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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 162 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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Account Maintenance Charge?: is it reclaimable?


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L&G's

Firstly thanks for all the advice on this site: fantastic and warming up for a real go at my Bank. I have for long enough look for an opportunity and CAG has delivered it thanks!!.

Having sent the SAR request and received I believe the full statements from BoS I do have a few questions.

1) On my Current account I was charged a 'Account Maintenance charge'. can I factor this into my calculation for other excessive charges?

2) I cannot reclaim debit interest?

3) Having received and acted upon the SAR request, should I double check they have no 'manual intervention' on a follow-up

You can appreciate before I deliver the next letter reclaiming my money they have no room to move in either disputing the amount or subsequently claiming 'manual intervention': which we all know is rubbish!

 

 

Si:p

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As far as I know, you can claim the maintenance charge. Is this charge around £35? The service charge (around £5-7) is allowed, but the maintenance charge I think is when the bank allows a direct debit etc to be paid even though there are no funds available.

 

You can claim contractual interest and there are many threads relating to this. Here is a link here to one such thread.

 

http://www.consumeractiongroup.co.uk/forum/general/7252-new-way-looking-interest.html

 

As far as the manual intervention is concerned, all the information should have been provided with the SAR or confirmation that there was no manual intervention on your account.

 

If you have all the info you need to progress with your claim, then go for it. It would be highly unlikely that the bank will defend the claim with the manual intervention story.

 

Good luck with your claim and read as many of the BOS threads as you can.

 

Spot

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Spotnot v MBNA and their nasty solicitors (on behalf of my friend)

 

If I have helped in any way, click my scales.

 

Remember, we were all newbies once!!

 

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