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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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Maintenance charge

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Apologies if this has already been addressed elsewhere, I've had a good read through everything and can't find an answer.

I am going to have £20 deducted from my account on 16.08.10 as a maintenance charge for accidentally going £4.45 over my agreed overdraft limit.

As I am currently on long term sick and having to claim benefits of £261.80 per month, which goes nowhere near covering all my outgoings, is there anything I can do to appeal this?

I am religious about checking my account as I have been burned by another bank before. The only way I can see this has happened is that when I've checked my balance at an ATM a direct debit for £10 on that day had not been deducted, and I was convinced I was safe to buy some petrol. Obviously not and I could kick myself. I remember checking the bloody balance and doing the maths.

Any advice would be gratefully received. Thanks.

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Sorry for being a nuisance. I've been in to the bank to speak with them and got a flat out refusal for them even to discuss my maintenance charge. Nice customer service. I told her I will be writing a letter of appropriation and the woman told me to just send it into my branch. Following the advice on the above link, I'm going to deliver the letter by hand tomorrow, post one in to the branch and send one to their customer services dept.


Could anyone confirm if this is still the appropriate address, or is there a more up to date one?


NatWest Customer Relations,

Freepost NAT12685,





Thanks in advance.

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So, I got to speak to an actual, decent, human being when I rang Natwest yesterday. A direct debit had been taken earlier than it was due and I rang to check if I was going to have a second maintenance charge put on my account next month.

As a gesture of goodwill they've waived my £20 charge for this month, as I was only £4 over my limit.They hadn't received either of my 2 letters of appropriation/expenditure forms I sent, though. And they recalled the dd that would have put me over my limit for one day, so at worst I may just have a £5 recalled payment charge. I was pleasantly surprised by their attitude after being stonewalled in my branch. It pays to talk?

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