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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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Adams V Mbna


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  • 2 weeks later...

I got a reply from MBNA today sayingthat they have receive my complaint and I should hear something in 28 days from the receipt of the complaint....what do i do now - shall i sent the LBA off straight away or wait until the 30th when the 14 days is up to send it?

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What Michael says is absolutely correct, although it's very unlikely that you'll receive another response from MBNA within your 14 day deadline, it's best to keep up the 'being reasonable' stance just in case it ever reaches Court.

 

After the 14 days, send them your Letter Before Action, and at the end of that give their Advocates office a call (Gareth in there seems to be pretty good) and advise them that unless you get a full refund, you'll be starting Court Action.

 

Good luck

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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  • 2 weeks later...

So I rang their office today as I hadn't had any response and althoughit was a bad line she said that they had sent a letter out and basically deny the charges etc but are offering me a goodwill gestur of £200 - PHHHAA - I will wait till I get the letter - maybe in tomorrows post then I will start the money claim online - or shall I ring them back and say no its not acceptable?

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OMG I Phoned them but yvonne who is dealing with my case is going home in an hour i said the offer of £200 is not acceptable and I gave her until 5pm on monday to review it or I will be starting a MCOL. gosh I am ok in letters but after that phone call I am shaking

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DON'T !

 

These guys are trained negotiators and will sense when you are vulnerable and will then go in for the kill. Be strong, even if it is just for the few moments you speak to them. If you bottle it and agree to something you don't want to you will be kicking yourself forever and a day !

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O I was strong on the phone - just was all shaky after I have put the phone down - excitement nerves I don't know, Roll on monday. Should I call again Monday afternoon chasing them or just file a claim if I don't hear from them?

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Screw 'Em ! Just file it ! I think you have been over generous by allowing them Monday to come back to you. We must remember, you are not dealing with Yvonne, you are dealing with MBNA ! What if she gets knowcked over by a bus this weekend, does MBNA close and your claim ceases ? No. Forget the individuals, it;s the company we are dealing with !

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OMG - so I was already to do the MCOL tomorrow and I just got a call from Gareth Tunnicliffe - he went on about how I had some charges refunded blah blah and I had worked out the interest wrong it should be 24.9% I was expecting the worse when he offered more than I was claimng and it will credit my account within 48 hours!!!! wic - will donate as soon as credit appears - I cannot thank you guys enough :grin: :grin: :grin: :grin: :grin: :grin:

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How do they get the interest at 24.9% I have sent my LBA and have partially calculated my 8% interest per day per charge on a spreadsheet. Is the 24.9% related to the daily rate of interest from the MCOL registration?

Halifax: Data Protection Act letter sent 20/03/06, Request for charges refund sent 20/05/06, LBA sent 08/06/06, MCOL completed 03/07/06, Claim no 6QZ43444 date of service 07/07/06. Claim for £1665.

STILL WAITING!!

MBNA (two cards): DPA letter sent 21/03/06. Request for charges sent 05/07/05, LBA sent 20/07/06.

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?? I don't know - I didn't go down the MCOL bit was about to when he rang up and offered me - I wasn't going to argue as he worked it out being more than I claimed for . 24.9% is the interest rate of the credit card so the interest I have paid onthe charges form them. HLH

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Hi

From what i can gather from this forum, this is the interest that you have paid when their charges have taken you into an overlimit stuation, thats all i can suggest but i do believe this is right.

You only add on the 8% at the moneyclaim stage this is what the court rules allow you to do

Regards

adamski

 

 

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