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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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Not really about charges but I need some advice


LisaDJ
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We moved to co-op bank in January, we have a cashminder account with no overdraft because our credit rating is knackered. sad.gif We are on a debt management plan with CCCS.

 

We've had a couple of times when stuff went unpaid and this month they've paid the items and let us go overdrawn. Of course they have also charged us £19.50 each time.

 

Each time it was "our" fault - One time I'd forgotten to transfer money from my Co-Op account into the Joint account, the other time I transferred enough to cover bills that I knew were coming out, but my partner took money out or spent on his card rolleyes.gif without checking with me

 

Yesterday we got a letter saying "please pay in enough to meet all future items... to discuss the matter further or if you are experiencing financial difficulties please phone blah blah blah..."

 

Today we got a letter saying "as your account is not being conducted in a satisfactory matter we no longer wish to retain your banking business. I am therefore giving you 30 days notice of our intention to close your account"

 

 

We had trouble opening the account with Co-Op in the first place. We got turned down by Barclays and Natwest, I'm worried that we won't be able to get another account! Can they really turn round and change their minds in a day? :confused:

LisaDJ & partner vs HSBC - partial refund £522 of £700.

 

LisaDJ & partner vs HSBC - partial refund £250 of £367 (Oct 06-Jan 07) - account being closed by HSBC :rolleyes:

 

LisaDJ vs HSBC - claiming £1550 up to Sept 06 - result coming soon.

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They did the same to my wifes account as it went over drawn for 2 hours. She had the basic account with them as thats who my current account is with and we wanted to keep things simple. She had her wages paid in every week as well as another £400 a month coming into it and had been £18 overdrawn and it was their charge of £19.50 that had put her over drawn in the first place. She was going to argue it but has gone back to using her Bank of Scotland account. I've just opened one with Halifax. Have you tried them?

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Today we got a letter saying "as your account is not being conducted in a satisfactory matter we no longer wish to retain your banking business. I am therefore giving you 30 days notice of our intention to close your account"

 

 

We had trouble opening the account with Co-Op in the first place. We got turned down by Barclays and Natwest, I'm worried that we won't be able to get another account! Can they really turn round and change their minds in a day? :confused:

 

yes they can, you were warned.

have a look at the parachute account sticky, there are plenty of banks that will help you.

 

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yeah but the warning letter was dated 1 day before the account closure letter, which came on a Saturday so I don't think they gave us time to ask for help.

 

We gave them a call and explained the situation and they have allowed us to keep the account but cancelled the direct debits so we have to call them when the bills are due to be paid.

 

Of course a lot of companies aren't happy about this so I have moved them to my own account for now.

LisaDJ & partner vs HSBC - partial refund £522 of £700.

 

LisaDJ & partner vs HSBC - partial refund £250 of £367 (Oct 06-Jan 07) - account being closed by HSBC :rolleyes:

 

LisaDJ vs HSBC - claiming £1550 up to Sept 06 - result coming soon.

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hehe

1 day, incredible

though your not the only one i've heard them doing this to.

maybe all these charge claims are biting them too hard...don't want the business if it means not profit for them only hassle.

 

i know i read something recently about a slight change in having to put up with so called 'bad new customers' in their T&C or some banking guidelines.

 

 

hope you get it sorted ok anyhow

 

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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