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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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Garu vs Nationwide


Garu
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Hi Garu!

I would send a S.A.R. for ALL your charges and associated interest, since the start of your account with the Nationwide.

The longest it should delay U would be 40days...but it has taken others a lot less time to get their statements.

U will be able to claim back your £10 when U submit you claim.

It's up to U if U want to split your claim e.g 6yrs + more than 6yrs.

Some others have and won...some haven't and also won.

Likewise, some have claimed for more than £5000 and won via the Fast Track and others have played safe and Underclaimed, so as to keep the re-claimed figure within the Small Claims threshold and have played safe.

I agree with U that the Compounded Contractual Unauthorised O/D % Interest Rate (24.9% APR) is the correct one to Charge Nationwide for UNLAWFULLY Borrowing your money.

...However, Banks compound their interest Daily...NOT monthly!

Just put the 24.9% APR and your personal details into the following spreadsheet (courtesy of Mindzai) and it's all done for U.

http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html

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Hi Garu!

 

Try looking at your Credit Report via the Experian free 30 day trial (U can cancel within 30 days) web page...It may reveal hidden credit problems?!

 

A+L (...I assume it's them U applied to?) may think that U are too over-exposed with your current borrowing levels to be able to offer U their top % interest paying account (...wih low % level O/D). Being the best value current account, they may just be being picky?!

U could always re-apply for their top account after a few months of banking with them with the account they've offered U?

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Hi again Garu!

 

Credit report checked, no nasty surprises.

 

We have one default, £85 of all things in May 2001, but marked as satisfied so nothing more we can do about that. I guess we will see an upturn in June 2007 when that drops off our credit history and we have no defaults etc.

 

Just playing Devil's Advocate...

But what about the circumstances of the imposition of that DEFAULT?

There has been one or two CAG Members who have threads that detail their progress about having had their defaults removed earlier than 6yrs!!!

Up to U if U want to wait until June...

(...or could be even longer dependant on when the particular account gets updated!!!)

...Or U may just want to get your life back before then???...lol...:);)

 

Hope this gives U further food for thought?!

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Happy New Year Garu!

Contractual Interest has to be claimed in the Preliminary letter and U have to mention it at each letter stage, so that the Bank has a chance to pay it or dispute it.

Just enclose an updated version of your spreadsheet with every letter to let them know where your figures are coming from.

Hope this helps?!

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Hi Garu!

 

Have U read some other CAG member's threads that have had their Claims severely delayed during the Court stage, cos Banks have managed to claim that they were NOT given enough time to prepare their Defence etc?

 

Methinks that trying to shortcut the well documented process may actually backfire on U!!!

 

Hopefully I'm wrong?!

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