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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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halifax fraud team stop my access to my online banking?? closingaccount


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hi,

 

i sell on amazon and have been using halifax for years for my amazon payments,

 

on the 3rd october i opened some new online savings accounts putting 1 pound of my own money in them, which i was going to use on for selling on amazon,

 

after which my online access was restricted, i only found out about this yesterday, phoned them got through to the fraud team, which for very rude and unprofessional, intimidating almost, basicly i said i opend couple of onlinne saver as i sell on amazon, the guy said i will never need this many accounts,you could be doing pay day loan frauds with theses what ever that meant,

 

then he bluntly said we are closing your account, go to your nearest branch and take out all your money, thats my only options

 

there is probably over 2000 pounds in the accounts, i phoned up an complained, and they have opened a case, they basicly put me on holl for an hour after which they hung up, phoned a few times though and eventually got a case opened up, amd threatend the finanical ombudsman etc

 

after reading this forum and hearing all the stories about halifax it would seem i might be wasting my time complaining??

 

anyone else any experience with this?? what would be the best way to deal with this??? the halifax account are not my main accounts but i was happy using the online banking??

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The have identified that your activity matches that of a fraudster.

I don't know what your selling on Amazon but you may be liable to paying tax. In this case, it would then also be against the terms and conditions of your personal bank accounts to be using them for business purposes.

 

You're lucky you found out the reason they're closing your accounts.

There probably isn't anything you can do and they won't change their decision.

They are within their right to select which customers they want to do business with.

They don't want to do business with a fraudster or somebody who breaks their terms and conditions (I'm not accusing you).

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Banks at no pint have to give reasons for closing accounts... They can withdraw you banking services whenever by sending you a letter "notifying you"

All banks are a PITA however I think youd be better off moving... Coop offer a Cashminder account through their website...

 

However i would also advise you look at your credit file and make sure there is now no Fraud warning on there.

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You can check your credit files with the 3 main reference agencies.

 

Equifax

Experian

Call Credit.

 

I understand there is another one called noodle but that only gives an overview.

 

I believe there is also something called CIFAS which is an agency that the banks use in respect of Fraud.

 

If you sign up to one of the main 3 on their 30 day free offer - do please remember to cancel it else you will be charged something like £10-15 per month !1

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Opening 'savings' account to supposedly trade in any form is going to raise money laundering suspicions.

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