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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 
      • 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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Shep Vs Halifax BOS

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Hello folks this is my 1st post here,


been reading up about re-claiming my bank charges, around a year ago i had hundreds of charges that i had paid to date, then i opened a new current account for my new job :) it was happy days,...


my last wage came from work, and i stuck £10 fuel in my car when i got made redundant this is where the problem started,


the Bank of Scotland did not take this monies for 4days by which time my account was empty, so the then charged me £39 for paying the £10 then a further £39 for going overdrawn....but i didnt put my account overdrawn??? so now charges have mounted and mounted and i refused to pay them, account is now -£556.81 gutted


so after many many phone calls with Indians i cannot (no racism) understand on the phone and many phonecalls ive answered to find nobody at the other end, i eventually got in touch with Customer Relations,


i spoke to them today and they said they would look into it further, but in the meantime i have requested the past transactions and charges on paper for the past 6years for both accounts :) they are on they're way


now where do i go from here??


ill up-date this thread as regularly as i recieve the letters, and im going to log it all and for any1 wanting the info after me to just e-mail me


any help is much appreciated,


its us against the unlawfulness of the bank :)

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Welcome - make sure you have request your SAR in writing (template letter in library) and enclose the £10 cheque - that way you have gone down the correct route and they have to keep to the 40 day timescale. Other than that just keep reading the step-by-step instruction and FAQs and of course the halifax threads. Good luck.

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thank you, its pretty vague t me at the moment but ive recently had success in the courts with a charge for a noisy exhaust on my car and i have the fight in me at the moment to do this :)


i requested it on the phone yesterday and paid the £10 for the statements once i have them in my posetion il send off the SAR just for documentation purposes

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