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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 
      • 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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Sheriff puts Bank of Scotland to proof on bank charges


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The case will be heard before a circuit judge and then presumably appealed in the Court of Appeal. I emailed Max Clifford on Wednesday, we live in hope. I intend to seek publicity next week and am considering which media to use, press or television.Would like to have slogan short enough for T Shirt and also to be used as a email address. Happy for site to CAG moderators to contact me it is the last chance saloon and must be done properly. Even if I am only the face of a national campaign I will be happy just to close this argument for good. Will keep my eye out for the best logo but need to decide quickly. Is Martin Lewis all talk or will he join in, who knows.

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Hi Tim

 

It's a brave stand financially that you are taking and my feeling is that you are going to have to take it alone as I doubt that any 'name' will back you or be seen as supporting you as they fear that the probable defeat will not add any glitter to their imagined stars.

 

Its going to be a lonely road if you do travel on it and the likelihood of gaining considerable financial support from this or any other similar site must be considered as slight at best.

 

Martyn Lewis has his faults and detractors but he is known and has the ear of the media so an approach to him might bear fruit.

 

Starting your own thread on here would give you more exposure rather than being buried as just another post on this thread.

 

Logos--not so easy!

 

Life is unfair to some

 

but

 

Banks are unfair to all

~

Somewhere a Bank is in trouble

 

Please give them your money now

 

And save a Banker's bonus.

~

Debt avoidance begins by not having a bank account

~

Avoid debt-close your bank account.

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Bankers can seriously affect your wealth

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Support Bailiffs & Debt Collectors by opening a Bank account today!

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I'm getting a damaged file error on that...

 

Elsa x

 

S'ok for me Elsa, try using a different browser.

 

BTW, I dont actually know what that means:rolleyes: I saw someone had replied to a similar query in that way :)

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Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Didn't think of uploading it. Thank you SFU.

 

In addition to that attached above, this is the supplement of the Opinion from Anthony Scrivener QC mentioned at paragraph 106.

 

 

edit: uploaded Opinion as well as it seems to have vanished from seriouslyfedup's previous post.

 

 

If theres a problem with the PDF's then a text version could be posted as it has been on MSE although it would take up a number of posts.

Bankchargesopinion_supplement.pdf

Bankchargesopinion.pdf

Edited by 008139
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The case will be heard before a circuit judge and then presumably appealed in the Court of Appeal. I emailed Max Clifford on Wednesday, we live in hope. I intend to seek publicity next week and am considering which media to use, press or television.Would like to have slogan short enough for T Shirt and also to be used as a email address. Happy for site to CAG moderators to contact me it is the last chance saloon and must be done properly. Even if I am only the face of a national campaign I will be happy just to close this argument for good. Will keep my eye out for the best logo but need to decide quickly. Is Martin Lewis all talk or will he join in, who knows.

 

Hi Tim,

 

You want maximum exposure so don't just decide whether to use newspapers or tv. If I were you I would get as many tv companies, radio stations and newspapers you can possibly speak to who are willing to go with your campaign hopefully they will run with it and even support it. I do know both The Independent and The Daily Mail were ardent supporters of the bank charge reaclaim campaign. I also think you should approach your local tv and radio station as well as your local evening paper who I am almost certain will run with your story. Don't forget the internet as well. Can you private message me your email or phone number and I will do what I can to help. If this can be seen as a very worthy cause which will benefit millions of ordinary consumers and has a good chance of success then what you may find happen is more promiment donors stepping forward to help pay the legal bill.

 

I would certainly approach Martin Lewis, anything is worth a shot at this stage. You have nothing to lose by contacting him.

 

 

TheyrCriminals

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Originally Posted by jdes26 viewpost.gif

I have plenty of respect for someone who's trying..... I feel this is one mayb one no one can win....... The whole things a conspiracy

 

If it is , it's a conspiracy which needs exposing , and if Vince Cable is true to what he says this morning ,(about sorting the banks out ) then maybe this is the time to pursue it ...........

 

That's how conspirators get away with it , jdes26, because nobody opens it up ....... hopefully that's what this , and other sites, are about ...

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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The case which started this thread (Sharp v HBOS) has still to be heard - so Santander is a set back of one battle - but not a defeat in the war.

 

I believe Sharp can get legal aid - so not scared of losing and getting screwed for the Bank's charges.

 

BD

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Stop Press Max Cliiford feels sent an email, this is not his forte so must represent bankers

 

Doesn't surprise me tim....... :rolleyes: .IMHO,Max Clifford is someone who exploits people who have been unfortunate enough to attract publicity ....he only goes for sure things ...... this would be way too risky for him ....... :(

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Wouldn't put any hopes in Vince Cable, nice and sincere as he may be. Ultimately, it's what we the people decide and what we the people take action on that counts.

 

The power truly resides with us, if only we really understood it and set about using it in a persistent determined way.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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as many have said many times, direct action is required...

this site and mse site lose many supporters as they do not co-ordinate direct action... many are scared of consequences of say a march or a run on a bank? but what is the alternative .... millions of people ripped off forever... they can reword this many times but it will remain the same... new banks wont change anything..... 0845 and 0870 and 0800 numbers from mobiles these should also be looked at.... as more and more people use mobile telephones these numbers have sprouted up like bank charges.... when we rely on things as their is little alternative then the companies will milk us for every penny they can....I bet in a few years the charges for using these numbers increases as they realise they can get away withit???? sound familiar

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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Good morning all,

 

I hope that you will all count me in, and if there is anything at all that I can do - please just ask!!

 

By the way HSBC owe me over £10,000!!!

 

As always best wishes to everyone

 

Dougal

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