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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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Son unable to withdraw Jobseekers allowance


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My son opened some time ago a Gold account with RBS alongside his normal bank account. He never used it but set up a DD from the Gold account with tiscali for £20 approx when he moved into his own place for a broadband set up. Having spoken to RBS myself, it seems the charges have escalated now to almost £400 and still rising. They said the DD was returned unpaid as there was no money in the account to pay it. They are refusing now to allow him to take his jobseekers payment from his normal account as he has to pay them back the charges. Can I use the right of appropriation letter to allow him to get this money from his account? The money was paid in yesterday 9th April. This is the 2nd time he has been unable to draw money with his card and has had to move back home because he has no money

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Perhaps a Co-op cashminder account- can be applied for over the phone?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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RBS have no right to take this money or prevent its withdrawal, This is money paid to him by the Government ........it is a benefit paid to for a special purpose to assist him in seeking employment .......by taking it they are preventing him from fulfilling his part of the contract to use it to seek employment....... even if the Government own most of RBS they cannot touch it. I would send a PM to IceMaiden who had a similar problem......it finally cost a particular Bank a lorra lorra money....... her Bank took her university grant, that lost time in obtaining her education degrees.

I would also make your MP aware of this.

 

sparkie

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RBS have no right to take this money or prevent its withdrawal, This is money paid to him by the Government ........it is a benefit paid to for a special purpose to assist him in seeking employment .......by taking it they are preventing him from fulfilling his part of the contract to use it to seek employment....... even if the Government own most of RBS they cannot touch it. I would send a PM to IceMaiden who had a similar problem......it finally cost a particular Bank a lorra lorra money....... her Bank took her university grant, that lost time in obtaining her education degrees.

I would also make your MP aware of this.

 

sparkie

Utter nonsense, once JSA hits the account it is treated as income(the same as if you were working). The OP's son can use the FROA(First Right of Appropriation) however, the easiest thing for him to do is open an account elsewhere and get the benefit paid in there plus, if not done already, get rid of the bells and whistles element of the RBS account.

.

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

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Sorry yourbank,

 

I totally disagree on this one ......jobseekers allowance is stated what it is ....an allowance paid for one specific purpose only and is the bare minimum a person needs to actually live on....until that person has removed the money from his account it belongs to the government...FACT and has been ruled so by the Law Lords.

 

What you are actually saying is that if the jobseeker takes the money in cash from his Post Office..... the Bank have the right to meet him outside and take the money off him ........( analogy), these examples were often used by Master of the Rolls Lord Denning in explaining points of law.

 

As proved in the case of a Bank taking a Government grant to offset an overdraft in the case I quoted...they were taken to Court for theft, and that was proved compensation was awarded in the 10's of thousands.

 

By taking a jobseekers allowance awarded by the government and taxpayer it is theft .....not misappropriation, because the action of taking it by the bank is with no intent ever to give it back......that is the definition of theft........ and not misappropriation.

The particular case I refer to is the reason I take this view.

 

sparkie:cool:

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hit me with the case Law.

Never mentioned the Post Office

Again hit me with case law.

Considering the government has already given responses to petitions re SSAA1992 and Tax Credits Act, not really seeing what you are saying.....

.

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

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As it stands and for practical reasons, the new bank account followed by reclaiming the charges is the most effective path, as far as I know from experience.

 

I've not had success any other way!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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