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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
      • 161 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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I'm new and nervous!!


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Hello everyone

 

I have been very dilatory on the subject of checking my bank statements and it seems now that I have paid the price. I have tended just to look at the balance and vow to tighten my belt. I buckled down the other day and noticed a DD for my bank which I didn't recognise and looked back for 2 years and noticed amounts over £100 deducted. I suspect this is about using my overdraft which I NEVER exceed. Being disabled I can't access my bank physically and am not sure how to proceed and I am not sure if my bank is entitled to charge these amounts for using my overdraft facility.

I would really appreciate any help.

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Hello everyone

 

I have been very dilatory on the subject of checking my bank statements and it seems now that I have paid the price. I have tended just to look at the balance and vow to tighten my belt. I buckled down the other day and noticed a DD for my bank which I didn't recognise and looked back for 2 years and noticed amounts over £100 deducted. I suspect this is about using my overdraft which I NEVER exceed. Being disabled I can't access my bank physically and am not sure how to proceed and I am not sure if my bank is entitled to charge these amounts for using my overdraft facility.

I would really appreciate any help.

 

Hello and welcome, I advise that if you dont have all your statements to send the SAR this is in the library. Whilst you are waiting for your statements read through the FAQS and step by step instructions this will guide you through the whole process. Start a thread in your bank forum and post any questions you have there.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=6

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read through the facts thread. welcome to the site and if you are not sure what this is for then phone the bank and ask them would be my advice. if it is a service they are providing then they can charge you for it if it is a penalty charge then you can claim it back. it sounds very high to me for an od

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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Thanks for reply Smoorach. I need to understand the difference between a penalty and a service before I go any further. I have an overdraft with my bank which I have been making use of. Examining my statements for the past 2 years (been very dilatory up to now being fairly innumerate, figures freeze my brain) I find that over £1,500 has been debited from my account under a ****** (bank's name) MC, DD, periodically small sums are debited under Debit Interest and I foolishly thought that was all I paid for the privilege of an overdraft. All my DD & SO are paid without a hitch and no cheques have bounced. I haven't exceeded my overdraft. I don't know if this sum of £1,500 is payment for a service or a penalty.

 

 

I have written to my bank today asking for an explanation and used 'sign for' mailing but I expect a long wait. My son says 'I shouldn't have charge of a Bank Account' and I can't deny this. If someone could perhaps answer my query I would be so grateful.

Thanks for the good luck wishes Mochamoo.

 

Holamiga

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