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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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Options? Credit agrerement


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Hi,

 

I am in debt to the tune of £22,000, £15,000 of which is owed to HSBC. I have certainly learnt my lesson and no more credit for me.

 

The debt is made up of

£5,000 Credit Card

£5,000 Overdraft

£5,000 Flexiloan

 

For the past year I have been writing to HSBC after they have gradually increased my interest, explaining my situation and asking them to understand I can only afford to pay a certain amount, no meaningful responses, so it left me with no option but to contact Payplan, I have been with them six months and despite making payments of £222 to HSBC everymonth my balance has increased, as things stand I will be paying money to HSBC all my life!

 

I wondered about challenging the credit agreement, specifically the flexiloan, as no check was done, I was always struggling with my accounts, i simply went to the bank to see if i could extend my overdraft and came out with a £5,000 flexiloan - any advice on how to do this and what i should be looking for?

 

Thanks

Steve

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Hiya AC and welcome to the HSBC forum :)

 

As you have a mixture of credit card, current account and loan I think the best way forward for you is to send a Data Protection Act SAR to the bank for all three accounts.

 

This will give them 40 days to retrieve every scrap of paper they have that refers to you from their systems which should prove interesting reading but also amongst this should be the credit agreements for the credit card and the loan to check if they are enforceable and see if any PPI insurance can be reclaimed

You should also receive copies of the statements for the credit card, loan and current account which you will be able to calculate just how much the bank have deducted from you in unlawful charges in the last 6 years :cool:.

 

From there we will be able to see what you should do next with the card and loan and how much you should claim back from the bank in respect of unlawful charges.

 

This thread will tell you how to write and submit your SAR and remember to include all of your accounts on the one letter :)

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

pete

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