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


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Ignore any replies, unless its an offer they will be delaying tactics.

Stick to your timetable and send in your letters on the 14 day due dates and submit your claim to the court on time.

If they make an offer then weigh up the pro's and cons.

pete

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Hiya Fiddled, if your going back over the 6 year limit Bongs thread is required reading. I think your best chance of getting a schedule of charges is from your accountant's records, I know people have had problems getting information from HSBC past the 6 year limit, Bong and Crusher should be able to advise you better here.

 

These threads may be of help to you

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

 

pete

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Poor Mohsan Yousuf, hes not having much luck with his debt collection for HSBC.

I also had a letter from him that happened to arrive about a week before my stay appeal hearing. I sent a copy to the court along with a copy to DG and a copy back to Moshan to show him what I had done with his seven day payment letter, not heard anything else yet :)

 

pete

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I think you have a case, they have totally messed up the managed loan agreement and therefore the loan is firmly in dispute and unrecoverable by HSBC.

 

How a judge would view this in court is another matter, I think you would be on fairly safe ground with regard to interest and any charges but with regard to the initial debt, morally you have had this money from HSBC so they would probably say you have to repay it.

 

pete

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I think before you could possibly agree to anything you would need to see full documentation for both the earlier personal and managed loans and the managed loan which is in place now including both the loan agreements and the statements back to the year dot :).

 

pete

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Rumor has it that all of the banks are having to spend millions setting up specialist departments to handle the volume of bank refund claims (better late than never) so it's not surprising to see a new name crop up.

 

I wouldn't do that job no matter what they offered me :)

 

pete

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