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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
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    • 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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NAB admit their charges are penalties


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Strange how NAB now claim their fees are charges for services etc

 

 

2004 Half Year Financial Results

Richard McKinnon, Chief Financial Officer NAB said:-

 

Secondly, a fall in penalty fees resulting from increased charges and changed customer behaviour.

 

2004 Half Year Financial Results - Analyst Briefing Transcript - The National Australia Bank Group - NABGroup

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Might be a useful addition to the court bundle for this group of banks.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I think this statement by the CFO of NAS is quite significant. For those that do not know, The National Australian Bank is the parent company of Yorkshire Bank.

 

I would think that all YB claimants print of a transcript of the statement and use it for their court bundles.

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I'm new here but I have been a lurker for months and I have found the advice and information invaluable in pursuing my claim against the Clydesdale Bank, so thanks to all. I seem to remember that someone mentioned an Irish bank where it costs about £3.00 for each penalty charge. Does anyone know the name of this bank and its parent company?

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I seem to remember that someone mentioned an Irish bank where it costs about £3.00 for each penalty charge. Does anyone know the name of this bank and its parent company?

 

 

Here are the links you need;

 

AIB Personal Finance - Work & Money

 

http://www.accbank.ie/content/accbank/cms.nsf/Files/CurrentAcFeesChargesJan2006/$file/Current%20Ac%20Fees%20&%20Charges.pdf

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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I think that this bit of info is a vital addition to ALL YB/CB & NB cases. I would have thought that it will completely undermine the defence, when they claim they are for a service and not a penalty.

I would also have thought that it is something that could also be referred to in any LBA. Get it in early to stop their stalling.

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Thanks for the information Alphageek - it was very useful and very revealing.

I looked up the Allied Irish Bank (Republic of Ireland) website and found that they charge 4.44 euros for "a cheque lodged to your account and returned unpaid". They charge 6.35 euros for a "cheque, direct debit or standing order presented on your account and returned unpaid." The Allied Irish Bank also have branches in Great Britain where customers are charged £25.00 for an "unpaid item" and £3.50 or £7.50 for sending out a letter presumably to tell you about the charges. It is the same story with the Ulster Bank which is owned by The Royal Bank of Scotland. The Ulster Bank (Northern Ireland) charges £30.00 for an unpaid direct debit, standing order etc., whereas the Ulster Bank (Eire) charges 12.70 euros.

I don't know if these unequitable charges are common knowledge, but I was certainly unaware of it. Why is the Office of Fair Trading procrastinating about coming to a decision regarding bank charges in this country when bank customers here are clearly being ripped-off by the banking establishment?

Perhaps someone else could check out these figures in case I am missing something or have misinterpreted them. I have found that the easiest way to get access to non-British Banks is through Wikipedia.

Sorry if this information already exists somewhere on this site.

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I have just been reading posts in the Lloyds sub-forum and the thread Appeal for Price Comparisons in Space and Time started by Mistermind refers to the anomaly in the fees charged by Irish and British Banks. He suggests that this information should be part of a claimant's court bundle.

Also, since Diddled is interested in information about the NAB, he should read the Australian Report on Default charges by Nicole Rich of the Consumer Law Centre Victoria which is available on this site as it seems to show that the NAB have the highest penalty charges in Australia. This report should also be added to court bundles since it comes to the conclusion that penalty charges are disproportionate to the bank's costs which may be particulary relevant given the NAB's connection to the CB/YB group.

Unfortunately, I don't know how to provide a link to these other threads.

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