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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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Business Account Rookie


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Hi everyone

 

I have just registered and have been reading quite a few of the postings etc.

 

I have slightly different parameters from many of the contributors and am wondering if there are any others out there in the same position as I am.

 

I run a Limited Company in Scotland which has not been trading well for some years now and is basically making a small profit or small loss each year.

The nature of the business is such that sales are irregular making Cash Flow a major concern. The Company banks with a Scottish Bank (I am being circumspect here) with whom it has an Overdraft facility and a Term Loan.

In the longer term, the overdraft facility is adequate for our needs but when business is slow or when customers don't pay on time, the overdraft limit is often breached.

In the last year we have been charged around £6000 in excess overdraft charges and charges for returned items. I have not calculated the amount for previous years but it must amount to between £3000 and £5000 per year for the previous 4 years.

The overdraft facility is reviewed every 3 months and the Company is charged a £300 overdraft arrangement fee at each review even though the actual arrangement has not been changed for three years.

OK, so I could claim excess charges money back but what if the bank were to get nasty. The Overdraft and Term loan have my Directors Personal Guarantee as collateral (i.e. my house). Because of the Company Accounts it is unlikely that another bank would take it on.

In case you wonder why I have not chucked the whole thing in, I have been trying to get a job for the last nine months without so much as a reply from my applications. I am 62 years old and unbeknown to me, my brain must have died somewhere along the line. I still need to earn a crust.

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Hi whistlebinkie

 

Welcome to the forum.

http://www.consumeractiongroup.co.uk/forum/scotland/

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advide.

use the template letters in order. Stick to the timetable in there.

 

LINKS....

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

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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Guest louis wu

Hello and welcome to you.

 

I have found a few business threads for you to look at

 

http://www.consumeractiongroup.co.uk/forum/halifax-if-successes/35195-maroondevo52-bank-scotland-business.html?highlight=business+account+scotland

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets.html?highlight=business+account

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/26925-business-account-over-19-a.html?highlight=business+account

 

 

 

I have sympathies with your situation, and it must be tough thinking that the bank may just pull the plug on you if you challenge them, but, it is your money they have, and it sounds as if they have got quite a bit of it!

 

I think you need to have a good look around this site, post questions as and when they arise, and hopefully you will be suprised at what answers can be found.

 

Sincerest best wishes, and good luck

 

Louis

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Guest louis wu
Thanks Louis. I'm determined but cautious.

 

 

Thats the best way, less likely to make mistakes, yet likely to get the best out of this.

 

Keep us posted. Best wishes

 

Louis

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