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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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Changing from Adv Gold to Current Account

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I've read a few posts where some people had been given a hard time changing from Advantage Gold to a current account. I went to my local branch yesterday, signed a 'Service Request' saying I wanted to change my account and that was it. All done with in under a minute! So, it can be done without any problems.

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And have you had any statements yet showing the name of the new account, or a month pass without any charges?


I believe some people have made the correct request, but the bank hasn't actioned these for some time, etc.


I hope you are lucky in a smooth changeover, but keep your eyes peeled.

Good luck.


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That is incorrect process but I thank you for posting because I can now explain it.

As it stands TODAY you can go into the branch and they can go through the benefits that are on Advantage Gold--IMHO they are good IF they are used. You sign to say you are aware of those benefits and then sign a service request downgrading it. You get a copy of the benefits that you signed to say you understood and good practice is to get the Member of staff to write on it the date that it was downgraded and their name.


If you have had the account for less than 90 days there is a money back guarantee which means all charges must be refunded. If you have not used the account and the fees have taken you overdrawn over an agreed or unagreed overdraft, those fees must be refunded as well, including waiving fees due out as a direct result of them.


From 1st February 2006--- If you convert your account and use any of the benefits of Advantage Gold account and change it within 90 days then you bet no fees refunded. If you have not used any of the benefits then the fees refunded still remains as of today.


Remember the account is only good if you use the benefits. Hope that clarifies and thanks littleangel for posting on this.

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Sorry missed those posts but service charges go one month behind so convert it today and decembers charge goes out at the end of this months and partial charge up to today at the end of next month

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