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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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Bank charges for one month £654.00...!


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I'm wondering if anyone can advise me on the following:

 

This matter is entriely my fault, i was guaranteed a payment of £1000 into my natwest bank account in lieu of some consutlancy work i did - this money didn't get paid in when it was guaranteed and unfortunately i was very trusting as i was away from home i didn't have any access to internet so didn't check my balance for 2 weeks which is very unlike me (Lesson learnt dont worry!).

 

Because of this my account was a mess and in total for the last month i was charged £654 by my bank :shock: they didn't contact me in writing or anything and im in a complete financial mess now as virtually none of my esential household bills have left my account.

 

Any advice on what i can do would be so gratefully received - im £6 short of my rent and they have refused to extend my overdraft by this account to ensure it goes out of my account which will of course incur further charges

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I am surprised. I believe most banks have a maximum charge per day or per month. Have you checked the fine print of the bank's rules? Presumably your account was not hit by £30 penalty daily spread over each of 22 working days in a month.

 

It's possible the punitive charges were sanctioned by human employees, and their IT system did not have automated checks to countermand 4 penalties where their own rules say only 1 penalty is applicable per day even if 4 bounces occurred.

 

Perhaps your bank would be interested in human intervention and reduction if you point out a News of the World interest in your story, and its aftermath.

 

 

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This is what shocked me so very much - as i always understood there was a limit to the number of charges which could be placed on your account over any 1 month period but ive double checked hte volume of charges and they total whopping £654. I haven't got any kind of special account its a normal run of the mill current account and there is in the terms a limit ot the number of charges which should be applied for the month.

 

I've emailed the bank about it as i want to make sure i have an audit trail on this matter but i just cant belive they could eb so incompetent I have gone over my overdraft limit before but they should have surely seen that the activity on my aco**** just wasn't right in line with my profile!

 

If it is human error its a pretty big one isn't it, ive had no end of problems with Natwest over the years starting when chip and pin came in, changes of address - they just don't seem to know what they are doing, or is it just me?

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Guest NATTIE

At least one person does know what they're doing!! What were the charges comprised of? My guess, Card misuse, Unpaid items any others?

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Guest NATTIE

I'll add an additional yes and No. Yes for paid referral fees, £30 an item(max 3 a months) and No for the rest of the charges

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