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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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honeygie v HSBC *****WON*****


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Hi Honeygie

 

No your not stupid, it seems confusing to everyone at first. First thigs first, have you had a really good read of the Step by step instructions and the FAQ's? If not, here you go; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html.

 

After spending a couple of days familiarising yourself with the process, reading some 'successes' threads, etc, your next step is to find out exactly how much you have been charged. You can claim back a maximum of 6 years, and re-claimable charges are all those imposed for defaults, such as 'card misuse', 'DD/SO Recall' and 'Total charges to **/**/**', etc.

 

If you have'nt got all your statements for the last 6 years, you need to ask HSBC to send them to you by making a 'subject access request' under the Data Protection Act 1998. There is a template letter in the library; http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html. Don't forget to send the £10 fee and send it recorded.

 

If you do have access to your statements going back the full 6 years, then you need to add up all the relevant charges and put them onto a spreadsheet; http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html.

 

You will then have the total value of your claim, so you can write to HSBC with a 'Preliminary approach for repayment' letter. Again, you will find this in the templates library; http://www.consumeractiongroup.co.uk/forum/bank-templates-library/. Send it off along with your spreadsheet and that will start the clock ticking untill the next stage.

 

That should keep you busy for now, remember to take in as much information from the site as possible - everything you need is contained here somewhere, mainly in the step by step instructions and FAQ's.

 

Good luck!

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Take it one step at a time and you'll be fine.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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If you are sure you have all your statements then you may as well proceed straight to your prelim letter. When adding your charges up into the spreadsheet, remember that the 8% interest does'nt get added at this stage.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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