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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 
      • 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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We now own Northern Rock. Can anyone think of a good reason why we can't change the name and keep it as a national bank? A fair bank that earns a fair wage and does the best for its customers. :eek::eek::eek: Don't other countries have national banks? I was under the impression they did, but don't know much about it.

What sort of world do you want your kids to grow up in?

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We now own Northern Rock. Can anyone think of a good reason why we can't change the name and keep it as a national bank? A fair bank that earns a fair wage and does the best for its customers.

 

I can think of one good reason.... Gordon Brown :cool: I have a feeling Northern Rock could turn into Northern Millstone

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So in all seriousness there is no 'good' reason? I know when people are being well and truly rogered, but i'm no great economist. I just wondered what views people had. Isn't this a good idea for a campaign then? 'Keep Northern Rock!' Maybe call it the U.K. Bank or something?

What sort of world do you want your kids to grow up in?

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  • 2 months later...

BUMP.

 

What do the banks do for us apart from rip us off. Not much really. I say again that we need a national bank and people can vote with their feet. We completely own Northern Rock now and need to keep it. In my eyes, money is pretty simple stuff. Banks just imagine new and wonderful ways to roger us hard. I thought industries were privatised for progress and competition. I don't see much of either. I mean what goes on in the Research and Development department of a bank... How can we fleece these poor people a little bit more? That's my guess. We need to press our government on this. We need a Charter For Fair Banking. The government has to set the parameters. Banks should make money by having our money, NOT by charging us for fun. They don't have a God given right to make billions! We keep saying 'The Banks', 'The Banks', 'The Banks' when we talk about them. Well, I say we don't need 'The Banks'. I say it is my right as a citizen of this country to be able to access fair banking! Well, why the **** can't I? There is no reason why an industry has to be completely privatised or nationalised. We need a national bank and comprehensive regulation which will force the private banks to be competitive and play fair.

 

Proposed CAG Charter.

 

Unpaid Direct Debit - VERY LOW CHARGE. A polite letter should be sent out informing the customer that this has occurred. The charge should only apply after the second attempt to take the debit by a company has failed. My father once got fined £70 (2 x £35) for one 'smallish' direct debit in the space of a week. That was more money than the diect debit was for! WTF.

 

Overdraft - NO CHARGE. (Rate of interest charged limited by the government) A customer should have the right to refuse an unauthorised overdraft. Overdraft limit should only be increased by mail or in person at a bank. A special exception could be made for people requesting the ability to up their overdraft limits by phone or at the banks discretion. This should be by mail at least 7 days after an account has been opened.

 

Unpaid Cheque - VERY LOW CHARGE.

 

Credit Card Late Payment - NO CHARGE. As long as the interest is ticking they are doing well. If no payment is received for 2 months a polite letter should be sent asking them to contact them.

 

Credit Card Over Limit - NO CHARGE. A higher rate of interest could be charged (on the excess money only) limited by the government. Limits should only be increased at the customer's request! It could be ok for them to write and offer more credit, but this should only be available by completing a form and mailing it back. A customer should have the right to refuse a buffer zone over their credit limit when the card is taken out.

 

The same principles should be applied to loans.

 

That's just a few things I can think of at the 'drop of a hat'. As well as fighting the injustice of charges, we also need to demand what we think is fair! Let's create a CAG Charter and not rest till we get it. All that is happening, in my humble view, is that we are making talentless, brainless, arseholes rich. They then think they are smart and important people and seek more fame by humping us some more. Yeah, great... I DON'T THINK SO!

 

P.S. I don't think this makes me a great socialist!!! Am I bonkers or something? It all seems quite straightforward to me.

What sort of world do you want your kids to grow up in?

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  • 3 weeks later...

As with many great plans there is a flaw....

 

Because the govt have bailed NR out, the bank cant offer products which are more competitive than any other banks in the uk (basically it cant increase its market share). This is because of state aid legislation from the EU.

 

Otherwise I think its a great plan - we could have used NR to start lending mortgages to people again.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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We now own Northern Rock. Can anyone think of a good reason why we can't change the name and keep it as a national bank? A fair bank that earns a fair wage and does the best for its customers. :eek::eek::eek: Don't other countries have national banks? I was under the impression they did, but don't know much about it.

 

What about NS&I? That's state owned and offers savings and investments like banks.

 

Don't forget we also own bradford and bingley and have shares in others too.

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As with many great plans there is a flaw....

 

Because the govt have bailed NR out, the bank cant offer products which are more competitive than any other banks in the uk (basically it cant increase its market share). This is because of state aid legislation from the EU.

 

Otherwise I think its a great plan - we could have used NR to start lending mortgages to people again.

 

Not too sure about that now, my mortgage is with bradford and bingley and with all the rate cuts my mortgage is far more competitive than those on fixed rate deals or tracker deals that will not fall below 4 or 3% because of the clause put in by the likes of Nationwide.

 

So my state owned mortgage is more competitive than many others in the private sector!:)

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Guest symbio-dek

That was a fantastic rant renegotiation . . .

Brought a tear to my eye . . . My hero :D

 

Dunno about that stuff about banks though . . .;)

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Actually if the government use what they have (and get around the EU legislation) it could work in their favour... we have no council houses anymore because they have been sold off so why not council mortgages issued from the banks the government now are major shareholders in?

 

just a thought :rolleyes:

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Not too sure about that now, my mortgage is with bradford and bingley and with all the rate cuts my mortgage is far more competitive than those on fixed rate deals or tracker deals that will not fall below 4 or 3% because of the clause put in by the likes of Nationwide.

 

So my state owned mortgage is more competitive than many others in the private sector!:)

 

Their products can be more competitive as long as B&B dont increase their overall market share - as soon as that happens they will have to pull their mortgage range and offer something worse.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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