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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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Barclays Bank - Additions, Reserve Charges and Overdraft Interest - Genuine Hardship Claim


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No pasa nada ^__^

 

Luckily i lived out there for 4 years haha

 

Right okay... The issue here is Bank Charge.s.

 

Now as you very well may know, there was a Court Case and it was deemed that the charges were fair. Now Im sorry to hear that youve had a bad time. However, we should be able to help get you back on your feet,

 

Unauthorised overdraft fees

Transaction charges for insufficient funds in account

Paid referral fees

Items returned fees

 

You wont get anywhere with the above UNLESS, you follow our or MSEs guide to a financial hardship claim. However, the banks are tough to get them to turn around. I managed with Lloyds, but it took 3 years, and that was without FOS help (FOS will just say Court case yadda yadda)

 

Additions fees

 

If thats the name for an "AVA" (Thinking Lloyds here) (Added Value Account - Silver Platinum etc) then you could very well stand a chance of reclaiming this money.

 

IF they have been missold to you, and you HAVENT used any of the facilities etc / If you were told that you needed to have it to get an OVerdraft etc / Told to have it to get preferential rates when actually it wasnt the case / etc etc

 

You may stand a chance, however YOUR Statments are key here, Barclays wont have statements going back as far.

A DSAR will get you 6 years worth of info. and this could help you somehow.

 

Personal overdraft usage fees

Overdraft interest charges

 

The above will not be challengeable. These come as standard with any OD.

 

Reserve usage fees

 

Barclays own, you wont get anything with this.,

 

I would suggest summing up all the charges you have on your statements and let us know how much per each one you have.

Then ill help you draft something.

 

Slick is also looking at this thread and may have some advice.

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Going bankrupt or into debt managementicon -YES, for my defaulted credit card which I am now behind on as well

 

NO! No DMP (Fee Paying / IVA) Or Bankrupt.

Youre not at the end of tether yet and youll be fine...

 

Just need to work at it...

 

You need to provide evidence that it puts you into hardship etc... :)

 

We could do with some help from you.

 

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Yes correct, it is still possible to claim on these. You may have to be willing to go to the courts for this.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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