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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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Get them all - Claim all charges from every single bank


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All,

 

Just signed up to free trial credit report from creditexperts (Experian). After a couple of days received logon details in post then logged in successfully and ran a report to find banks I have dealt with. Print this off or save it electronically then ring up Experian and say you want to cancel 'free trial'.;)

 

You'd be surprised how many banks you've borrowed from. Then start off with S.A.R - (Subject Access Request) requests - Indeed you'd be very rich in new year. This is list of what came up in my report. Just before you rush off your feet find out if you must send £10 cheque with each S.A.R - (Subject Access Request) request.

 

 

HALIFAX PLC: HALIFAX MORTGAGES, MORTGAGE SERVICES, HALIFAX PLC, TRINITY ROAD, HALIFAX, HX1 2RG

(SAR req response - sent preliminary letter for £509!):cool:

 

MBNA EUROPE BANK LIMITED: CREDIT BUREAU TEAM, MBNA EUROPE BANK LTD, UK 8923, CHESTER BUSINESS PARK, CHESTER, CH4 9FB

(SAR sent 6 Nov - "Goodwill offer £90 DECLINED" statements missing!):D

Given them 5 working days to send missing statements.

 

CREATION FINANCIAL SERVICES LTD, CETERGY CARD SERVICES, EQUIPOINT, COVENTRY ROAD, YARDLEY, BIRMINGHAM, B25 8FE

(SAR not sent yet!)

 

CITIFINANCIAL EUROPE PLC: CREDIT BUREAU DEPARTMENT, CITICARD, PO BOX 54, SALFORD, M5 3BP

(SAR sent 09 Dec 06):)

 

HFC BANK PLC: CUSTOMER SERVICES MANAGER, CUSTOMER SERVICES, HFC BANK PLC, PO BOX 2445, BIRMINGHAM, B1 3PJ

(Nothing owed by them, paid them direct debit)

 

BANK OF SCOTLAND CREDIT CARDS: SPECIALISED LENDING TEAM, HBOS, PO BOX 316, CARDIFF, CF23 8FN

(SAR req sent 6 Nov - subsequent letter sent 9 Dec 06)

 

RBS CREDIT CARDS: CRA ENQUIRIES, CREDIT CARD OPERATIONS CENTRE, PO BOX 6050, SOUTHEND ON SEA, SS99 1WL

(SAR not sent yet!)

 

HSBC BRANCH BANKING: PLEASE CONTACT YOUR FORMER ACCOUNT HOLDING BRANCH

(No Charges incurred so far....)

 

GE CAPITAL BANK LTD, PO BOX 700, LEEDS, LS99 2BD

(SAR req 09 Dec 06):D

 

MORGAN STANLEY BANK INTERNATIONAL LIMITED: MORGAN STANLEY DEAN WITTER, GLASGOW, G68 9ZP

(SAR not sent yet)

 

EGG BANKING PLC: POINT NORTH, WATERFRONT WEST, BRIERLEY HILL, DY5 1LU

(SAR sent 6 Nov - due to receive 16 Dec 06);)

 

NEXT DIRECTORY: NEXT PLC, GEDDING ROAD, LEICESTER, LE5 5PW

(No SAR yet)

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Hi Heckmonwike.

 

Yes you need to send the £10 fee with each DPA SARs letter. In a lot of cases they will return it but if you don't send it they could use that fact to delay you.

 

Having said that, if you have more than one account with a particular company, one payment will cover all of them. Just remember to put all the relevant account numbers in the letter.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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