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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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Natwest - Extremely Unhelpful and Unfair (IMHO)


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Hi all, newb here, I have alot of probs with NWB ..... where to start.

 

Ok been with them for about 13 years (& every year they increased my o/d facility without asking).

 

About 5 years ago I wanted a small personal loan for house improvements etc.

They were eager to help & managed to talk me up from £3000 to £5000 (better interest rate & longer term) and suggested that I should have ppi.

 

2008 I went self employed at work - Nightfreight multidrop parcel delivery.

So I approached the bank who were again eager to help & set up a soletrader business account with an overdraft facility etc.

 

Long story short, the nightfreight work evaporated mid 2009 & I really struggled from then.

 

By Jan / Feb 2011 after a catalogue of disasters I decided to cease trading, get a job, sell the van, cut my losses etc etc.

By then my income was nil, personal a/c was at o/d limit £2500, business a/c was at o/d limit £8000 & there was nothing left to pay any bills or buy food etc.

I had to borrow off my parents (from their pension fund).

 

NWB business advisor was never available & wouldn't return calls.

Meanwhile, the charges, fees & interest just kept adding up.

 

In April I got a job (paying £6000 less thatn I earned 10 years ago!)

& went about shutting the business down.

 

Officially ceased from 30 Sept 2011, with only the last VAT return & income tax to sort - which won't be much.

 

Meantime, personal loan hasn't been paid & has £1500 outstanding cos nothing in personal a/c

- but charges fees & interest mean th o/d has gone to over £4000.

 

Business a/c is at £6000o/d (within the o/d limit) but the a/c is frozen. (the personal a/c has now disappeared from my online banking page)

 

October I spoke with NWB business collections & fully explained my situation to them & asked for their help in moving forward.

They went through my income expenditure & then told me that I didn't have enough to pay anything against my debt & gave my a month to "come up with an alternative"

otherwise they would "take action".

 

I've just received several letters "Formal notice of intention to file a default and to take action to recover the debt" from NWB

telling me that they are freezing & closing all my accounts (10 days after they actually stopped my debit card) and giving 28 days to pay up just under £12000.

 

I have sent a data request for the last 6 years on my personal a/c, as I intend to claim back charges/fees/interest etc. As a sole trader can I also do this on the business a/c ?

 

As regards their demands for debt repayment, what's my next move ??? - IVA ? Bankruptcy ?

Please advise.

TIA

G

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yes def get reclaiming!

 

could you not put in a claim on the PPI?

 

it seems to me you need to concerntrate on getting everything

in writing now only.

 

they've not and are not being at all nice to you here.

 

i'd even guess they are trying to cover things up too.

 

irrresponsible lending springs to my.

 

all they did was just put you in more debt

what they knew you could never repay if the truth were known

 

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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