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    • thought your story rang a bell. https://www.consumeractiongroup.co.uk/topic/416315-knightsbridgecreditfix-iva-treated-me-very-badly-thinking-of-bk-now-help/ you vanished and never cameback. dx  
    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
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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.

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      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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Santander


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Paid my wife's store cards on line on Saturday, went through as faster payment on the new account details Santander supplied some months ago.

 

Thought nothing more of it until this evening when I start getting automated calls from their collection department, saying the account is in arrears.

 

My wife went through to their Asian call centre and the operator said Saturday was not counted as a working day, payment did not process in time and there would be a £12 charge for late payment, he could not stop the default charge.

 

When my wife asked to speak to a supervisor she was cut off.

 

Thought faster payments were meant to go through at anytime, is the fault at their end, or have I made the late payment? It was due on Saturday so they should have the process in place to deal with payments.

Don\'t let the B**tards grind you down

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Any payment other than cash into an account made

on a Saturday will not be processed until Monday.

As the due date was the Saturday the payment

shoud have been made on the Thursday to reach

account on the Friday some ''faster'' payments

may only just a little faster than the noemal 3-5

days for the payment to reach the recipient account.

 

Efficiency is not a word often associted with Satander.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thought faster Payments take 2-3 HOURS, any I have made before went through that quick.

 

If you do it 0930 on Monday morning etc., I agree but weekends seem to be a no no.

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Thanks, will just have to letter them, maybe trying to manufacture money for when their Storecards collapse due to court ruling.

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From the faster Payments website:-

Single immediate payments

 

Customer input using online or telephone banking or using a branch based service.

Payments are available 24 hours a day, 7 days a week. The system provides a positive response to the customer bank within 15 seconds, and providing a reason for any rejected payment.

The money must be available in the receiving customer account within 2 hours.

Value limit of up to £100,000.

 

When my wife spoke to the Asian call centre she was told it was a Bank Holiday, hence the reason it did not go through.

 

It was certainly a Bank Holiday one year ago as it was the Royal Wedding, Santander probably have just carried the date forward.

 

Some schools in our area were closed on Monday due to heating that was turned off, this was controlled by a central computer that had a holiday programmed in because of the Royal Wedding one year ago, it shut about 20 schools.

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Spoke to HBOS this morning, they tell me it went through their system as a faster payment, it was rejected by Santander, and taken on the Monday, therefore incurring 2 penalties of £12.00 each, how much money have they managed to generate over the weekend and from how many customers?

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Time for a formal complaint to both banks I think!!

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Only one bank at fault here, our friends at Santander, wonder how many people will be affected and will be oblivious till they get their statements.

 

My letter is away to Santander.

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