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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
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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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Advice on Mortagage with Abbey Please


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Has any one requested the charges incurred on a mortgage? When I took out my mortgage with Abbey they set up the repayment, which was a standing order, when i went to them 10 years later to discuss my mortgage, I discovered that I still had 18 years to pay and not 15. When I questioned this, they said that because I was paying by S/O the payment did not clear till the 2-3rd day of the following month, and it was due on the last day of each month, therefore interest had acurred for the whole year. Rather than request the interest from me, they felt it better to add this to my mortgage. i had not been told any of this at any time till I had reason to go to the bank. if I had been told then I would have changed the payment method or date.

 

Hasen to add I moved my mortgage. Should I start the process to request the charges?

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I have no idea about whether it's the same process for mortgages, but it sounds to me as though they should have informed you of this before the 10 year mark!! Were these extra charges clear on your annual statements? Also seing as with the bank charges the limit on claiming is the last 6 years so this would probably be the same in this instance.

 

Anyone else out there with a view on this???

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Well I thought being I have nothing to lose, i may as well try and get something back. So I sent the DPA letter on 3/4/06 requesting the statements for the last 12 years along with the £10 cheque.

Today I received a very polite letter from Abbey stating

 

" From the information supplied by you arrangements have been made to search our files and systems for this data and our findings will be forwarded to you within the statutory 40-day period, which commenced on 4/4/06.

Please note under the data protection act disclosure request, you will only receive the transactional information that is held on our systems. i regret the the DPA does not cover microfiche, but to assist you and for good customer service we will send these records to you in due course."

 

I will keep you updated as I progress.

 

Next stage will be the refund letter.

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  • 3 weeks later...

Well I received every bit of information regarding my mortgage right back to the first ever letter offering me the mortgage.

Looking through the statements, I was charged interest each April and then again each December. I have calculated roughly £1200 in the dec interest charges that they owe me.

 

Letter sent for the 1st refund of £1200.

 

Lets see what they offer if any?

 

__________________________________

BARCLAYS JOINT ACC = £390

BARCLAYS SINGLE ACC = £175

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best wishes keep us updated!

Natasha

 

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)

sent reminder email on 17/4/06

called abbey on 19/04/06 to remind them:rolleyes:

sent another email on 26/04/06:mad:

Approx charges £2500

received £500 refund in dec 06

sent LBA

Capital one- sent DPA letter 17/03

Sent prim letter for charges of £260 14/04

Received a refund £109 awaiting further refund of £151

Settled IN FULL

Barclay card- Sent DPA letter 17/03 sent reminder 14/04

received info claiming £120

settled in FULL

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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