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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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Tax Credits Recalled

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On saturday we received a large tax credit payment for last year. The reason for this is that my partner received substantially less this year than he did last. He did ring tax credits earlier in the year to advise that he was working less because the hours weren't available. They were not interested in the slightest.


They paid money in that showed in our bank on saturday so we paid some bills etc etc and we were already overdrawn in the first place. Today our bank shows that the money has been recalled.


I have rang tax creditsand they said that because the payment was over £1K they red flagged it and had to have it checked but then the money should go through and the guy also said that the money had been paid into our bank and that they had a receipt. He advised us to ring the bank.


Rang the bank and they said that it had been recalled, this now leaving us further overdrawn than imaginable.


Rang tax credits back and they said that we have to allow them up until tomorrow for the final award????? anyway if we dont get some sort of payment then all my OH wages, etc are going to vanish straight into the overdraft which means we will have nothing at all to live on.


I was under the impression that even if it is some sort of !!!! up (which some of it might be because i wasn't expecting that much) then you paid it back to them.


Any advice on them being able to recall this straight away?:-x

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Guest wino

I paid some money into the wrong account once (luckily it went in an account of someone I knew) I rang the bank and asked them to recall it and was told they can't do that. I have to ask the account owner to send it back to me.:confused:

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I've been on to the bank and they say that they are well within their rights to recall it the same day. And although the money was showing in my bank account on saturday it only appears on the bank statement for yesterday which is also when they recalled it.

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If it was a large payment, over £1000 (I'm sure it's only if it's over £2000 actually) then Tax Credits will recall the payment. They will then verify all the details (income) are correct and if they are they will release the payment to you again. It will show that it is paid then recalled, because they do release the money to you, then recall it. The usual timescale for them to verify the details and to make the payment to you again is around 7-10 days.


Hope this helps.

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What do they do to verify the details and is there anything I can do to speed this process up? Every time i ask tax credits this they just say that it is with Head Office and they dont know. Any advice?

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Unfortunately there isn't anything you can do to speed up this process, there will be other people in the same situation as yourself, so they will not put one person in front of another. Because there is no timescale, you will always be told it is being dealt with, but they won't commit to an actual timescale.

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