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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
      • 160 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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Claiming charges back


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I have recently left a major bank's complaints department where we were dealing with all of you guys complaints about charges.

 

Just wanted to say that you can go down the DPA route but it takes a lot longer to get anything done.

 

Save yourself a tenner and just tell your bank that you want your last 6 years of charges back. I know the bank i was working for had set up a 'task force' to deal with all the complaints we were getting about the charges.

 

Best of luck trying to get them back, but as a by word the banks need to issue their response to the charges issue at the end of May and it looks strongly like they will be going down. BUT no more free banking....

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Guest Lueeze

have you told Bankfodder or Dave that you have joined?

 

Bank emplyess have to advise before posting...

 

Unfortunatly we have to go down the DPA route as bank statements are not all we need to know aobut our accounts. Also some bank have ont included all the charges, and some banks will not give the statements, and If we dont do the DPA correctly we cannot complain to the IC or get a court to action this!

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Guest Lueeze

Im very sorry, for obvious reasons, we wont ask your personal details, but you must email BF or Dave and just advise you are here!

 

 

Sorry if this sounds grumpy its rules to protect our users, hope you enjoy the stay

 

Lou x

 

Sorry i just reread your post and saw that you only just left the bank you worked for, this should be okay, but go ahead and email, maybe you can offer some advice....anyway thanks

 

Lou x

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All i am saying is having dealt with all these cases it really isn't necessary. 95% of ppl using this site and getting all the information aren't claiming interest back and have no intention of going to court they just wont their original money back.

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Guest Lueeze

Yeah dont worry im just double checking...

 

Im nuts you see i have 2 kids that turn my brain to mush!

 

Sorry, friends?

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Guest Lueeze

From the last sentence, do you mean that the banks will no longer charge penalties? Just charge monthly/annually?

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also, what is the atmosphere like in the Big Bad Bank? Are they concerned at the number of requests for refunds? Are they annoyed with us? What do they have up their sleeves? Are a lot of people accepting settlements and not going for the full amount?

 

Lot's of questions I know! LOL - Just DEAD curious!!!

 

So!!! What's the goss??? :D

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Nothing is set in stone and each bank will be different but it looks like they will most likely either charge a monthly fee for the account or charge per direct debit and so on...

 

Jeez, are banks meant to make a profit from us or not?

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Guest Lueeze

Hey tink dont hold back eh!

 

We are grateful for the infomation though!

 

I dont suppose you are going to get any charges back from your old bank? Thats if you have any! ;)

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also, what is the atmosphere like in the Big Bad Bank? Are they concerned at the number of requests for refunds? Are they annoyed with us? What do they have up their sleeves? Are a lot of people accepting settlements and not going for the full amount?

 

What you need to remember is that thee are multi million pound companies and they make money in so many different ways.

 

I think they are concerned that they will have to change the way they charge which will cost millions of pounds to change their systems. That is what I think they are concerned with plus any time constraints placed on them too.

 

But then I wasn't a top honcho so we weren't told everything

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Guest Lueeze

Is this change in their contract, ie charging for DD/monthly LEGAL?

 

Surely if you sign an agreement they cannot just change important things like that?

 

And people on benefits, surely are entitled to free banking if they HAVE to get benefits paid into accounts?

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....95% of ppl using this site and getting all the information aren't claiming interest back ....

 

There is a big problem with working out overdraft interest that was made solely on the charges imposed.

 

Whilst some banks do differentiate between the two types, many do not. There is likely to be a much smaller amount invloved anyway, so the advice given can often be not to claim this figure, and if the case did ever go to court, you would have an arguement that you had provided a payment for the breaches.

 

If this is not what your statement referred to, let us know!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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BUT no more free banking....

 

Banking isn't free. Never has been. That's like a casino saying you don't have to pay to come in and play.

 

It's a no-brainer. Banks make a huge amount of their profits and annual turnover from services which are supplied on an interest applied basis, or legitimate pre-disclosed charges. The unlawful charges is blatant profiteering and totally unacceptable.

 

to pretend that our financial instituitions, and the finanacial services industry rely on unlawful charges to survive, and provide their legitimate banking services is preposterous. Indeed, it would be tantamount to a bank saying "our legitimate services of stockbroking, investments, mortgages, savings, and financial advice are so poor, and so loss-making, that we rely on unlawful charges to operate."

 

If banks really do rely on charges as a genuine income stream then even then it will not be a justified end to "free-banking", for, as the OFT point out

 

"..the bank must seek to recover from interest charges and other revenues.."

 

the costs associated with the general expense of running a financial services operation.

 

Please stick with us amigo.. always good to have the inside perspective!

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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I think the key thing is Shareholders. they are used to a certain amount of return on their shares hence they need to keep profits at the very least as they are. If banks lose money it has a dramatic effect on their share prices which then loses confidence in the market. blah blah

 

The banks are used to the money and wont want to lose it so they will regain it anyway they can

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Thanks

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