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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
      • 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
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Hi everyone. This is only the second time I have used the site,I am overwhelmed with it!! It has taken me ages to try to get some answers and i am still confused!!

First of all, we have a Yorks Bank account from 1986 which was passed from pillar to post by Yorks Bank, Intrim Justitia(??),Jeremy Sutcliffe and uncle tom cobley and all!!! We are still paying it back. How far back could we go to see how much the charges might amount to? and also can we approach the other debt collectors of this account at the same time?

and about that time(we were in serious financial difficulties) we were actually FINED by Nationwide Building Society for being in arrears with our mortage. So can we find out what charges they imposed on our mortgage account when it has been in arrears over the years?

And .....(!!!)I told you I was confused... about the same time we were buying a holiday chalet at the coast which we had for about 3 years when this financial thunderball struck us and the result was that the holiday property was sold by First National under our nose because we had not kept up the payments and we were given a small amount of money. Cedar Holdings were another company involved in this little tragedy somewhere.

Also around the same time an account with Barclays Bank finished upgoing to court because we couldn't keepupthe payments and finished upwith a "charge" on our present property. What we dont know is what this "Charge " means - the Land registry just say that as far as they know Barclays Bank have an "Interest" in our property if we want to sell it in the future.

I know this might sound as though me and my husband have been quite laid back about our finances but this is not true- we got in some financial difficulties because of a business failure and are still trying to get out of it.

What would help us is if there is any way we can reclaim some of the costs these debts have incurred. but is to too far back?? and where do we start??please!

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Hi,

 

You need to first read all the FAQ's as they outline everything in great detail.

 

You will be able to reclaim all penalty charges made to you by all financial institutions which you have dealt with in the past 6 yrs.

 

But like I say have a peek at the FAQ's and if you have any more questions come back and post.

 

Good luck

Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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