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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
      • 162 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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Short for money over the weekend ?


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Has it ever happened that you have a direct debit going out on a monday and you also have a wage/benefit coming in as well but the money you have available in your account is for the direct debit on Monday ? Which for obvious reasons you cannot touch ? Well here is a idea which if you use properly then you can balance your budget. You need to test the waters here. Some super markets take their money 2 days after debiting it. Some take 3 and some take 4. For obvious reasons i do not want to name them.

All you do is use your debit card to purchase something and then ask for cash back at the same time. what will happen is although you have got your money in your hand it will still show as a balance on your account but will not be available for withdrawal. however this does not stop any of your direct debits from not being paid. As technically the money is still there. Then when Monday comes you will be back in credit. As long as this is used properly you shouldn't have to pay any bank charges. However i know there are people on this forum who will see this as a ploy to scare people of the forum in the name of debt.

So whats cooking today ?

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You are talking about "earmarks". When you debit cash from your account using an "EPOS" (your card via chip and pin) the system automatically lowers your available balance, but the money doesn't actually leave for a couple of days in most cases, because the actual recipient of the money has to call for the funds, and until they do the cash is still in your account.

 

I think this is playing Russian roulette with your finances tho... if there is a chance of the direct debit failing it would be wiser to pay by other means IMO

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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I've just been stung for £15 chrges from Halifax due to Paypal. I bought a couple of items online that amounted to £30. The cash was in my bank but even after a week it was still available. I stupidly presumed that the goods must have been paid for and lost track of my finances and spent the money. Why do Paypal take so long to take the money from your account?

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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You are talking about "earmarks". When you debit cash from your account using an "EPOS" (your card via chip and pin) the system automatically lowers your available balance, but the money doesn't actually leave for a couple of days in most cases, because the actual recipient of the money has to call for the funds, and until they do the cash is still in your account.

 

I think this is playing Russian roulette with your finances tho... if there is a chance of the direct debit failing it would be wiser to pay by other means IMO

 

 

You need to play with this a few times so you know the various time limits the shops take to debit the money from your account.

So whats cooking today ?

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Playing around with the time frames of them actually withdrawing the funds is one thing, but if you get it wrong when you are depending on it could cost a considerable sum of money.

 

If I was that desperate I'd use a payday loan service before trying that. (and believe me, I'll never be that desperate!)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

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Lmam-How many times have you done it and been ok ?

 

Its not exactly debt avoidence is it ?

Its just playing the bank at their own game and using the dosh before they get at it.

Obv risks have been outlined here though-you would only have to be caught out once to lose any benefits.....and of course the boot is then on the banks foot !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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It's something that even a lot of bank staff get confused with Martin. Try asking one of them to explain "earmarks" from debit cards :p When you pay for your shopping by debit card in Marks and Spencer's (just using them as an example) and if it takes M&S 3 days to take the funds (I don't know the time frames, 3 days works in the scenario I'm posting tho :p), because the EPOS tells your bank how much you are withdrawing, but the money doesn't actually leave until M&S call for the funds, you could go to a cash machine and it's said "balance £100, available today £0", that's because you have spent the £100 on your card. Now, if you had a DD come out for £30 the next day, and you checked your balance it would say "balance £70 available today £0" as M&S have still not called for that £100. Now if your pay goes in the next day taking your balance up to £150 then M&S draw their funds and everyone is happy, no charges!

 

My concern is if M&S get on the ball one day and process the payment earlier than expected, the plan goes down the drain and you end up paying a bank charge!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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Lmam-How many times have you done it and been ok ?

 

Its not exactly debt avoidence is it ?

Its just playing the bank at their own game and using the dosh before they get at it.

Obv risks have been outlined here though-you would only have to be caught out once to lose any benefits.....and of course the boot is then on the banks foot !

 

I have done this a few times. There are retailers that take 3 days. That is why i said earlier on you need to experiment with the retailers.

So whats cooking today ?

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I have done this a few times. There are retailers that take 3 days. That is why i said earlier on you need to experiment with the retailers.

 

Pretty much :)

Technology does not drive change -- it enables change

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