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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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Where do I start


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Hello all,

 

A total newbie to this but decided the time has come to get this sorted. I think I have charges from

Next

Egg

Morgan Stanley

Lloyds TSB

Barclays

Co-op

This came from when I was a student and got into debt and now want to get out of debt with help from the bank that helped me get into debt.

 

Who are the best to start with?

 

Thanks

Congrats

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I would start with the banks are they are the easiest to get to grips with.

 

Saying that, send off your SAR to all of the companies you are going to claim from that way you that way you just have one 40 day period to count down not multiple 40 day periods... (gets confusing)

 

If you are making multiple claims, get a calander and a couple of cheap folder to keep everything organised.

 

I would recommend reading everything in the FAQ’s, they really are essential, when you think you have read everything go over it again just to be safe! I would also read all of the guides, step by step , money claim on line, etc It may never get to court but its better to know the process before you start.

 

When you have read everything and think you are ready, start a thread under Lloyds and Barclays. This way you can post your progress, ask questions and get help from people who know your banks tactics!

 

 

Once you have claimed from you banks you will have so much more confidence and will probably go for the rest of them in one go!:D

 

 

Good Luck

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Hi congrats.

 

Welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters.

 

LINKS....

FAQs....

Templates Library....

There is also live chat, visit if you need any quick advice.

http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

Finally good Luck.

Happyolddog.

 

If my advice helps please tip the scales, left.

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Thank you! One question, before I get started.

 

I am currently on a repayment plan with the CCCS and have spoken to them. they advised me to do this myself and not pay somebody to do it. Can you think of any reasons that already being on a debt repayment plan will affect my success? i am hoping that between all the banks I listed I have been charged enough to pay my debts off, which is quite likely.

 

Also I don't have a cheque book, can I send postal orders or do I just acknowledge that I know it costs £10?

 

Any ideas or tips please? Because I owe most of the banks etc money I am quite worried about doing this. However, have already told the CCCS that if I get money back I will send it straight to them to try and arrange early settlements. I read the FAQs including the part about IVA's but just wanted to double check.

 

Thanks

 

Congrats

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Thank you! One question, before I get started.

 

I am currently on a repayment plan with the CCCS and have spoken to them. they advised me to do this myself and not pay somebody to do it.

This would be my advice.

Can you think of any reasons that already being on a debt repayment plan will affect my success?

None whatsoever

i am hoping that between all the banks I listed I have been charged enough to pay my debts off, which is quite likely.

Excellent. It is good to use the money for this purpose.

Also I don't have a cheque book, can I send postal orders or do I just acknowledge that I know it costs £10?

A postal order will do just fine.

Any ideas or tips please? Because I owe most of the banks etc money I am quite worried about doing this. However, have already told the CCCS that if I get money back I will send it straight to them to try and arrange early settlements. I read the FAQs including the part about IVA's but just wanted to double check.

Congrats to you congrats, you look very well set up. All the best with your claim!

 

Thanks

 

Congrats

Crusher :-D
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