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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Goldfish pay up with barely a fight


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I have had a Goldfish card since 1999, which has always been paid by cheque in full each month. Goldfish have charged me late payment charges totalling £78 on 4 occasions.

It certainly hasn't cost them anything, since they don't send any letters, but merely add the charge and interest to the next months statement. And any detection of late payment and applying a penalty charge is almost certainly automated.

If there is any manual intervention, then it can only be in the form of a single press of a keyboard button. Time taken: 5 seconds. Cost to bank: 2p @ £15 p/h. Who needs to print money when you've got this nice little earner.

So, here's what happened.

19th April: Sent the preliminary letter

28th April: Reply dated 26th April,. Charges not unfair nor penalty etc, value their continuing relationship with me etc.. Offered £30, being difference between OFT guidance of £12 and the actual penalties charged.

28th April: Sent them the LBA declining offer,

4th May: Reply dated 2nd May,. Making further investigations and will write again within 5 working days

4th May: Write back. Disappointed they need further time. However, as promised, I will still allow them the 14 days, specifically until 5pm on 15th May.

4th May: Make payment as soon as I spot the donation button. Wouldn't have had the knowledge or the bottle to do anything without this site. Best money I've ever spent!

12th May: Offer of £78.00 in full and final settlement. Accept offer, but reserve the right to challenge and pursue similar unlawful charges in the future.

Fill in CAG survey.

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Thank you to everyone involved in this site, administrators, moderators and members for your advice and encouragement.

Good luck to anyone still in pursuit of natural justice. And to any of you waverers, it's your money, go get it!

I actually feel slightly deflated. This site has become slightly addictive and already I'm having withdrawal symptoms! I'm sure I'll be back now and again and there's always my daughters student loans !

Lastly, I am saddened that the donate button hasn't been an unqualified success in raising the necessary funds to keep the site going. For God's sake, people, you'll be sorry if it closes, we'll only have ourselves to blame and the banks will have won yet again!. Please, please don't let that happen Another tenner on its way, via my Goldfish card (and I'm still £58 quid in front!)

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Well done Michael, and thanks for the update, survey and donation !!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Fantastic news!!

 

Glad to have been of service ;-)

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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  • 2 months later...

hi

im about to send my first SAR letter to goldfish, can you tell me if once you start requesting refunds on your money do they take your card away?

just curious as thought they might

thanks

Zanna

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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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.

- Consumer Action Group

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Thanks

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