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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
      • 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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£35 Charge for allowing exceeding overdraft???


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Sorry to do the whole bank charge thing again. Both myself and my wife reclaimed ours two years ago. However since then had a situation where my wife was overdrawn by a couple of pounds and was not charged. Curiosly we called to ask why we were not charged and were informed that there was a (HBOS) (Phantom) limit of £5, that if you did not go over this then you would not be charged. As there was no charge we were happy and accepted that explanation.

 

Now however, we are confused again and would appreciate any feedback on this latest issue. I do not have a bank account but my wife has two with the HBOS. We are both PAYG customers with T-Mobile. Both our phones are registered in my wife's name so that we can top up through the interactive option on each handset. T-Mobile will only allow one handset per bank account so my wife has her phone activated to one of her accounts and I have mine activated to her other HBOS account. Simple as it sounds!

 

This has been the situation for around two years and there have been many occasions when I have tried to top up my phone using the interactive menu on my phone. Without knowing the balance in my wife's account I have received a message detailing that the top up has been refused and that I should contact the bank (HBOS).

 

However, in the pat few months I have been able to top up my phone without the funds being available in the bank account (not knowing that the funds were not there) top up has been successful but a few days later we receive the usual e-mail saying that we are being charged £35 quid as there was insufficint funds in the account??????

 

Does anyone know if things have changed, or why can the HBOS LET!!!!!! you go overdrawn in order to CHARGE you?

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They continue to charge. The charges continue to be unfair. You can claim them back. Write to your bank and tell them that the charges are in dispute and that under para.13 of the banking code they are not to lodge any information with the CRA.

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