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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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any bank accounts out there for poor credit rating??


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Ive been with alliance and leicester for over ten years but i would like to claim back my charges from them asap as they come close to the £5000 mark.

 

I have read that they will shut my account if i win so i tried to open a new account with Abbey so i wouls still have a bank account to get paid in etc if alliance closed my account (just a basic acc, no overdraft) and i got turned down for adverse credit rating.

 

Note that the defaults on two other accounts that caused this are ones that have been caused by HUGE charges and i am fighting to get them removed!!

 

Just wondered if anyone knows of a bank that will open up any type of basic account for someone with adverse credit?? The lady in Abbey didnt think so but surely you lot can be more help......?:oops:

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There are lots.

 

Look at this thread

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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natwest step account ... dead easy to open!

 

even i've done it

when i win ...... 5% goes back to the site!

 

Halifax- 14/6/06 Data Protection Act.28/6/06 S.A.R - (Subject Access Request) - (Subject Access Request) handed in person. 2/7/06 Prelin sent for £3297. 19/7/06 LBA sent SETTLED

Halifax cc- 26/7 prelim for £140 - 14/8 LBA sent - 21/8 £ 70 offer - 22/8 Halifax agreed to pay £140 after call SETTLED

Halifax loan #1 - SETTLED

SMPL- 20/6/06 prelim sent for £610 4/7 sent lba after no reply. MCOL 29/9

Rooftop Mortgages - 20/6/06 prelim sent for £225. 29/6/06 letter rec'd saying no! /2/7/06 LBA sent

Capital One- 24/6/06 S.A.R - (Subject Access Request) sent. 2/7/06 prelim sent for £137. 19/7/06 LBA sent MCOL 29/9 SETTLED

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Hi! I opened a NatWest step account last week, just got confirmation this morning.

 

Just go down to your local branch. You will need two pieces of I.D. with your name and address on. One will need to be photo I.D. A driving license or passport for example.

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  • 10 months later...

manahed to open a new step account with natwest. Im at the stage now with alliance in the claiming process where they've put in a defence. They sent me an offer as soon as i started the claim for £500 (my whole claim is £2000) so i rejected. They put in defence and now im waiting for an allocation questionnaire (or an offer!)...this is definitely the worst bit...just waiting...grrrr

 

Is anyone at a similar stage or won recently i've had a look at the treads and there seems to be no consistency about when they give you a full offer...anyone out there to give me a bit of hope that it'll be soon??

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Yes Nationwide Flex account I would recommend, I got adverse credit CCJ, all they require is ID, they do not do a credit search. They give you a bank card and you can still do Direct Debits & Standing Orders. You can transfer online and also get a cheque from the branch to pay someone which is free of charge.

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