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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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Morgan Stanley Help Please


leebrannan
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Has anybody tried to ring Morgan Stanley to see if they want to settle over the phone. I know this works with MBNA and they even work out the compound interest for you.

A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9:lol:

MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) :lol:

Morgan Stanley Data Protection Act sent 8/8:) Total of £875 charges.

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Hi, I was just scanning the threads and noticed your one is about the same as mine. I've got a MS card claim going back to 2001 and the have just written offering as a goodwill gesture the fees but not the interest ( or a fraction of the interest) worked out on some minimalist fraction of a %.

 

So, they having accepted the late fees etc to be refunded, I have put in a telephone call to get this interest bit explained and to ask why they are not prepared to pay interest for the time they've had the money. I am waiting for a reply as I am typing as I am going to try to negotiate the interest against court claim. I'm tempted to try to end up with 50% of the interest but on the other hand I feel like I'm letter you guys down on the site if I gon't go for the full thing 8-) I'll see what happens and let you know.

 

They have also said that they do not agree with my legal analylis - do you know if anyone has won against them and had interest paid - I need to know quite quickly if I can before they phone - sorry off searching :D

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Okay you guys. I have spoken to MS and they are insisting on the confidentiality agreement. I haven't signed it yet so If I go quiet you know I won and I'm after contractual rate! :D They will be phoning me tomorrow after speaking with legal. For the reference, the person I spoke to was very pleasant, very amicable to the arguments I put forward and sounds like there's a deal to be had.

 

To answer your question leebrannen the talking on the phone is not such a bad experience thus far and you might save yourself alot of paperwork trying.

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cheers andrew, that sounds encouraging. I was thinking about talking to an accountant about this compound interest thing. I was thinking that maybe they could work out the compound interest for me so that i could add that to my £875 claim. ( just had news of my 2nd claim against MBNA - £436 charges, they offered a total of £1,226 once they had worked out the compound interest.) Its obviously worth going that extra mile to make sure we get it.

Do you have a number to call for MS? Did you say that they would work out the compound interest for you (as with MBNA)? This would be a huge help, as i'm really not sure where to start with it. Don't really just want to let it go to court and claim 8%!!

A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9:lol:

MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) :lol:

Morgan Stanley Data Protection Act sent 8/8:) Total of £875 charges.

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0800 028 8990 - that's the Glasgow Customer Liaison Team you just need your card number or reference ( I just pressed the # button twice rather than go through that ) and got through to a human!

 

Listen, you can talk about compound interest all you like but Vampiress will have palputations if she thought I was going to try to get my head around that one :D

 

I had enough trouble working out the ordinary interest! I probably could have asked for it in fact I might when they phone ask if the could work it out for me and pay it ! that'd be a laugh! Good luck anyway.

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  • 3 months later...

Hi Lee

Im just starting our with MS and just wondered how your claim is going with them. Did they work out the interest for you after?

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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