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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
      • 162 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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HFC Bank


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Hi

I am new to the boards so hope this is in the right place.

I recently applied for 12 months interest free credit for a new computer via HFC Bank, but it was declined. I have never been declined before and was totally embarrassed. I phoned the bank from the shop and asked why, they said they couldn't say except that I didn't meet the criteria, but that they used Equifax for credit ratings. I obtained my rating from the Equifax site on the internet and spoke to Equifax also. My account was completely clear with no problems. I then spoke to the bank to find out why I had been refused and they said I had to write in. This I did, asking for details of why I had been refused. I have just received a letter back from them saying I did not meet the banks criteria. They have not given me any details at all. I am concerned that I have now been refused credit which impacts on any other application for credit I might want in the future.

 

Am I within my rights to insist they tell me why I have been refused, and do anything about the refusal?? I don't need the money now, but want the refusal overturned. Any advice would be appreciated.

 

Many thanks for reading this long saga

 

Vicki

Regards

 

Vicki

 

 

HSBC - Asked for details - 24th June. First few sets arrived 7/7/06. Letter sent requesting £772.00 refund on 15/7/06.

Full offer accepted.19.8.06

M&S Money CC - Asked for details - 24th June - responded 29th June - No charges made.

RBS CC - Asked for details - 24th June.Statements received 7/7/06.Letter sent requesting refund of £301.00 0n 15/7/06

 

 

Next date 29/7/06 ;) Refund refused 17.8.06. Starting court action21.8.06

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No the bank do not have to give you any further details than what they have provided you they dont refuse on a single reason they will have "scored" your application for credit and you obviously (for what ever reason) fall outside of their demographic. It can be for silly reasons like perhaps you dont own your own home and they mark you down heavily for that.

 

If your file is clear then I would chalk it up to experience and not worry too much about it

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Hi

I think HFC are reading these threads - within an hour of posting my enquiry, they were on the phone explaining the situation and offering a loan - very pleasantly I might add. So well worth it.

 

Many thanks

 

Vicki

Regards

 

Vicki

 

 

HSBC - Asked for details - 24th June. First few sets arrived 7/7/06. Letter sent requesting £772.00 refund on 15/7/06.

Full offer accepted.19.8.06

M&S Money CC - Asked for details - 24th June - responded 29th June - No charges made.

RBS CC - Asked for details - 24th June.Statements received 7/7/06.Letter sent requesting refund of £301.00 0n 15/7/06

 

 

Next date 29/7/06 ;) Refund refused 17.8.06. Starting court action21.8.06

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