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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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Should I take NatWest On ???


MCPR82
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MCPR82

 

Be calm and delay no more. It is time to fire off your first letter called SAR (Subject Access Request) under the Data Protection Act 1998.

 

The money you owe them may be made up of unlawful charges. They cannot enforce it in court. They may even owe you after all!

 

Make sure you use the letters in the library. Link below:

 

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Good luck

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If you receive any more letters of further action from NatWest again, simply reply with the following letter, no need for lengthy story and send all letters RECORDED and keep a copy:

 

 

 

 

 

Dear Mr/Ms Surname

 

ACCOUNT IN DISPUTE

 

Thank you for your letter of ??/??/????.

 

I have noted the content of your letter and please be reminded that this account is now in dispute. As soon as the outstanding issue of unlawful bank charges is resolved, I will revisit your concern.

 

Yours sincerely

 

 

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MCPR82

 

Don't be confused. This letter and the SAR letter are separate. This letter will simply put them on the alert that the account is in dispute so that they don't try to place default in your credit file if they have not already done so. This letter is your reply to their letter threatening 'further action'.

 

You can then press on with your SAR letter and other subsequent letters. You MUST send off your SAR letter now. If you send both letters the same day, no problem. Preferably in separate envelopes RECORDED.

 

Good luck

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The banks or credit card companies will not freeze interest because they will continue to maintain that their charges are fair until the matter gets to court.

 

When you receive the statements, you will then calculate the money they owe you using the spreadsheet in the library.

 

Begin to get familiar with the spreadsheet now so that you won't delay in responding to the next stage which is sending your preliminary letter requesting refund.

 

At this stage, make sure you send off SAR letters for all your accounts one after the other and wait for response. Double check typo errors on all letters to make them professionally looking. It makes the banks aware that you cannot be bullied.

 

REMEMBER you have to keep to your own timetable for responding to the banks or credit card companies and finally to COURT. This is because the banks will like to delay the process unnecessarily (for example they may reply your letter that they will respond to your complaint in 4, 6 or 8 weeks). Do not let them stall your plan. Keep to your own timetable.

 

Good luck

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