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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
      • 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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chopper272 vs lloyds tsb


chopper272
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just sent of my pre-approach to the bank.

i have a question?

just done a google on bank charges and some agencies are offering interest on the claim of 29.85% contractual interest how can this be achieved or is it not worth the hassle.

 

thanks in advance

 

chopper

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Agencies?

 

Do you mean companies who offer to reclaim charges for you and successfully claim contractual interest but will charge you a fee?

 

You can claim contractual interest, it's a little more involved of course but depending on how far back your claim goes...it can massively increase your claim value.

 

Heres a good thread for you to have a read of.

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/37418-claiming-1991-2000-fight.html

 

good luck

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  • 2 weeks later...

Same system, get the statements then send:-

1st Pre-approach.

2nd L.B.A

3rd MCOL or N1(Should it get that far)

With regard to credit cards i add the contractual interest to the charges on the Pre-approach letter and all letters following.

With Banks you dont add the 8% APR till MCOL or N1 form.

 

To work out contractual interest get statement and look for something like:-

Monthly Interest Rate 1.094%

Multiply this by 12 =13.12%

 

If in doubt ring credit card company up they will usually help.

 

Hope this helps

 

A mod will clarify this as im a newbie.

 

Matt

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  • 1 month later...

Hi

You need to start the court claim now, have a look at point 6 on the link below for details:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

Good luck, and if you have any questions please ask.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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With regard to credit cards i add the contractual interest to the charges on the Pre-approach letter and all letters following.

With Banks you dont add the 8% APR till MCOL or N1 form.

DAMN!!! I sent my prelim letter to Cap1 with a schedule of charges without the interest... will I be able to ask for it on the LBA and MCOL / N1?

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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