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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
      • 162 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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RBS - Getting ready to send


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Hi there, I have been getting my head around the process involved for a week or so and i think i am ready to claim (about £1500 on my RBS Royalties account since 2000). I will be splitting it into claims under £750 at a time. The only thing I want to look into a bit further is the potential problem of an RBS loan I also have. I feel if the bank started demanding money back from the loan it could be seen as victimisation or a revenge tactic as the loan agreement is a seperate contract to the account and it has been maintained perfectly since it was taken out. Does anyone know the best place to get legal advice on this one?

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As you've stated, it's a different contract from your bank account and unless there's a specific mention of the fact that the bank can ask for the money back at any time (as they can with an overdraft), then I think you'll be OK, especially as you've never missed or been late with a payment.

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Hi. Did you ever get an answer to what referral charges are? The best explaination I had was that its when something is referred to the manager to authorise payment. Not sur if thats it so if you know different I'd be grateful. Have you included these in your claim?

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If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Guest BlueRuby

I definitely included referral charges in my claim! They told me that they capped referrals at £60 (how kind) - every time a cheque or a direct debit comes out of your account when there are no funds to cover it, it is 'referred' and charged - in my time at £20 a time capped at £60. I think that's terrible.

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Guest BlueRuby

I just thought of something else. When I was with the RBS, when I got my statement there was a separate sheet with a note of what charges they were going to apply to your account the following month. THE REFERRAL CHARGES WERE NOT ON THAT SHEET. You have to go through your statements picking them out!

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Our account had nearly £2000 charges, mostly referral charges. Bookworm wasn't sure whether they could be claimed and told me to check what they were for. As I can't get a satisfactory answer I'm going to send them a letter before action including them all and take it from there. Thanks for the help.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Hi. Also, what address do you send your letters to, a head office or your local branch. I would prefer the head office but can't find an address on the web or this forum.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Guest BlueRuby

I sent my letter to my branch which was in Victoria, London but there are contact details for RBS on a sticky at the top of this link.

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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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