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    • how did you pay them? dx  
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
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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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Full settlement on 2 a/cs so far - 2 to go


clairej
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Hi all,

 

Two accounts with lloyds TSB settled in full for £1,224.00 & £1,417 plus interest & court expenses

BOTH SETTLED IN FULL - NO RESPONSE FROM BANK TO COURT

 

Royal Bank of Scotland

Summary Claim action

SC568 & SC566

£969.00 & £910.00 plus interest & court expenses

 

BANK RESPONDED WITH INTENTION TO APPEAR FOR BOTH CASES

I'VE GOT TO GO TO COURT TOMORROW, JUST IN CASE THEY TURN UP.

THE ONUS IS STILL ON THE BANK TO PROVE IT COSTS THIS MUCH FOR THE CHARGES

HAS ANYBODY GOT ANY GOOD TIPS FOR ME TO QUOTE TOMORROW?

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Hi

 

Ok, this is my first post and I don't really know too much this. But i'm interested in the outcome with this bank.

 

Here are my thoughts at this point and what I am considering saying to my bank manager tomorrow (I should add, I haven't read the FAQ, or done all my research yet!)

 

If it is maintained that the bank charges for bounced direct debits or unauthorised overdrafts are based purely on costs and are not punitive.

 

I would argue - How can it cost £30 to assess whether or not a direct debite should be payed, or £20 to grant an unauthorised overdraft? This is an automated decision, made by the bank's system, based on the available account data. Said system does not charge users if they do not have necessary funds to withdraw money at a cash point - and yet this decision is made on the basis of the very same account data everytime. Levying a £20 or £30 charge everytime such transactions are authorised within the bank's system is clearly disproportionate and punitive. Such decisions involve accessing and assessing data which is easily accessible within the bank's system, and that this is done so on a regular basis. There is no basis for a charge.

 

Like I say this just my current take, but i'm interested to hear what happens.

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she won, she won, she won.........got approached with full settlement before case began!

 

Also - Allo - calm down and read the threads, dont go marching in. Follow the steps like everyone else has done and you'll be fine. My advice is simple....read, read and, when youve finished, read some more. It's all in here:D

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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