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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
      • 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 got into a massive mess with Credit Cards so much so that due to the unlawful charges I had to sell my house this year to pay them off - I had four in total a credit limit altogether of £2,000.00 but ended up paying back nearly £4k, just due to charges. I know that there are a lot of people out there in the same situation and this site is really useful. I am currently dealing with NatWest claiming back my charges but have decided that the CC companies are not going to get away with it either. I had Halifax, Capital One, Citi and Monument, but only problem is I paid them all off in February this year.

 

Does anyone have any idea of how to get the Capital One account number (or any of the others) that I held, I have checked all my stuff and seem to have thrown everything away after the move - convinced that I would never need it again or want to go and use another credit card again in my life.

N ELLIS

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hi write to the credit card companies involved, provide evidence of who you are the then have to give you all the information you require. If you follow the FAQ this will guide you through the whole process to recover YOUR money!:D

 

goood luck if i have helped please click my scales!!!

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dont know if it helps but when we moved we had to pay off cap one as part of the mortgage deal, therefore our solicitor had details of the account number. I just phoned him and asked him nicely if he would provide it to me which he did after about half an hour

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Hi Ellisn.

 

I would personally go and ask for your credit reference files from EXPERIAN and EQUIFAX. They are online and cost £2.00 each to have them sent to you. This will enable you to get all of the information you need. Also you can see if you have been DEFAULTED on the cards whilst running up those charges.

If you have been Defaulted by the card companies because of charges putting you in that position, you should be able to have the defaults removed.But this is quite a long process.Please read this site and FAQ'S over and over again.This site is like a good book, but always check through things thoroughly yourself.

Hope this answers your question.

 

Good Hunting Ukaviator. . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thanks guys, I have read, read and reread the FAQs so much so that I am dreaming them, I just see everyone doing court claim forms and it scares the life out of me, I like to think that I am an intellegent person but this all seems like a lot. But I am doing it, so that I can show my friends (sceptics at the moment) just how easy it is to beat the banks and credit card companies at their own game and hopefully win.

 

So thanks again for all your advice,

 

Nikki

N ELLIS

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Thanks guys, I have read, read and reread the FAQs so much so that I am dreaming them, I just see everyone doing court claim forms and it scares the life out of me, I like to think that I am an intellegent person but this all seems like a lot. But I am doing it, so that I can show my friends (sceptics at the moment) just how easy it is to beat the banks and credit card companies at their own game and hopefully win.

 

So thanks again for all your advice,

 

Nikki

 

good it does seem daunting but really its not especially with all this help here.:D :D good luck nikki

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Hi Nikki.

 

Don't worry too much about the Court side. They seem to always back down.

I heard yesterday off the record with a girl at Lloydstsb is that they will only pay out when a court claim is issued. They are hoping people get scared at that thought and back down.You may have to go through the motions, but at the end of the day the charges are unlawful. Keep reading this site over and over again. I am still learning everyday, and i have 7 claims on going. Mortgage redemption penalties are 2 of them. The thing you need to realise is that you should always be prepared to go the full distance. Have a defence ready in case they take you on. You never know. Help is here and there is also a buddy system here to help you if needed. You can live chat if you have an important question. Always check the information for yourself though. And if you win, a donation to keep this site going. People power rules. The peasants are revolting

they said in the old days. Dawn right we are.

Good luck with the claims.

 

Go Get Em. . . Ukaviator..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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U guys are great and all I can say is thanks again for all your advice, I have wrote to all the credit card companies - preliminary just to get my account numbers etc then once this has been recieved I can start on sending off SAR and getting copies of all my statements- the postie will love me!

 

Natwest have sent back a bog off letter and I am just doing my LBA and sending that off today which I expect to get back another bog off letter, but your right I would have thought most CC companies and Banks have been told to delay as much as they can in the attempt that people will give up, but after reading lots and lots of threads I know that there is plenty of people out there that can give me advice.

 

Deffo be contributing donation on every claim that I win, and will be spreading the word religiously.

 

Thanks again

 

Nikki

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