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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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HSBC: Help Desperatley Needed! *** Won ***


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Let's be clear, though, conflicting opinions within a thread is good - the OP gets two views to consider, then makes a decision (hopefully **sniggers**) that considers both. Either, they decide to take your opinion on board or they don't. The important point is to state it, then the OP can either build on it, if they agree, or they can prepare to counter it at a later stage. (Which inevitably happens, somewhere along the line)

 

Don't apologise for stating your opinion - that is why we're all here.

 

Oh, and I haven't seen anyone shoot anyone else down for disagreeing with them. (Yet! ;))

 

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  • 1 month later...

Hi folks.

 

Its been a while but the FOS have been investigating the GF's complaint against HSBC and there hasn't been anything to report.

 

Sooo...the GF got a 'phone call today from the FOS and they told her that HSBC have been asked to REMOVE the Default on her credit report!!!!!!!!!!!!!!!!!!!

 

The FOS said that the bank had NOT communicated properly with her during the dispute and prior to the expiry of the DN period and, furthermore, that the compensation sum will ALSO be awarded.

 

We don't have this in writing yet...but, if this is what happens, then it is nothing more or less than TOTAL VICTORY over HSBC.

 

The FOS will have done us proud as well.

 

I will post up the FOS letter when received if anyone is interested?

Mozzone

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Taking on the bloodsuckers

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VICTORY OVER HSBC

I attach a copy of the letter received from the FOS, confirming that HSBC will now remove the Default from the GF's credit file as a consequence of the "miscommunication from HSBC."

 

Also, she gets paid the £300 compensation as well.

 

So, in the end there was no need for Court.

 

The Financial Ombudsman delivered and adjudicated this dispute superbly.

 

So, from a position of having her current account withdrawn and credit file trashed by HSBC, she now has the account back, the £300 compensation and a clean credit file.

 

Over 'n' oput folks. A big thank you to all those who helped with their support and kind advice, especially you Johnny and Car.

 

Mozz1

 

http://i822.photobucket.com/albums/zz150/mozz11/c5d367dc-1.jpg

http://i822.photobucket.com/albums/zz150/mozz11/c605ec8e.jpg

Mozzone

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Hi Frett & thanks for the congrats.

 

Happy to post up this success to encourage others to stick to their guns. If you read back on this thread you'll see there were plenty of the "big guns" urging us to settle for the cash compensation an to give up on the removal of the Default. But we figured that a 6 year Default on the Credit File was worse and, more to the point, was unjustly issued by HSBC. So we stuck to our guns and the FOS agreed.

 

I was hoping the mods would move this thread to the HSBC success forum. However, glad you are pleased with the outcome Frett - as are we, as are we!

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Mozzone

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  • 2 months later...

hi Mazzone,

HSBC are a bunch of liers, anyone that has an account with this bank should move to a more trusting bank. They took me to court and i wasnt even informed until it was to late, they are very devious and sly and dont care about anyones situation. Tell your girlfreind to take advice from the CAB, if she is still out of work then she can get legal aid. HSBC have made alot of mistakes and if people dont complain then they get away with it. Will let you know how i get on with my case.

Good Luck

gina g

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