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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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take action against the banks


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i know this is my first post here and alot of people will poo poo me when i say anything but i can back everything up with legal facts and letters.

 

i was in 40k debt with cards and had debt collection agencies at my door and on the phone 5 times aday.

 

cut to the chase after alot of reading and a few long months i drafted a letter to i think metropolitan collection.

 

result. no more calls plus a letter of apology , and a bonus the debt was dropped.

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So what?

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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so what. they cleared my debt without me paying a thing lol

 

not quite sure what you are getting at as the title says "take action against the banks" and yet the first post isn't clear what action you took. Can you be more specific?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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no way im not selling anything. i think alot of people dont understand that truth about the banking system and the fact that when you take out a loan or credit card you are actually borrowing money from your self and the bank are acting illegally. its as simple as that.

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Here we go with fractional banking again, I think.

I will save you some time though. Money as debt video is on the sight on about half a dozen posts.

Can you explain how you are borrowing money from yourself that you have not saved individually either under the mattress/in a tin or even dare I say this at a bank?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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first i would love to post the letter on here but as yet i have not seen anything remotely like it, and i will be honest i make a living from helping people. and before you jump in an say [problem]. i have not taken on a case to date that has failed.

 

yes fractional banking has been on the forum for numerous posts but that is just the tip of what goes on in banking.

 

im sure you are aware then that when you sign for a loan the bank does not lend you a penny of their own money or from any deposits in the bank. so where does this money come from? easy ... they invent it out of thin air ... i will go into strawmen etc if you wish and corperate indentities but i guess you know all about that.

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Ok, I am leaving you be on this thread because if you never lose and if you claim for people for a fee, its no win no fee and it just doesn't sit right with me. And its an old argument that quite frankly I don't really care about or am interested in. No doubt others will be so don't stop my pessimistic tone from continuing to preach to the converted.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Sounds like typical loadie big-timing to me... :D

 

I'm not sure what the point of this thread is; CAG exists so that people can help each other. If you don't want to share how you achieved your victory, how does it help others?

 

I've also dealt with HSBC/MCS/DG and had an alleged debt wiped out and the relating default removed. All the letters I sent are on this site.

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