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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
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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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New Member - Any advice??


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I have been with my bank since the age of 12, i am now 25. I have a savings account, a basic account and a visa electron account with them. I have held my visa account with abbey for nearly 3 yrs now and they still refuse to give me an overdraft or an upgrade on my card! The reason being is that a little while ago i went overdrawn twice in 1 month, i believe that this was no fault of my own. . .

 

I was due to get paid and i only had £3.50 left in my account, thats what the cash machine told me, i decided to use my card to pay for a £2.50 car parking charge, the day i got paid i rang up to see what had been paid to me and what had come out via direct debit, to my horror they told me that i had been overdrawn by £1.57 for the last couple of days and next month i would be charged a £35 fee for this. I asked them how that could of possibly happened as it was only the day before that the cash point was telling my that i was in credit. They said that i'd used my card earlier that week, but the amount wasn't taken by the company until a few days later. i argued and said that if i didn't have enough money in my account a) why did you allow me to use my card and b) why wasn't the information on the cash point correct? They said that if your purchasing a small amount like £6 for eg, some companies will allow it to go through . . .so its the company your buying from's fault and not the banks! As for the cash point they said that it might not of been updated! how is any of this my fault! I got charged £35 for being overdrawn by £1.57 surely that isn't a justifiable amount to charge me!

And it didn't stop there. . .the month after, the charge of £35 came out of my account, only it came out the day before i got paid therefore taking me overdrawn again. I thought that because the bank took me over it wouldn't matter, however i checked my bank statements 2 months after this and i saw that for the last 3 months they were charging £35 for each time Abbey took me overdrawn, i couldn't believe it! I was so angry and rang them up, I eventually got refunded for their mistakes, however it still cost me money trying to get the charges refunded as it worked out i'd spent £10 worth's on my phone bill trying to speck to the right people.

The worst part about all of this is i then said to my bank that i no longer trust you and i want an overdraft put in place just in case anything like this happens again, guess what they said. . .we can't as you've been over drawn for the last 3 months!!! Its a bloody joke i said, your the ones that took me overdrawn for those 3 months, not me!

Abbey has been taking me for a ride for far too long and i am now putting a case together to take them to court, the stories above are one of many since i've been they're customer and i've now had enough, apparently i'll be eligible for an overdraft at the end of January. . .i'm not going to hold my breath!

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Hi thanks for your response, reason being is that isjust one of many situations i've had with Abbey and they're are many more charges that i have had to pay out for. unitl i was told about this site and how people are getting they're money back i was going to just let it go, but now i'm going to find out how much i've paid out to them in total and fight them for it back.

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Oh I see. Sorry didnt realise you had more charges going back further. OK I suggest you send a full SAR request. You may be suprised by how many charges you have had and didnt know about. My son thought his would be about £1,000 but it was nearer £4,000 with interest.

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Oh I see. Sorry didnt realise you had more charges going back further. OK I suggest you send a full S.A.R - (Subject Access Request) request. You may be suprised by how many charges you have had and didnt know about. My son thought his would be about £1,000 but it was nearer £4,000 with interest.

 

Thats ok, i'm going to calculate all of the charges tonight, i think it might also be around the 1k mark but like you say it could be a hell of a lot more, many thanks for your advise and i will look into sending an S.A.R

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