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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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Bank Of Ireland


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I have it from a trusted source that BOI have not refunded ANY bank penalty charges.

Nor at present intend to, First Rust are pushing people towrds court and will not pay up until then.

The only banks here that are responding to customer requests are Ulster and Northern before court action.

If anyone know any different, please put me right!

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The Ulster will not refund the whole of a claim until they have received court summons however they do make a goodwill payment of anythinf ranging from £90 to £120 on a prelim letter but once court summons issued will usually settle within 2 weeks of receipt and will includ a confidentiality clause to sign before they pay out !

if my advice has been of any help to you then please click the scales ! Thank you :D

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i am in process woth first trust. they have offered nothing and refuted my claim. i have a court date for 19th april. ulster bank made me no partial offer but paid made an offer of full payment within 2 weeks of filing with court. paid out about 2 weeks later

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AIB in Mainland Britain?

AIB in Northern Ireland bought out TSB in 1989/90 and are know here as First Trust.

After making a number of complaints (long delaying tactics) I was soewhat amused to see that they have invited me to take part in their customer care survey becuase "First Rust are committed to customer service".....

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AIB in Mainland Britain?

AIB in Northern Ireland bought out TSB in 1989/90 and are know here as First Trust.

After making a number of complaints (long delaying tactics) I was soewhat amused to see that they have invited me to take part in their customer care survey becuase "First Rust are committed to customer service".....

 

Mainland Britain.

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  • 2 months later...
  • 1 month later...

Success! Had a letter from the Financial Ombudsman this morning, Bank of Ireland have settled in full rather than be investigated. £757.50 (my original claim was for £673.50 but by the time I went to the ombudsman they had applied some more fees, which I was also able to claim).

 

Slippery customers though - they claimed that I 'double counted' some fees (in which case they had 'double charged' me); and also stated that some charges I had claimed were services, viz: notified fees, and wouldn't pay them. In fact I hadn't claimed any notified fees, just 'referral items'. An interesting point, though for anyone thinking of claiming notified fees, is that the ombudsman agreed with the bank's position, as they were 'levied in accordance with the bank's published tariff'.

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Well Done joruairc - all seems a bit Irish to me, but a result none the less. Well Done.

 

I'm still trying to find anyone who has AIB UK success or experience, they seem few and far between.

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