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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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emmakinkybear v Natwest **WON**


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Im my earlier statements i seem to be getting charged £14 for unarranger borrowing fee and £6 service charge. I have been told that i can claim for the £14 but not the £6. does anyon know if this is correct. Then later on the charges see to change and the £14 and £6 charges stop to be replaced by a £20 "Charge" has this been lumped together and how much of it can i claim???? And again later on the £20 "Charge" turns into a £28 "Charge" what protion of this can i claim. I am so cunfused. PLEASE HELP :confused::confused::-o:confused:

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Hi Emma, welcome on board the nat west forum!

 

Sounds like you have an advantage gold account - this thread explains more http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html Basically, you can't reclaim the AG fee as it isn't a charge - it's a fee for a service they're providing.

 

At some point, Nat West started lumping the AG fee in with the unarranged borrowing fee every month and just calling it charges - even though they class it as a service fee! So just deduct the AG fee from all of your unarranged borrowing fees as it says on the above link.

 

If you need any more help - just post back on this thread.

 

Good luck, hedgey xxx :p

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Hi there, welcome to Natwest forum

Advantage Gold fee was 6, then 9, then at the moment 12. You can't claim these back. You can claim the unarranged borrowing fee which is 28. You'll probably find that at the end of the month you get charges £40.00. This is 12 a/gold and 28 unarranged borrowing i.e for going over your limit.

 

There's a very useful sticky - Guide to Advange Gold fees I think its called, no doubt Hedgey will be along in a minute to post the link cos I still haven't got round to getting links sorted.

 

Any questions just post back and someone will help you out.

 

Wendy

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A/C usually short for account charge I think..(that would seem logical but since when were banks ever logical? 28 is unarranged borrowing, i.e.going overdrawn without permission or going over your overdraft limit. I think it used to be 20 before it was 28. Check out that thread that hedgey posted.

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Hi again emma, this thread compliments the other thread that I posted earlier http://www.consumeractiongroup.co.uk/forum/natwest-bank/79547-natwest-charges-guide.html well worth a good read! xxx

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ooooooooo you lot are angels???? im gonna get my other half to have a look at it all 2moro as i am rubbish with numbers hence getting into the problem in the 1st place. I hope that he will be able to sort it all out for me. if not i will see you here 2moro nite lol. so far the claim is worth £2755 with the 8% ineterest but seems i could maybe adding a bit more. Thank you all so far.

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Good luck emma, have a really good read through the two threads as these will help you to get your charges spot on!!

 

Don't forget that you can't claim the 8% interest until you file at court - just 'hide' this column on the spreadsheet for now!!

 

Keep adding 'em up!!!! Hedgey xxx :p

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Hi emma, send your prelim and LBA to the Borehamwood address - it's in this sticky here http://www.consumeractiongroup.co.uk/forum/natwest-bank/74934-natwest-contact-information.html

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  • 2 weeks later...

I today recieverd a letter from Natwest saying that they are considering my claim but won't be able to properly respond for 6 to 7 weeks.

After recieving this letter my next step is LBA. Am i right to do this now? or should I wait for the time given????????? :confused::eek::roll:

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Don't worry emma, we're behind you all the way on here. Just post whenever you need help or moral support. Good luck, hedgey xxx

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Hi Emma,

 

This was exactly the same question I had! I have (after lovely advice on here :) ) sent the LBA letters. Now it's just a waiting game :D .

 

I'm worried about the whole thing going / not going to court, but I'm sure if we both do what this site tells us, it will all be ok.

 

Just remember - everyone is here to help if you need moral support or further info.

 

Tracy

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I will be ok with it all if/when it goes to court as a work as an enforcement officer at my local court. Its just a shame that I cannot issue my claim at the court I work in. I will have to travel for a hearing!!!

Yes I know that I shouldn't really need any help, but its a ball ache asking people at work for advice.:p

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Court is much more fun!!

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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Yeah if you win!!!! i have seen a case today where the claimant lost and was ordered to pay the defendant over £3000 n solicitors coste etc. Not sure that would be fun!!!! Although she didnt put up a very good argument

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