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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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Fraud - BoS not willing to investigate - blaming me instead.


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Hi All,

 

I'm currently with Bank of Scotland, well for the next 56 days anyway.

 

I'll start at the beginning:

 

I received 3 payments amounting to over 5k split between my current account AND ISA account.

 

I was not expecting these payments (initially thought possibly sent by family - unfortunately this was not the case)

and so contacted Bank of Scotland to notify them of this.

 

 

I was told to either move the money into another account as to ensure that I wouldn't spend the money

or leave it where it was (which I did) and wait for a letter notifying me the money would be taken out and paid back to the original sender.

 

The next day or so I went to the bank to withdraw money,

card was swallowed by cash machine

 

 

I then went into branch to discuss this - was asked to bring in more ID,

did this and was then told my account had been frozen.

 

Turns out the payments were not made in error but rather fraudulently

- They were FPI payments so I assume they were paid from the other party's online account.

I was told I would receive further information the next day on the issue.

 

The next day I am told my accounts will be closed as they believe I am behind the fraud.

 

 

At this stage I did try to discuss why they thought this and how could I prove otherwise etc

but was met with only the phrase (along the lines): "The account will be closed and no more offered"

 

I did also ask if I would have any type of markers against my name now which would affect me

and was told no initially and then when I probed further was given a "maybe"

 

Doing some research on my own I see that in these situations bank will apply for a CIFAS

which is very serious as it can affect employment and access to other accounts from different banks.

 

I am of course extremely worried by this whole mess as I fear it could now affect my current job which is in Insurance

- who of course will be unlikely to keep someone on with a fraud marker;

as well as any future employment I may seek.

 

To the best of my knowledge none of my account information has been stolen or compromised

- It seems to me from my conversations with several Bank of Scotland staff If I was to have lied and said my card was lost etc

I probably wouldn't be in this situation of being blamed.

 

I accept it may be possible my online account was hacked or card details copied/cloned but as I said to the best of my knowledge this is not the case.

 

Any advice on this whole situation would be greatly appreciated,

as well as any information you may have on CIFAS and how long it lasts

- If it is applied for I will of course appeal this

and if anyone else has any experience of this Id like to hear from you also.

 

Thank you all for reading this rather long post.

 

-Sofail

 

P.s before anyone asks, NO I am not a fraudster. I am innocent and another victim of this fraud in this whole situation.

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so sounds like a PPI? reclaim from some other bank?

and other person

 

 

has been paid into your account in error?

 

 

I wuld certainly be getting anything said IN WRITING.

 

 

i'e the bank ack'ing its nowt to do with you rather than face to face branch discussions/phone calls.

 

 

protect you backside in all instances.

 

 

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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opps cant read says FPI!!

 

 

silly me.

 

 

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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