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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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£5103 claim . FOS???


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The process that the FOS go through basically asks the banks to settle or explain their costs in relation to the charges so at this point the banks seem to be offering settlement excluding interest.

If this offer excludes interest that you asked for then contact the FOS and explain why the offer should include it, if the bank refuse then the FOS start the complaint and investigate this will mean more time but if the amount is substantial it may be worth waiting for.

One thing to note is that the FOS obviously dont want bogged down with complaints and hope many claimants will accept the first offer made by the banks to avoid any investigation but that is your choice not theirs.

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If you have had charges over this amount then why would you settle for less.

At the moment due to the FOS being a relatively new route we dont have many cases to reflect upon. However there are other cases that have refused full settlement as it didnt include the interest, in your case it seems an obvious answer as it is way short of even the charges.

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Hi

 

Can anyone give me contact details etc and templates to write to FOS to claim about £1500

 

Thanks

 

M

 

Phone the FOS and they will take a few details from you then send you a complaint form. Or you can go to their website and get the form there. You won't need any templates as all you need to do is fill in the form.

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I'm now at the panicing stage!! I've put my claim for around £6,500 into FOS, but have received another letter from A&L saying they're not going to budge on their decision and they feel their charges are fair blah blah blah. Worried now that they're not scared by the FOS investigation, FOS rule in their favour and I end up with nothing :???: . Anyone else experienced this???

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I think you are worrying a bit to much, how far have you got with the FOS, have they contacted the bank yet?

 

They should get back to you with the bank's offer at some point, start from this point rather than assume the worst.

 

We are on our second offer from the RBOS through the FOS and have been offered all the charges and some of the interest.

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Hi deneedenee im just adding on here to reassure you as stew has said.

The FOS have a 100% success rate and even in the event of them refusing (pink pigs flying by there) you can continue to court.

The FOS will get your money back so sit back and relax and if the A&L are so adamant they will not budge then be sure to remind them of this when they do indeed settle.

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Thanks for your support, it's re-assuring.

 

I had sent to A&L asking how they arrived at their figure but they sent back today saying they wouldn't and that they still think their charges are acceptable. I dont think FOS have contacted them yet.

 

I'm on holiday for a couple of weeks so maybe I'll have good news when I get back, then again thats perhaps a bit optimistic.

 

Thanks again

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  • 2 weeks later...

Hi folks.

11. What happens to those wanting to, or in the process of reclaiming charges while the case is going on?

It will be for the courts to decide in relation to claims made to them.

The Financial Services Authority has issued a 'waiver' from its complaints handling rules. This action means that until the test case is resolved any bank or building society that applies for the waiver will not be required to handle complaints relating to unauthorised overdraft charges.

The UTCCRs law is one factor that the Financial Ombudsman Service must take account of when making its decisions. As this action is expected to provide certainty about the law, the Financial Ombudsman Service has decided not to progress complaints about current account charges until the outcome of the legal action is known.

 

 

 

The last part of this paragraph worries me..

 

 

 

 

I hope this just applies to new cases ans not to existing ones.

 

 

 

I'm going to phone them tomorrow and ask about this, unless anyone can shed any light.

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I don't know. Give them a phone tomorrow morning. I would think once an offer is made it should be OK unless you have refused it.

 

Cheers cosme kramer.. this has been going on since January.. What with the crap Scottish 1500 limit.. blah, blah.. and Lloyds persistant..we're givin' u nothing attitude... seemed this morning I had it sorted.,.. 6 months later... wish i'd not come on here tonight...lol

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The banks have to honour ANY offers made before Today.

 

Hope so... I'm totally ****ed off with it now... 6 months later.. Oh to be ruled by Scottish Law eh???

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