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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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M&S Chargecard/credit card PLEASE HELP *** SUCCESS ***


emmtay
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Hi ims

I have had another offer from them, still no where near what my figures are though! I have the spreadsheets ehich I would like you to look at, both theirs and mine...how do I upload them onto here? I know I have to blank out personal details but don't know how to do that either?!

Hope you can help again

cheers Emmtay

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Posted Images

You can use this method to upload your files

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

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Hi, ok so I take a photo on my mobile and then save it as a picture file etc.? Will give it a go but have a feeling the print might be too blurred to read!

Could be a while....will do as quick as poss!

Cheers

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hi

ive taken the picture on my phone, emailed it to myself, saved it as a picture, tried to open adobe reader and it says it can't read it as something to do with email?!

Tried to save it as a pfd and there isn't an option for that? Please help?! I really am not any good at theses kind of things:oops:

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Their letter -

 

Dear Miss .....

 

Please find attached a revised spreadsheet calculating your PPI refund.

 

The refund has been calculated in line with the guidance issued by the

Financial Services Authority (FSA).

 

The contractual rate of interest used is 18.9% and statutory interest has

been calculated at a simple rate of 8%.

 

The password to open the spreadsheet is insurance1 (case sensitive).

 

I acknowledge that we have made errors in our previous calculations which

has caused you inconvenience.

 

Therefore, I propose to offer you a compensatory payment of £200.

 

If the settlement is acceptable, please sign the attached acceptance form

and email this back to me.

 

On receipt of the acceptance, I'll arrange for the payment to be

transferred to your bank.

 

As you will be aware the Financial Ombudsman Service requested our case

papers in 2010. If you remain unhappy with our calculations and

compensatory payment you should refer our offer back to the ombudsman

quoting reference 9294985, so they can adjudicate impartially on our

proposed settlement.

 

Once again, I am sorry for any inconvenience that has been caused regarding

the assessment of your refund

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Acceptance form.pdf

 

Thats all their revised figures, I will put my figures on next.

I know you said to use the date the account was closed as the claim to date but I am trying to use the claim to date as the date they finally pay me. The reason I am trying to do this is because my argument is...I started this claim in 2009, when the card had a continual balance of around 9.5k, only paying the monthly D/D for the history of the card basically, and last year I borrowed money from a relative to pay the card off and stop paying them anymore interest. Had I not been able to do that, the card would still be running and in around the same figure. My point to them is that when I inititated the claim, and had it not been dragged on for so long, going through FOS, the account would have been still open. I am also asking for compensation due to them rejecting my claim which

they knew the FOS would eventually uphold, as they had offered me over 2k about 18 months ago as a settlement amount, therefore in my eyes admitting mis- selling of PPI way back then! Plus nearly 4 years of paperwork, distress, worry, recorded delivery costs, phone calls, letters, ink, paper.....etc.!

Feel better after that phew!

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StatIntSheet%20v101(1) 2nd sheet.pdf

 

Ok, thats everything!

So, I don't have a clue what their figures mean or how they have got to them? Why are they using FSA guidlines and NOT FOS? Are they right? If they are, then what date are they calculating to, as its not clear to me:oops: If they are wrong, and I am right, please can you tell me how to explain to them that they are wrong?

I really need to get this sorted out, its starting to make me ill now:x

Thanks

Emmtay

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