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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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Thegoodgirl v First Direct - long story sorry!


thegoodgirl
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Hi everyone.

 

When I first started thinking about making a claim for unfair bacnk charges last year, I took the advice on here and set up a parachute account with FD.

 

In the end, I got too busy - moved house, got married etc, and decided that I didn't have the time, or bottle to make the claims.

 

I took on a part time job to make some extra money for the wedding etc, and had this paid into the account, telling myself that I would not make use of the overdraft...famous last words.

 

Things got a bit out of hand and I ended up spending the money AND going into the overdraft (which had a limit of £500). After the wedding I got a new full time job with more money, so I gave up the part time one, and thus stopped paying into the First Direct one. By this time Christmas was upon us and money tight again so I thought it wouldn't hurt to wait until the new year to clear the OD.

 

Boy was I wrong. To cut a long story short. In the 3 months that I had not made any payments into the account, the charges from FD pushed it further over the OD limit to about - £700 (about £250 in charges). I then phoned FD as I was concerned about the state of the account and the charges, they said that they were also concerned and after a discussion with the helpful call centre person, we agreed that I could pay £100 into the account each month to get the OD paid off. Which was fine, I duly paid for 3 months, but then I forgot to pay one months, and received a letter telling me that I was misusing the account and that they were closing it with immediate effect and that I should pay the balance. Phoned and told them that I could not pay the balance, and again they agreed that I could continue with the repayments.

 

3 months on and I have now brought the account up to date. But have not received any affirmation as to whether they are definately closing the account. I would really like to keep the account as a parachute as originally intended.

 

Is it worth my begging them not to close it? The thing is, I would really like to claim for their charges, but I'm presuming that this will **** them off and risk them closing it anyway. So should I just put and shut up? Or move on and try applying for yet another account?

 

What a mess.

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Guest Mumofthreeboys

I would have thought if they'd closed it you would know by now. Anyway, it doesn't make any difference if it's closed or not, you can still claim back the charges on a closed account.

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