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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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Financial Ombudsman - a recommendation


BankFodder
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Phatram - excellent link to the petition. Added myself, wife, kids, cat & 2 goldfish to it !! No, seriously, just us two. Keep posting it to remind people, though !! Can we and mods add it to their sigs ?

 

Also un1boy - the Watchdog link - another one to plug away at !! I wish Anne Robinson was back on that job !!

 

And MP's - I'll have to pull my digit out and write a stiffie.

 

And of course, AlanFromDerby, we knew you'd do a big one !! Let's hope it lands fairly and squarely under the right nose. Well done mate.

 

Well done all you guys.

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Guest Battleaxe

Phatram

 

Kent and I added our signatures to the petition. I over looked that link yesterday.

 

Thank you for being proactive and getting this started.

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Phatram - excellent link to the petition. Added myself, wife, kids, cat & 2 goldfish to it !! No, seriously, just us two. Keep posting it to remind people, though !! Can we and mods add it to their sigs ?

 

Also un1boy - the Watchdog link - another one to plug away at !! I wish Anne Robinson was back on that job !!

 

And MP's - I'll have to pull my digit out and write a stiffie.

 

And of course, AlanFromDerby, we knew you'd do a big one !! Let's hope it lands fairly and squarely under the right nose. Well done mate.

 

Well done all you guys.

 

No probs - if you liked it, hit my scales! ;)

 

Also, if it helps, take a look at the letter I wrote to my MP and the progress of it:

 

http://www.consumeractiongroup.co.uk/forum/legalities/41134-letter-my-mp-please-new-post.html

 

It's a shame for things like this that our sigs don't show on every post anymore! :(

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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hi! i have been charged so many times and have had a few refunds as good will gestures. would this affect my claim? i also have a personal loan with my bank will this be a problem? i struggle to keep up with rising bills and regualarly rob peter to pay paul which is why i go over sometimes. it just isnt fair that the banks can charge me and for the charges they impose on my account. and why are they so much?

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Hi,

 

I had the same issue with my bank. I just added back any refunds onto the spreadsheet when I listed all my charges. As long as you put the correct dates in then it doesnt affect the interest statement at all and gives you the right figure at the bottom.

 

I would also recommend you start your own thread.

 

Regards

 

Rascal

Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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The Financial Ombudsman is a quango run by the banks themselves and as such has no vested interest in offering a fair service to the general public. What we need to put pressure on is the government itself to regulate the clearing banks.

 

Abby National

Bank of England

Barclays

Co-op

Egg

Halifax

Lloyds TSB

Nat West

 

These banks are allowed by charter to operate outside the laws of England when dealing with the nations finances and as such are allowed to get away with ripping us off at every oportunity. Clearance times have increased in the last few years despite pressure from the OFT and other bodies. The banks use it to manipulate our money and increse their revenue. I know this a bit off thread so please could the moderators move it if they wish.. Great work peeps...

Smile :) bank prelim sent 25 oct £180

Smile :) bank LBA sent 8th Nov

Smile bank Received £180 25th Nov :) :)

 

 

 

http://cloudbasspa.co.uk

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The Financial Ombudsman is a quango run by the banks themselves and as such has no vested interest in offering a fair service to the general public.

FWIW This seems well on-thread to me. It echoes my personal suspicions about the FO.

 

Can it be substantiated, though, Skyclad ?

 

Not a challenge as such - I genuinely don't know who really runs it, and I don't know how to find out.

 

Bill-k.

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What does FWIW mean?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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It's just come to me - for What it's worth!!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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It's just come to me - for What it's worth!!!

Glad I'm not the only one wrestling with forumspeak sometimes, mate. Yeah - it's fun just puzzling it out, sometimes, innit ?

 

We all slowly evolve our own, too. I use FOMTL (clue -see my location !)

 

Another one I got the other day was CRAFT, but I've forgotten what that meant. Geddit , yet ?

 

Post up answer for a free banana !!

 

HTH, BTW, but if you don't post back, then AFAIC - FU2 !!

 

:D

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Guest Battleaxe

Maybe we should text our complaint to the FO with acronyms.

 

I have to admit I have never used the text facility on my mobile phone, i can't remember the number,, that is why no-one has it.

 

ROFLOL...

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Maybe we should text our complaint to the FO with acronyms.

 

I have to admit I have never used the text facility on my mobile phone, i can't remember the number,, that is why no-one has it.

 

ROFLOL...

 

yes, they certainly seem to invite that, don't they ? I think I might have posted a rough template letter earlier to that effect !!

 

Predictive text - similarly dangerous.

 

You tell some nuisance caller to go forth & multiply. (Sorry - spread reputation)

 

Next thing you know, dearest mother-in-law has had the same suggestion - simply because your next text to her began with 'F.'

 

:mad:

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We all slowly evolve our own, too. I use FOMTL (clue -see my location !)

 

Hehe, yeh I know what you mean - hope you didn't hurt yourself! ;)

 

Another one I got the other day was CRAFT, but I've forgotten what that meant. Geddit , yet ?

 

Hehe, Can't Remember A F*****G Thing now, sorry mate.......

 

Post up answer for a free banana !!

 

I'll PM you my address to send the banana too, yeh?! ;)

 

HTH, BTW, but if you don't post back, then AFAIC - FU2 !!

 

Hmmm....this one, let's see.........HTH: Hope this helps.........BTW: By the way..........AFAIC - FU2 (eh?!)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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You tell some nuisance caller to go forth & multiply. (Sorry - spread reputation)

 

LMFAO!!! (see what I did there?! :cool: )

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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wunch? ;)

 

can you PM what "AFAIC - FU2" means? I'm intreged now!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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wunch? ;)

 

can you PM what "AFAIC - FU2" means? I'm intreged now!

 

Sorry, mate - I'm assuming too much here. When I see a Platinum poster, I assume they've been everywhere and got the T-shirt. This place is so big, though.

 

I don't think it has made Wikipedia, yet, but...

 

"Wunch" - the collective term for employees within the financial services industry. The expression usually takes the form:- " A Wunch of Bankers. "

 

AFAIC - " As Far As I'm Concerned. "

 

FU2 - "You also have my exhortation to go forth and multiply."

 

:lol:

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Sorry, mate - I'm assuming too much here. When I see a Platinum poster, I assume they've been everywhere and got the T-shirt. This place is so big, though.

 

I don't think it has made Wikipedia, yet, but...

 

"Wunch" - the collective term for employees within the financial services industry. The expression usually takes the form:- " A Wunch of Bankers. "

 

AFAIC - " As Far As I'm Concerned. "

 

FU2 - "You also have my exhortation to go forth and multiply."

 

:lol:

 

Hehe, cheers mate - I was aware of the meaning of wunch, I just thought you'd spelt "bunch" wrong, lol!!

 

Cheers for the rest!

 

As for the platinum, it just means I talk a lot of excrement to be honest!! hehe, only messing!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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I went to a lot of trouble re-programming my SpellChecker for the BAG forum - now it won't let me use the word *unch without changing it to Wunch !!

 

I'm also a member of the Hell's Advocates MotorMouth Club, Oakland, California.

 

Did you ever see that old classic film "Easy Writer" ?

 

Cheers mateys.

 

Hi-Jack over for today. :grin:

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Guest Battleaxe

I am flattered that you think my ears are delicate...

 

I did serve in the Army, I am a Services brat and attended a girls boarding school, and as my grandgather used to say, I had a mouth that would make a navvie blush.

 

I was a sad disappointment for my grandmother, who did her utmost to turn me into a Lady.

 

So, gentelmen thank you for considering me. I am eager to learn...

12810_0_39651_d.jpg

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