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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
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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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Son-in-law took out LLoyds credit card over the internet with PPI **WON**


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Credit card cancelled by LTSB and currently paying £5 per month.

Included in SAR (for loan PPI claim)

I have found CC statements which show PPI being paid for 19 months from 08/07 til 02/09. Total paid was over £300 so about to reclaim.

 

FOS questionnaire printed off but need help with calculations and spreadsheet to work out value of claim.

 

Intend

 

thanks to SAR I do have all the Credit Card statements relating to the period that PPI was paid.

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if you do not have all the statements

 

FosCISheet v101.xls

if you have all the statements

 

FosRunningPPI v102.

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Cheers old rouge. Will input figures over the weekend and come back with a figure.

 

Son-in-law took out the credit card over the internet. Can anyone advise how this might affect the wording of the mis-selling?

 

Looking at all his financial transactions, CC, loans and current account charges by LTSB, he was certainly financially illiterate and treated as a cash cow by Lloyds for years. Money matters now under control but it makes me really mad how they took his hard earned cash every month. This claim only for a small amount but it is the principle.

 

Thanks in advance.

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Looking at all his financial transactions, CC, loans and current account charges by LTSB, he was certainly financially illiterate and treated as a cash cow by Lloyds for years. Money matters now under control but it makes me really mad how they took his hard earned cash every month.

 

Thanks in advance.

 

was his current account a package account ( inc mobile phone/ travel ins etc etc) by any chance?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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monthly fee? misold?:wink: reclaimable plus int

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Just about to check but reluctant to look at his statements - will see lots of OD charges for hundreds of pounds. I am sure he had a Premier Account - seems to rinfga bell when I first started to help and got it changed to a free account.

 

Will definitely add to list of re-claims - cheered on by recent court victory to go after all evil fees which caused so much hardship for daughter and her husband. Even considering court if they won't play ball.

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  • 3 weeks later...
Letter and FOS questionnaire finally posted today - now to think about the proposition put forward by Theoldrouge - will start a new thread when I get my brain around it.

 

Any pointers towards threads reclaiming mis-sold packaged current accounts would be welcome.

 

Intend

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?434075-can-we-still-claim-bank-charges-back

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...
  • 4 weeks later...

Great news - Lloyds just upheld complaint - more than was expected - will let you know when cheque rec'd so the thread title can be changed.

 

Daughter and family can now have a really happy xmas -

 

For me - I will tackle the packaged account fees for his current account in the new year.

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  • 3 weeks later...
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