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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.
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      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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Really hope someone can help me r.e bank transfer


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Hi all,

 

I was on my lloyds tsb online banking and I accidentally transferred the money to an old nationwide account i haven't used for a couple of years and was £222 overdrawn.

 

I rang Lloyds straight away and they said there was nothing they could do and I should contact Nationwide.

 

I rang Nationwide and they said as it was £222 overdrawn it's now £78 in credit and they can't do nothing for me despite it being my holiday money for 3 weeks time which i've now lost and the fact it was an error.

 

I didn't type in the details it was an existing payee which i used once around 2 years ago i was meant to have deleted it from the payee list on Lloyds online banking.

 

I know i'm clutching at straws here but I'm desperate as I've just lost my holiday money, I was supposed to transfer it over to my Natwest account for safe keeping but accidentally clicked on the wrong account.

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Oh and I forgot to add that i think the reason that account is overdrawn is that most of that money owed is all bank charges and

 

I have been on Jobseekers Allowance previously now Employment Support Allowance,

 

I have claimed benefits for the past 3 years so these bank charges from Nationwide aren't legal are they?

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unlawful as they are PENALTIES?

 

I don't think you can pull the benefits & charges

as you transferred it not they took it directly.

 

i'm wondering though if a bcobs complaint to nationwide might work.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your reply, well no I have no money to live on, that money was from my disability money, I have contacted my MP who surprisingly replied late tonight within about half an hour of emailing him and he's said he will do his best to try and do something for me.

 

I will try the BCOBS thing though, I dread to think how many charges would have been applied over the past 2 years.

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Oh and I forgot to add that i think the reason that account is overdrawn is that most of that money owed is all bank charges and

 

I have been on Jobseekers Allowance previously now Employment Support Allowance,

 

I have claimed benefits for the past 3 years so these bank charges from Nationwide aren't legal are they?

 

The fact that you were claiming benefits doesn't make the charges unlawful.

 

I'd also be weary of what dx100uk is saying about penalty charges being unlawful too. You'd be talking about court action and I can't say that I have seen any recent successful cases (although I haven't been actively looking for such information either).

 

If the account was still overdrawn, the only route I could have seen working was if you were experiencing current financial difficulty and you asked Nationwide to positively assess your affordability.

 

holiday money for 3 weeks time

 

I have no money to live on

 

I'm a little bit confused by these two (seemingly) conflicting statements?

 

At the end of the day, it was your mistake and you may be short on some holiday money now but one positive result is that this debt has been paid off and you no longer need to worry about it.

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The fact that you were claiming benefits doesn't make the charges unlawful. - under BCOBS it does

I'd also be weary of what dx100uk is saying about penalty charges being unlawful too. - any PENALTY charge is unlawful re FCA/FSA's own description

 

You'd be talking about court action and I can't say that I have seen any recent successful cases (although I haven't been actively looking for such information either).

 

that's show - there have been numerous BCOBS PENALTY charges successes - particularly say with Santander .

 

there are lots of others too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

that's show - there have been numerous BCOBS PENALTY charges successes - particularly say with Santander .

 

there are lots of others too

 

dx

 

BCOBS and penalty charges being unlawful are separate issues.

 

But anyway, under BCOBS how are bank charges unlawful if somebody is claiming benefits? And how would you go about arguing that in court?

 

Also where does the FCA suggest that penalty charges are unlawful?

 

That's very interesting information about these numerous successful cases though. Do you have any specific links dx? - it would be informative to me and I think really helpful for the OP.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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