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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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Not sure if this should be in banking or consumer...


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I have had a furious sister in law on the phone just now. This is what happened:

 

She went to the shop to get gas and electric on the keys. There is a Link machine there, but as they charge £1.75, she paid by chip and pin instead. The guy then said there would be a £1.50 charge for that. She was horrified. Then she said ok, but she wanted a receipt to show that she had paid £1.50 charge. The guy refused.

 

Questions:

Is it legal for the shop to charge for a chip & pin transaction? If not, who should she complain to? Surely, the very fact they wouldn't give her a receipt indicates how dodgy the whole thing is?

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Was it a credit or debit card?

 

I know they can charge for credit cards, and for any card if the transaction is less than £5

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I know that some shops have a 'minimum spend' for non-cash transactions, and the average is about £10. If your sis-in-law spent below this limit, then the charge covers the admin/card agent cost for the shop in question.

They are probably only making pennies on the transaction, so I would imagine there is no mileage in contesting the charge.

 

However, the receipt should definitely be given - supposing she got home and the key hadn't charged up? I am sure that all 'agents' are required to provide a receipt - they certainly do when I top up my mobile...

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Was the charge for using the card or for getting the gas/electric on the keys. I know that if I pay my bills at a shop then they charge £1.50.

 

There's no excuse for not giving your sister-in-law a receipt though.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Guest Lueeze

if its a key meter they should be charging tho!

 

I checked the chip and pin site, and no where on the bussiness page does it mention chargeing the consumer...

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:o we have never been charged when using chip & pin to charge our electric key!

but she wanted a receipt to show that she had paid £1.50 charge. The guy refused
I would say very dodgy!!

:) Go on ... you know you want to click me :)

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She should write to the manager of the shop and ask why she was charged. I have NEVER been charged for paying for electric key using chip and pin, or any other way, EVER...

 

If she writes, he will have to respond and it will be interesting to hear what the manager has to say about this...

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Thanks for all the responses. I think we all agree there's something not right here. Incidentally, she confirmed that when paying cash, she doesn't get additional charges for topping-up her key, so it's definitely a card issue rather than a bill payment issue, if you know what I mean.

 

So, who does she complain to? Her own bank? The police? Tricky, innit?

 

Sorry, bovvered, we posted at the same time!

Thing is, while she was there, she insisted the staff calls the manager on the phone, which he did, twice, and the manager confirmed the charge.

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Guest Lueeze

But if she swiped the card before chip and pin started I BET she wouldnt have had to pay a sausage!!! Some shops have to pay for their chip systems, and I wonder if its an underhanded way of clawing back their outlay??

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Both myself and my partner have card machines in our businesses, the fees are automatically deducted by the card machine supplier (streamline in my case) an are either proportionate or percentage. Usually a credit card is a percentage of the total sale 1% for example whereas a switch or other debit card is 50p per transaction. This is why in convenience stores there is a minumum charge on a card sale as thier margings on groceries is so low.

 

If the bill was under £5 then a shop may charge you a fee to make it to the minimum BUT THEY WOULD HAVE TO SHOW THIS ON A RECIEPT. The machine only knows the amount to take the commission is done by streamline on a monthly basis.

 

It sounds like hes screwing you / your sister.

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I woudl say that this possibly constitutes fraud which would mean contacting the police.

 

I would call them (record it if possible) and ask for a justification of the charge. If they give a reason, it's probably unlawful and if they don't then ask them to stop charging for nothing.

 

If they were able to charge for C&P transactions everywhere would do it.

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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