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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
      • 160 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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no help from A&L - more fees instead !!!!


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hi all,

 

the hubby lost his job a couple months ago :-( so for a few weeks he was struggling to put mney in to A and L account

 

He calleed them to explain and in mean time some debits came as unpaid and he was charged. this took him over o/draft. When he called to explain job situ they kindly explained that instead of helping in any way they would slap a £5 chaarge on his account every day ! bearing in moind they knew he is capable of putting a decent amount in the account every month. He is back on his feet again but the trouble is he cant pay in to that account every week because a............the first weeks wage would be gone and we have 3 kids to feed plus i'm on maternity and b............they have kndly closed his account for him!!!!! cheek!

 

he has received a letter yesterday saying they withdraw his banking facilities send your cheque book back and you are overdrawn by £***.**. we will add overdraft fees and show them on your next statement. This will also include any fees you have previously been tld about which have not yet been taken from your account !

 

He has never ever received a paper statement for this account - it was a premier so i expect they assumed he used the internet - he cant even use a mouse so thats no good to him !

 

i really think he has been treated badly over this what do you suggest guys???????

 

thanx :-)

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This happens all the time Becky so you are not alone. I assume you have a new account elsewhere now so make sure you pay everything into that.

 

The next thing is write to A&L and explain to them your situation and that you can payback xx per month of the overdraft. Ask them to freeze any interest and stop charging their fees daily. This has now become a damage limitation exercise, so keep everything in writing to keep a paper trail.

 

If they won't refund the charges then complain to the Financial Ombudsman about the way you have been treated. Do you have credit cards you are having trouble with, any charges there you could claim back?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...
  • 3 weeks later...

I have had a similar situation...I originally took the account because Martin lewis (who I can't fault) told me via his email that I could get a 0% overdraft etc and some cash for taking the account.

 

I didn't get any cash and they only gave me a £250 overdraft which meant that I couldn't change from HSBC without leaving my other overdraft which was around £1000. This happened because I didn't read the small print which said that I had to use their service which automatically changed my direct debits to A&L in order to get the matched ODraft.

 

As i tried to tried to change the DDs manually I inevitably took my time and lost track of which DD was coming out of what account and as a result of which got charged.

 

I received no communication for almost two months and the first time I heard of the £5 charge was when I was told that I owed them nearly £200 for only being overdrawn for only a few days by about £30 and settled the account.

 

Stupidly one of the two direct debits that I actually set up with them I forgot about and ended up going overdrawn with. I settled it after three days and got charged £5 per day. I then was hit with a daily charge for the days overdrawn and although I paid the money I was a couple of day late I got charged £5 a day again.

 

This happened many times over a period of nearly a year mainly due to me feeling that I didn't owe the money and being busy with working during the day. In total I went overdrawn accidentally by £30 when I took the account for around 45 days and £30 the second time for around a week.

 

I complained about the charges just after the stay and received a letter stating that my account would be frozen and that they would get back to me once the high court (or other) had made. To date I have not received any correspondence.

 

I am sure that we can still claim the charges back but would highly appreciate any advice.

 

Thanks

 

Phil

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