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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
      • 162 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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£2400 unauthorised overdraft with RBS, need Natwest advice


TheAnalyst
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I'm currently over £2400 overdrawn (virtually all charges) with RBS however I estimate they have taken in total over the last 6 years over £3000 off me in charges.

 

I'm currently with their "customer lending centre" (debt managemen team) and really am at the final stages before they get the debt collectors on to me, I made a couple of their totally unrealistic repayments but just could not keep them up and ive been ignoring it since then, all they would offer me is a loan to pay it off, £2500 paid back over 5 years with some crazy interest rate so I end up paying back over £5000!!!!

 

Thank goodness I found this site!

I have sent them the DPA request so I can get an exact amount that they have milked off me over the years and in the meantime I sucsessfully applied for a Natwest STEP account (nice solo card but no nasty overdraft facilities)

 

I have been reading here that RBS actually own Natwest and am now rather worried that they will find out about my Natwest account and close that as well as my RBS account (which I fully expect them to do in the event of me getting all my charges back)

 

Could this happen? and also how will it work if I get all my charges back.... will RBS just pay off my overdraft with it and send me any more in a cheque?

 

Thanks for any advice.

 

P.S I had no problems getting a STEP account from Natwest and my credit history is seriously shocking so dont be put off, there is still hope for some of us.

Completed:

RBOS Charges - £2435 settled in full :)

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Ongoing:

N Hunter SAR

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It would be very unlikely that a NW account would close because of RBS. But I only have a gut feeling for this view.

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From my experience this would be unlikely. However having taken advice from my Debt Management Team I was advised to change my bank account from the Nationwide to a bank which was "unrealated" to any of our creditors. The reason for this is, as they expalined, was that the creditors could if they so wish withdraw funds from a "related account".

 

In other words if I were £1000 in credit in say a nationwide account and I also defaulted on a £1000 loan which I also had with the Nationwide they would be able to pay off the loan themselves by withdrawing the £1000 from the current account without my knowledge or authorisation.

 

My advice would be to find another account which is totally "unrelated" to any of your creditors.

 

smudge

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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