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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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I have gone through the motions and recieved the normal goodwill gesture.

I have/had and overdraught of £2000 which was only increased everytime to pay for the charges. My claim is for £3987.

I rejected the goodwill £1300 and accepted it as part payment.

Two days ago i tried using my card at a store where it was declined, this happened twice. On phoning Abbey they informed me that the overdraught was cancelled, and in money in the account was used to pay toward it.

 

I was lead to believe that they cannot make changes to an account without informing the account holder. I am now £1300 in debt rather than overdrawn. as all my money in the bank has been taken by the bank any direct debits are going to be returned, and will not be payed,

Where do i go from here.

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Hi,

 

they are not allowed to just cancel your OD without notice.

 

A simalar thing happened a day or 2 ago, check out this thread

 

Abbeyjuatbentusover

 

they manged to get the OD reinstated by calling them.

Give that a try and inform them that they are breaking the banking code and you will complain.

 

good luck

Lloyds settled in full

£4010.02:D

 

Halifax CC settled

£417.00 :D

 

Lloyds PPI

£3672.15 Refunded off loan :D

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does anyone know what banking code is being broken, so that i can quote it on the phone to them

 

Hello,

 

I do not believe that they are allowed to penalise you for reclaiming back your bank charges.

 

Here is the banking code for your reference

 

http://www.bankingcode.org.uk/pdfdocs/BANKING%20CODE.pdf

 

I would write a letter of complaint to them, and the Chief Executative of the bank. Maybe also the OFT and the FOS reporting them for their despicable behaviour. How childlike they are. I would also put in a claim for late payment charges, you will be charged by other companies who do not get their payment.

 

Oh and while your at it. Maybe change your bank account

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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All Hail the english

 

I first spoke to our wonderful indian helpdesk who gave me a big speech about the underwriters and it is all my fault and therefor nothing that can be done.

I put the phone down and called again this time selecting the lost card option (3) I then spoke to an englishman who admitted it was a bank error and he reset the overdraught.

I was going to quote the Monopoly game "bank error in your favour collect 200" but that would be pushing it.

 

Thanks People

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