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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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Virgin Credit Card/MBNA

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Only just joined this site, and not very 'techie' - hope I put this in the right place.

I have a Virgin Cr.Card which is provided by MBNA. It was meant to be interest free. I've always paid promptly and more than the minimum, sometimes more than one payment per month. In February my payment was one day late - totally my fault as I forgot it was three calendar days shorter than the following month. I didnt notice til two statements later they had charge me a late payment penalty amount and put my account onto punitive interest rates. I wrote in early June to complain and by then had been charge approx £100 pm interest.....almost wiping out the amount I'm paying each month. They took ages to reply and then just a letter saying they were 'looking into it' . I noticed in my July statement they had refunded the £12 penalty charge and one month's interest. So I wrote again and stated that I felt it totally inappropriate as by now my interest charges were over £500 for just ONE DAY'S delay in payment. They've now sent me a long 'official' letter basically telling me it was my fault, I had the chance to read the terms and conditions etc and I dont have a leg to stand on, and if I dont like it I'm perfectly at liberty to write to the Banking Ombudsman but they have applied the terms correctly. They now state that my account interest free period is over anyhow from mid July.


I have remortgaged to pay off my credit cards debts but still feel this level of charges for ONE SOLITARY DAY is really unfair. Can anyone guide me please.


Thank you

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Had a similar problem. Paid on the day and takes a couple of days to go through. I phoned straight away to be told that the computer has cancelled my interest free period. I stated that this was unfair and that they should use their discretion to reinstate the interest free period. This was done there and then. They also said that I had to pay a late payment fee of £12 but after I argued about this they refunded this on receipt of my payment.


You could argue that the way the date seems to change for payment each month is difficult to keep tabs on. It worked in my case. Hindsight is to set up a direct debit to cover the minimum payment each month. You can then make payments whenever you like to pay off the debit.

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do love their punitive interest. My partner has a CC with them only a relatively small balance £1k, we missed a payment by an hour. They have a cut-off of 4pm she was charged £12 and had punitive interest rated for 2 months. I'm sorry but that's just wrong. I have now sent a SAR off to them they have neglected to send all her data so it's a letter before action.


Once the SAR I will be claiming back the charges and punitive interest for her.


We may also stop payment altogether as the balance is going up even though we make minimum payments.



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I make payments via 'bill payment' from my bank direct. The cr card bill date is different each month so I just do it the minute I get paid. Because February is so short, I obviously got paid too late to hit their deadline. Very strange because the March statement payment date wasnt until 1 April....so their charging months are uneven, not at all helpful in trying to keep tabs.


I accept I made a mistake, I just think £500+ in interest for one single day's lateness is exhorbitant and almost criminal. And they get away with it.


They took a whole month to reply to my first letter....I don't see them paying ME for that delay!


Their last letter to me basicallly said 'tough' we dont give a hoot.

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