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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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RedVixen vs Co-op


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SAR sent last week

 

They are going to serve a default notice on me this week but the ammount they are issuing the notice on is less than the unfair charges so I am hoping this can be removed at a later date.

 

Infact everything that they claim I owe them is charges:-x

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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  • 2 weeks later...

send them a letter stating that the account/amount is offically in dispute and to stop any actions they may be taking, do this today via recorded del

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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  • 2 weeks later...

I had this problem with my wooly claim - they kept pileing charges and sending me letters re defaults.

 

As awful as it sounds its just scare tactics!!!!

 

In fact all in all most of my deafults are 100% bank charges!!

 

Stand firm and stand strong you'll get there!!!

:-x Kennsignton Mortage Company

:-x GE Captial

:-x Welcome Car Finance

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This was over three weeks ago and the default hasn't appeared yet - on another note despite the fact that Lloyds received the SAR nearly a month ago I have just had notification of another charge - do they not communicate to each other?

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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  • 3 weeks later...

OK got my Info back now with no attempt to explain how all charges are justified unlike RBS. They still haven't issued a default notice.

 

It is a very simple list with column titles i really don't understand but recognise the amounts in the first column as definately being charges

 

Question - there is a standard £8 service charge that Co-op charges is anyone is over drawn by agreement - can this be claimed as well because this account was never that far overdrawn and £8 represents a significant cost relative to the ammounts.

 

There are off course much larger costs when the account was overdrawn more that the agreed ammount which mounted up an caused the problem

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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no you can't claim arrangement fees, sorry:(

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Hi

 

I sent my SAR on 31st March and as of yet had no response - Did they cash your £10 cheque? - mine has not gone out yet - just wondered what my next step is. They have until tomorrow to respond but I'm not sure if Bank holidays are included in the 40 days... Any help appreciated!

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