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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
      • 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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APR Rate for contractual interest claims - Very Important!

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Hi everyone,


After reading hundreds of posts on the Cap One forum, it seems that APR is still confused. The monthly rate from your statement (e.g. 2.05%)multiplied by 12 does not produce the correct figure of your current APR%. It produces a figure 3-4% less than your actual APR.


This example from CrispDust in the contractual interest thread is the best I've seen:


Start with £100 and an example monthly rate of 2.05% for example:


Month Debt Interest per month

1 £100.00 2.05% £102.05

2 £102.05 2.05% £104.14

3 £104.14 2.05% £106.28

4 £106.28 2.05% £108.46

5 £108.46 2.05% £110.68

6 £110.68 2.05% £112.95

7 £112.95 2.05% £115.26

8 £115.26 2.05% £117.63

9 £117.63 2.05% £120.04

10 £120.04 2.05% £122.50

11 £122.50 2.05% £125.01

12 £125.01 2.05% £127.57


so £27.57 interest on £100 over 1 year = 27.57% APR


Multiplying your 2.05% by 12 does not give you this correct figure, it sells you short (24.6%).


Advice is still being given on this forum to multiply monthly by 12 to give APR%. You can be more accurate (much more reliable if court comes a calling) and get a higher rate! I double checked my correct APR with Cap One (they call it EIR - effective interest rate) and this is correct.


Also, the 34.9% APR figure on the website is 'typical' most will not be at that rate. If you claim that rate, you may well get your money, I don't know? But you may be wildly inaccurate - this wouldn't look good if a judge ever sees it?!


Hope this helps, although it will prob cause brain meltdown for some! It did for me for a while!






14th Dec - SAR

13th Jan - Prelim

27th Jan - LBA

27th Jan - 12% settlement offer (refused)

8th Feb - N1 claim issued

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Point taken Rouge but, speaking personally, I am quite comfortable with 34.9% as I know that this is the rate I would be paying if I still had an account with Capital One. I have seen several posts in the past saying that Capital One had put the poster's interest rates up to this level because of their perceived credit risk.

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Hi Sarah,


I don't think you're wrong, go for it. I just see some people have plucked the figure from the website when it may not apply to them in the slightest?


The reason being, I thought it applied to me for ages but was pleasantly surprised to see I was way off - (closer to 26%).


Because it's not stated anywhere, people have no real idea of their APR with Cap One (although you only have to call to ask) and latching on to the highest figure on the website may not be the wisest?


I wouldn't tell anyone what's right and wrong, just warning that there's some inaccurate ideas still being used - and to people's detriment!




14th Dec - SAR

13th Jan - Prelim

27th Jan - LBA

27th Jan - 12% settlement offer (refused)

8th Feb - N1 claim issued

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There was a post on one of the threads which showed you how to calculate the APR from the monthly intrest rate using excel (or any other spreadsheet)


simply put this equation into a cell.


=((1+rate of interest)^12-1)*100


i.e. =((1+2.207%)^12-1)*100


answer 29.94743 rounded down 29.9%


as you can see, it worked for me.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Cheers dori2o, even better, that does work. It should be common knowledge, hopefully this thread can help it along!




14th Dec - SAR

13th Jan - Prelim

27th Jan - LBA

27th Jan - 12% settlement offer (refused)

8th Feb - N1 claim issued

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