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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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I had a business account with NW and recently sent them a SAR (and £10 cheque) which they received on 16th August

now well in excess of their 40 day requirement I have also now sent them the letter before court action,

time period also expired without any contact.

Wherer do I go from here?

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had a secured loan off them for £15000, but due to illness had to close business, I however inherited some money last year and paid off outstanding loan £15750, yhey cannot give me details of interest or rebates as they combined this loan with an overdraft of £5000 which is still outstanding, they now say that The overdraft is also secured on property, but this was signed for about 6 months before the loan, and only personal guarantee given.

 

I am paying NW £50 per month off the overdraft but they are still charging me £1.04 per day interest and they say that if OD is not paid in full by Jan 2013 they will commence reposession proceedings.

 

The thing is I dont appear to have a copy of the loan agreement. I know its now settled but I have nothing stating interest rate, term etc,

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For a Ltd Company you would need to ask them for what you want (as a director of the company). They may charge a fee for supplying stuff.

 

For any data that is your personal stuff then that can be dealt with via SAR.

 

You can't SAR for the company stuff though.

 

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For a Ltd Company you would need to ask them for what you want (as a director of the company). They may charge a fee for supplying stuff.

 

For any data that is your personal stuff then that can be dealt with via SAR.

 

You can't SAR for the company stuff though.

 

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Just when you think things couldnt get any worse,,,, Letter received today from NW asking me to settle loan which was settled over 6 months ago, can anyone tell me what amount do you think they are after in their letter? s it the £11785 the £3465 or both?

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  • 2 weeks later...

yes signed a personal guarantee, which I accept and I am willing to pay but they are not helping.

Also had a business loan secured which is now settled but they combined the OD and Loan and they now say the OD IS secured on property

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had a secured loan off them for £15000, but due to illness had to close business, I however inherited some money last year and paid off outstanding loan £15750, yhey cannot give me details of interest or rebates as they combined this loan with an overdraft of £5000 which is still outstanding, they now say that The overdraft is also secured on property, but this was signed for about 6 months before the loan, and only personal guarantee given.

 

I am paying NW £50 per month off the overdraft but they are still charging me £1.04 per day interest and they say that if OD is not paid in full by Jan 2013 they will commence reposession proceedings.

 

The thing is I dont appear to have a copy of the loan agreement. I know its now settled but I have nothing stating interest rate, term etc,

 

What were the loan and overdraft terms and conditions?

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Natwest Chief Executive: Stephen Hester

 

Address:

PO Box 1000

Gogarburn

Edinburgh

EH12 1HQ

 

email:

[email protected]

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

I have still to receive copies of my Business loan agreement from NW. I am under the impression now that I have not actually signed a loan agreement, NW have sent me a blank, general loan agreement without signitures, AND will not respnd to requests for signed copies.

 

This loan has now been settled, what would it mean if no loan agreement was signed in the first place?

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  • 1 month later...

Hi anyone got any advice for this...

I have recenly settled off a Secured business loan, settle account off early, but I am unsure whether the loan was ever valid, I cant recall ever signing a loan agrrement, and despite trying for nearly a year now NatWest is either unable or unwilling to supply me with a signed copy, they have however sent me an unsigned copy.

 

What would happen if no agreement exists?

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  • 2 months later...

About a year ago I settled a business loan paying NW £15750 to settle this consisted of 3 separate payments

NW have been sending me arrears letters stating I owe them £3400 they say this is the balance outstanding

 

I have been trying for about a year now to sort, even sending letters to their CEO, in March I raised an official complaint, however I have received letters from them stating that they are looking into my complaint, but not a week goes by without receiving a letter from them advising that they will contact me by a certain date, however I have now had 5 dates?

 

Also it would appear they cant find my original signed credit agreement, they have only sent me an unsigned copy, think there is something fishy here.

Any comments please

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time to sar them me thinks

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hi I had a business (Ltd) that collapsed in 2010, I had a business loan and overdraft.

I have now repaid the loan as it was secured, But I have recently contacted the bank for a copy of my

Overdraft agreement, but they say they cant find it, is this enforceable or just my wish full thinking?

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  • 2 weeks later...

Sorted now with, NW now

 

They have confirmed that the loan is now settled

 

they apologised but without explanation

 

also sent me £100 compensation and £42 to cover expenses.

 

However they still have not sent me a signed copy of my original agreement just their unsigned copy

 

ALSO they have stated that they cant find copy of my overdraft agreement, is this still enforceable without it?

 

Well almost there its only taken a year,,,,,,,

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