges back! The first thing to do is read the FAQ's and have a read around the other posts, it'll give you an idea of what to expect for a start. There's also a very helpful step by step guide. It's a good idea to spend a few days doing this to take it all in. Once your ready to begin the fight give us a shout - we're all here to help!

 

Best of luck

 

PJ

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Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. Also visit legal seagulls for more friendly help and advice.

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Good advice from PJ there Marc. Let us know how you get on.

 

Oh and welcome and good luck by the way.:-)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks guys. have already been reading around. just finished reading your post pj just wondering how you were getting on. also has any1 ever made a successful claim from yorkshire bank??

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I'm just in the process of filling in my Allocation Questionnaire at the moment Marc. I don't know, myself, if anyone's been successful in their claim with YB on this site, but I don't think so as I haven't come across anything in the litigation concluded section. It does look like they're really making us fight our corner though! Don't worry though, it's a bit daunting [for me anyway ;)], but we'll get there!!

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. Also visit legal seagulls for more friendly help and advice.

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There may be no record on here of YB paying out yet (they probably have though), but their solicitors will be well aware of what is going on elsewhere. It looks like they are making it as long and drawn out as possible to get your money back, but I still don't think they are any more likely to actually defend the case than any other bank.

 

Just remember if they do they will have to disclose how their charges are worked out - chancing the possibility of opening the floodgates to thousands if not millions of claims. Seeing as YB charge a daily amount as well as the penalty they are even less likely to want to do this than any other bank!

 

If they do, well the admin on here will help prepare a case (being the superstars that they are) that will leave them crying into their money mountains. I've got a few choice questions about certain parts of my claim that will get their solicitor grasping for an answer.

 

Don't give up, keep going no matter what they say or how they try to fob you off, and remember we are all here to help.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Just to reassure everyone Yorkshire Bank where probably one of the first banks to actually suffer defeat I refer to the case of Laura Saunders v. Yorkshire Bank (2005)

Guardian Unlimited | The Guardian | Can Bob fix it? For Laura, he can

 

I have just submitted my Allocation Questionnaire and will be awaiting their demise

 

Just don't give up hope

 

Geoff

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Thanks for that Geoff. That is real encouragement for those of us that YB are trying to intimidate at the moment.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hi again thats for all the advice in the post!! just another quick question yb charge 8 pound a day for being over my overdraft am i able to claim that back aswell

 

 

thanks again

 

marc

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You claim for the £8 per day unauthorised o/d charges, the £20 [is it per month] in addition to that, any unautorised fees, unpaid cheque fees etc. Basically, any charges they've made to your account, which you haven't agreed as part of a service. Hope this helps

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. Also visit legal seagulls for more friendly help and advice.

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