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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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Correct APR for Current Plus?


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Hi,

 

I've copied & pasted all my transactions into a spreadsheet. However I'm now stuck with trying to find out past APRs for overdrafts. According to their website, the current EAR (which I assume is the same as APR) has been 19.89% since 2nd August 2010. The previous EAR is stated as 19.24% from 28th April 2008.

 

I have downloaded the spreadsheet (CompoundSheet_v1.8.xls - not sure if that is the up-to-date version?) to calculate what the bank owes me. However I can't figure out which percentage to use. There is a field at the top of the sheet for the APR, however it seems that it is changed every year or so, so I am clueless as to what figure to use, especially as I don't have the figures for the period before April '08. I have checked the forum for information on this but haven't had any success.

 

Over the last 5 years since I have had the account, the bank has taken over £1,200 from me and as I am on benefits due to my disability, this is a huge amount of money to me!

 

Thanks for any help with helping me to reclaim those fees.

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me thinks you also need to investigate the

notice of appropriation letter

in the library tab top left of your thread

 

as for the interst info here are some links that might help you working it out

 

http://www.stoozing.com/mon2yr.htm

 

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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Thanks. I did send them a letter once asking for my right of appropriation with regards to a payment that I was expecting, but they ignored it at the time so I was p***ed off and didn't bother making any more claims after that. Unfortunately I recently found the letter as I was going through all my paperwork and threw it away so I have no proof. However I will send them a letter as described in your link just in case I ever go overdrawn again. Maybe I should also write in my claim that the fees were taken from my benefits which were intended to cover my costs of living, and therefore should have been appropriated anyway.

 

Calculating the interest is probably very difficult unless I find out the historical APRs, as they seem to have changed at least twice since I've had my bank account. I'll probably use an average of 19%, citing that the actual overall percentage is probably higher than that but that as a gesture of goodwill I am willing to waive any amount above that

 

Dec 2005 - Apr 2008 = ? for 28 mths

Apr 2008 - Aug 2010 = 19.24% for 28 mths

Aug 2010 - now = 19.89% for 1 mth,

 

so I'm probably fairly accurate with my calculation, although maybe the bank can tell me what their APR was before Apr 2008 so I have the exact figure.

 

I'll be starting a new thread to write about my progress. Meanwhile thanks for the support.

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