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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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RBS/Capquest vs me, please help

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Hi, I was hoping someone could shed some light on a complicated subject.


Back in 2001 I opened a bank account with the RBS. I wasn't made aware that I was being charged on a monthly basis a fee of £3 to have this account open.

I moved to France for a while and whilst there had a French bank account. When I returned to the UK I found a mountain of letters from the RBS claiming I owed them in excess of £300. As I wasn't paying into this account and they were still charging me the hidden £3 I had fallen into my overdraft and then been charged, letters etc to the tune of £353. I took them to court and won.

Since then I have had letters and phone calls from different credit companies including Capquest chasing me for the debt. I had to fax each one telling them this had been settled.

When I checked my Experian report last year for the first time I realised I had a default against my name from the RBS. I phoned the courts and they passed on the relevant information to the RBS credit people who then had to pass it on to Experian before I could 'clear my name.' Which happened. Credit rating fine again.

Then the phone calls and letters started again from Capquest. I just checked my Experian report again and found this:


CAPQUEST (FORMERLY... Bank Default £353 12/04/2009



Name:MR Address:Date of birth:Company name:CAPQUEST (FORMERLY FTC)Account type:BankStarted:17/01/2002Default Balance:£173Current Balance:£353Defaulted On:06/09/2003File Updated for the Period to:12/04/2009



Sorry about the long post but I really want to finally get rid of this, any help would be greatly appreciated, thanks again.

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Hello and Welcome,


I'll move this thread to the appropriate Forum.





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I am not sure how to help you with this but reading your case I can see quite alot of similarities b/w your case and mine. Please read my thread/case to give you insight




I need your help in knowing how did you challenged RBS and managed them to clear your Experian Default as I am currently struggling with this. Did you wrote to Experian to get name cleared as bank charges are illegal or did you challaned them on basis of not sending Default Letter or something else? Please let me know as I desperately need your help with it.


Would look forward and appreciate your much valuable help



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Many Thanks Fastest Fox


I would be writing to EXPERIAN first & at same time contact RBS and challenge them for Defaulting me on basis of unfair charges for which I hope they clear my name as customer goodwill however IF not then I would definitely challenge them to court.


Did RBS or the court you went to raised the point or challenged you for you not paying in Service Charges? Is it something that can go against me? Or did this point got raised when you took RBS to court? Also did you also challenged RBS for not sending you DEFAULT LETTER?


As I can see the from your case too I have similar problem of not realising I had service charges set up on account with no overdraft limit which lead to RBS charging me all these bank charges one after the other.


Thanks again for guiding me towards first step and would look forward to your reply



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