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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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Welcome/Cattles 'misplace' customer information discs!


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http://www.thetelegraphandargus.co.uk/news/local/localbrad/9438853.Fraud_fears_as_loan_firm_loses_discs/

 

In todays local newspaper......

 

More than a million customers have had their personal details “lost” after a data mix-up at a loan firm’s Birstall headquarters. The Cattles Group, which owns Welcome Finance, has written to customers informing them that two back-up storage discs with private information about 1.4 million customers have been misplaced. Marlene Proctor, 31, from Wibsey, was one of the customers who received a letter saying the firm cannot account for her personal details, including bank details, national insurance number, date of birth and address.

 

The firm claims there is no evidence to suggest the details have fallen into the wrong hands, but Miss Proctor says the ordeal has left her fearing her details could be used by fraudsters. She said: “It’s meant to be reassuring, but it’s not. No one knows where my details are and who has them. “What’s going on? It’s hard enough to get loans or get good ratings without some fraudster type stealing your identity and making it even worse.”

 

In its letter, the firm said an investigation was now under way at its Kingston House offices, where the details were lost. As well as customers’ details, the lost IT discs included human resource data about staff who are part of the Cattles Group. A spokesman for the Cattles Group confirmed two tapes were missing from its Kingston House building in Birstall. It was discovered at the end of November and an investigation was started immediately, a spokesman said.

 

The loss has been reported to the relevant authorities, including the Information Commission and its regulators the Financial Services Authority. The Cattles spokesman said: “The storage tapes contain low-level personal data relating to 1.4 million customers, limited to names and addresses for 800,000, but also including date of birth and payment history for 600,000. "

 

The tapes also include HR data relating to staff in employment with the Cattles Group up to October 2010. A process to inform affected customers and employees is under way. There is no evidence that the information has fallen into the wrong hands or been used maliciously. However, Cattles takes its obligations to protect personal data of its customers and staff extremely seriously and we deeply regret what has happened"

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Any complaints should be made to the Information Commissioner.

 

I agree it is very worrying.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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