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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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Lloyds have ruined 45 years of good business reputation.


Norton588

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Lloyds touted for our business this time last year and made promises of a loan to cover cashflow (because of customers bad debts), an overdraft facility if we moved our account from HSBC (whom we had an account with for some 6 years- which operated with little or no problem).

 

I explained to a Lloyds business manager that HSBC always stood by our employees wage cheques, and certain other preferred customers when monies were due in, even when uncleared funds were due in.

 

Once we had moved the account over- the promised overdraft facility did not materialise and we started with a zero balance and all our DD,s and wage cheques were bounced.

 

Then after the overdraft was declined the Lloyds BM also INSISTED (and there was no other option) that 'Factoring' was the way forward.

We protested and told him that it would not work in our industry. He did not listen.

 

Incidentally the factoring agent is owned by Lloyds Bank.

 

Customers DD's were returned and charges flowed in like a torrent.

A year ago we could have absolutely anything we required from anyone with no questions asked. Now we cant get any credit anywhere.

 

Our annual turnover has been £1,000,000 for the last 5 years plus.

 

Lloyds have been rescued by the government and are doing nothing to help us.

I have complained to the Ombudsman and our local MP.

 

I have not yet asked for a return of my charges but am intending to do so.

A friend who has successfully claimed business charges back prior to May 2008 has been helping us.

I told my friend that we have not been given/received ANY terms or conditions since we opened our account.

My friend says that would mean that my charges are unlawful because I have not been advised of these terms and conditions.

 

I could continue for ages listing my complaints about Lloyds, but my friend assures me that the name on the door of the bank could be any name, because they are all the same.

 

Please can you give me your thoughts?

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