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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 
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    • 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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HSBC ..Total Charges Can I claim these????


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When you file MCOL. It takes approx 2 days for MCOL to issue it to HSBC. This is date that it is deemed served. I think you take 28 days from that date for HSBC to defend. HSBC was due to defend on 19.04.07 and they defended on 16th. I am now waiting for it all to be transfered to my local court and whether AQ is to be done.

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Not a lot. I took the time reading up on the next process (and twidlled my thumbs) It is very frustrating.

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Hi HSBCFiddled, I am not sure of the timelines after defence as I am at that stage at the moment. I think it might be cutting it a bit fine though. I will have a look around the site and see if I can get some more info for you.

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Hi, its me again. I found this:-

 

Claim Timetable:

Your claim will generally be deemed served 5 days after filing . The deemed date of service will be on the Notice of Issue sent to you by the court.

 

The bank will have 14 days from the deemed date of service to acknowledge. If they do, a Notice of Acknowledgement will be sent to you

 

The bank will then have an additional 14 days in which to file a defence, ie a total of 28 days from the deemed date of service.

 

Once the bank has filed a defence, your claim will be transferred to your local court who will send you a copy of their defence and an Allocation Questionnaire which you fill in and return within 14 days.

 

All timescales are calendar days, should the due date fall on a weekend/ bank holiday, they have until the next working day.

 

 

Be aware that some courts are doing away with the AQ stage and pushing for a court date. Have a read of some threads regarding "No AQ"

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  • 7 months later...

Yes the charges they charged you for returning items such as cheques, DD's and SO's are reclaimable, but unfortunately you really ned to get the breakdown of the total charges that HSBC have charged you in order to ascertain which are for running your business account and which are for bouncing items and going over the agreed o/d limit. If possible, ask your accountant if he/she has an analysis of the charges that HSBC have taken from you.

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As long as you have proof of the charges I don't see how HSBC can dispute them. If they do dispute them, I would want to know on what grounds and if they have proof of their dispute eg they do actually have the records from way back when, I would definately ask to see this.

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I'm really sorry, but I have never heard of him. But whoah what a title. what a responsibility.

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