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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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      • 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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Bank Sending Representative


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I have been trying for two years to reclaim bank charges from BoS, I had an overdraft that has gone over its limit because of bank charges, I have refused to pay any money into reducing the overdraft as they are basically ignoring my claim for almost £5000, I got a letter this morning saying they were "sending a representative on the 19th May to my home" can they do this, is this a debt collector they are sending, do I have to open the door to them.

I am 68 and applied under the financial hardship to reclaim charges, that too was ignored.

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The short answer is no you dont (and you could always go out for the day )

But if they do get you in, my advice would be to follow the advice given here http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

I would also consider sending them the letter that you get to if you click on the link in the page this will take you to - though admittedly time would be against you.

But one thing to keep in mind is that they often threaten this, but dont always act on it.

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I applied twelve months ago and then again ten months ago, I send a "reminder letter" once a month. I will go check out the link you have kindly given me.

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Have you put a claim for charges into court?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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have they asked for your card and cheque book back? I am assuming that is why they have stated about sending a representative round. Furthermore, I would tailor your letter to include priority debt arrears(mortgage/rent, council tax, utilities). Include photocopies of arrears notices as well.

.

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

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I have never had a cheque book, the disputed account was a bill paying one, my salary was debited 1st of the month and all bills paid, problems started when I retired in disabilty pension, first months pension was three days past the date for £1200 being debited, charges snowballed, I couldn't keep up with them, cancelled bill paying account and all direct Debits, kept on top of the DDs but couldnt keep on top of the bank charges.

I didn't know I could put a claim into court, I admit to burying my head a bit.

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