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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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Lyns77 v Beneficial Credit Cards


lyns77
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Hi,

 

I sent the letter requesting refund to Benficial Finance (my Credit Card) and today I recieved a letter back stating.....

 

"Default charges are payable if customers do not make the required minimum paymen by the payment due date, if they exceed their credit limit, or if a payment to their credit card account is returned unpaid. The amount of these charges, and the circumstances in which they are applied, is set out clearly in HFC Bank's credit agreements. We believe the HFC Bank's charges to customers are fair and reasonable.

 

The OFT has recently published the findings from its enquiry into default charges on Credit cards. HFC Bank has carefully considered the OFT's publication and does not accept its findings. However, the OFT's investigation has led to a change in market practicies and HFC bank has therefore decided, for commercial reasons and in the interest of customers, to reduce its credit card default charges for the future. These do not affect charges that have already been applied. Accordingly, I regret that we are not prepared to make any refund of default charges or provide any compensation payments. I hope I have been able to clarify HFC bnak's position on credit card charges.

 

Thank you for taking the time .................... and on he goes.

 

 

What can I do now? I am really unsure, any help will be much appreciated.

 

Lyns77

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Hi Lyns77

 

The next part of the procedure is to write them an LBA (Letter Before Action). This will let them know that you do intend to follow your claim through to the end. Get your spreadsheet up to date and send the letter with a copy if you have'nt already done so. Give them 14 days to reply.

There is an LBA template letter in the Banks Templates Library.

By the way, pretty much the same response we all get.

 

Good luck

 

Uk..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Well done. Follow the tried and tested procedures here and you will get it back. It can be hassle to some, but don't let them keep the money which is rightfully yours.

 

Good luck

 

Uk. . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Letter this morning stating that I an a good customer of the bank and as a goodwill offered me £315.00 Of course I am going to send letter accepting offer and will chase the rest through court..... The battle continues. Due £ 627.35

 

Story So far:

 

10/11/06 1st request to Beneficial

16/11/06 Fob off reply from them

16/11/06 LBA sent

25/11/06 Goodwill offered

25/11/06 Rejection to settlement offer sent

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Posts now moved from welcome forum

This now your own thread.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Beneficial have said they will apply the credit to my account. Anyone had this but recieved a cheque? Just want to check just on the off chance lol.

 

Once credit applied I will most certainally donate to this wonderful site. Its been of so much help to me.

 

Thank you everyone involved. I will be sure to pass on the website to everyone I know.

 

Story So far:

 

10/11/06 1st request to Beneficial

16/11/06 Fob off reply from them

16/11/06 LBA sent

25/11/06 Goodwill offered

25/11/06 Rejection to settlement offer sent

30/11/06 Letter of FULL SETTLEMENT RECIEVED

01/12/06 Letter acepting FULL SETTLEMENT

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