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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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First Direct & HSBC


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Hi

 

Just a query.....

 

I used to have a HSBC account for which I would like to make a claim for the charges for. I have also had credit cards in the past that used HSBC that I would also like to claim charges for. However I currently have a First Direct current account, cedit card, overdraft and loan! (Yes, I am trying to get debt free!) I could also claim for charges for First Direct too. So, would it be better to wait until I have repaid these and opened a new account with a different bank before taking on HSBC? The loan is due to be paid off at the end of next year but I am hoping to pay it off before then. I am a little concerned that the law may change and I will not be able to claim against HSBC or First Direct. My credit rating is not so good that I can shop around for a different loan etc either.

 

Thanks

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There shouldn't be any problem taking on HSBC with regard to First Direct. If you claim charges on you FD current account this will not affect your loan or credit card as they are separate contracts. It would be as well to open a parachute account just in case though. There are loads of basic accounts which accept new customers regardless of credit ratings, but you may not get an overdraft. Perhaps your HSBC bank charges might cover your present overdraft.

 

The law is not going to change any time soon, but if you are worried just take on HSBC first and see how you get on. You will find you gain confidence as you understand more so keep reading the FAQ's and forums.

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 caro that makes sense but sometimes what is logical isn't what happens! Does a parachute account have to be a basic account or just another bank account with a company that you are not trying to reclaim charges from?

 

I want to be sure what I am getting into before I start playing with the big boys! I have printed off the relevant FAQs and have started reading them.

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Parachute account can be wherever you like, as long as they will accept you. I just suggested a basic account as you mentioned your credit rating is not too good. I opened mine with Nat West as they do DDs and standing orders, but no cheque book or overdraft. I haven't had to use it yet though.

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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I think my credit rating is better than what it was. I used to only get offered solo aco****s and now have a switch however most current accounts now request that you have a certain amount going into the account each month.

 

I will look into this as I don't want to be caught out if First Direct close down my account. I suppose if I take on HSBC then the money gained from that will pay off First Direct's overdraft - hopefully!

 

Thanks for your help

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