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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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Claiming beyond 6 yrs - important new information!!!


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Most excellent news!

 

I know I got charged £5 a pop quite a frw times by Sharkleycard back in the mid/late 80s.

 

19/12/85 £5 = £333.40

19/12/85 £5 = £333.40

17/02/86 £5 = £322.42

17/02/86 £5 = £322.42

 

Soon adds up at 19.9% compounded, doesnt it? :eek:

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When I started college in 1985 I opened an account with Barclays (this bank was viewed as politically unsound by the Student Union at the time, because of Barclays support for their apartheid government of South Africa)

 

Anyway- they were giving Barclaycards to anyone who asked, so I grabbed one.

 

Ran up massive debt and got lots of charges and eventually paid off the lot in 1987 and never used it again.

 

Reapplied in 1999 and the letter they sent with the new card said "Welcome back Noomill060!" - with a credit limit far higher than you would expect if you were a new customer.

 

They clearly remembered me, so its fairly clear that they do hold records for far longer than the magic 6 years.

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keez- send Nat West the current Subject Access Request template, suitably modified for your own circumstances, this will put the debt in dispute and should prevent any further action being taken.

 

You must also write to the court telling them that the debt is in dispute as you believe it contains unlawful penalty charges and that you intend to claim back all unlawfully applied charges and interest levied upon them.

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And keez- Just so we can start to help you, it would be best of you started a thread of your own (keez v Nat West) so that we know whats happening in your case and where to find you.

 

You are among friends here. :)

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Lets face it, it is highly likely that the banks have all statements on microfiche, going back at least to the 1970s.

 

We simply have to put them in a position where they have no option but to provide them.

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Now- Im in an interesting situation with Sharkleycard.

 

They failed to comply with my SAR, sent last October, just got the same load of microfish BS that everone got and a couple of statements.

 

Complained to the ICO who instructed Sharkleycard to comply, and I got few more statements, but nowhere near all of them. (My history with Sharkleycard goes back to 1985/86 with a gap until 1999)

 

Started small claim for damages back in March, and they had until this month to respond, which they have now done.

 

Read the whole story, this could be interesting and useful for a lot of people.

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/62596-noomill-barclaycard-r-subject-2.html

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Hiya!

 

Dont worry guinness, were all in the same boat, we all pick this up as we go along. This site has been going best part of year now and there is always someone who can help out.

 

Never think that you are on your own, in joining CAG you've just found over 130,000 new chums to back you up. :-)

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Perhaps he doesnt want to, or doesnt have any pre-6 year charges?

 

(Or given that his career is at stake, feels he is pushing the envelope enough as it is.)

 

Dont forget that his claim is for exemplary damages, he has already had money thrown at him by the bank in relation to his charges.

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Hi sally,

 

Your next step is to work out how much interest you have also paid.

 

Start a thread in the relevant section, let me know where it is and I'll show you how. You will be amazed how much they really owe you:)

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Which are you claiming against? Barclays- use the Barclays section, Abbey, Abbey's section etc.

 

This site can be a bit confusing!

 

Go here, scroll down and click on your bank. If you cant see it, use the "Other Institutions" bit.

 

Scroll down to the bottom then click on the "New Thread" button and away you go!:)

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