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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
      • 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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Banks - What can they do?!


angeljen
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I've noticed that a lot of users on this site recommend anonymity, some have even edited their signatures from showing what they are claiming from which bank because of the "Men in Black".

 

What does it matter if the banks find that we are using this website? What can they actually do?! Surely it would scare them off knowing that we are part of a 100,000-strong website of people?!

 

I don't understand. Are some users just paranoid?

Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

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I've noticed that a lot of users on this site recommend anonymity, some have even edited their signatures from showing what they are claiming from which bank because of the "Men in Black".

 

Computer Misuse Act prevents them from doing this. Not that this will deter the banks, particularly since they feel entitled to abide by only those laws which guarantee them a profit.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Indeed - Citicards even printed someones posts off for their defence!

 

Didn't help them though ;-)

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Right, so, am I breaking the law by telling people my bank has broken the law and I am taking them to court to prove it? Um, yeah, Jen, it's slander if it hasn't been proven in court. I've got it now. It's the blondeness, you see!

Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

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You haven't broken the law. Libel is a cause of action, not a criminal offence. :)

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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What can the banks do ?? Hows about they can Go Forth and Multiply ?..lol:o

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 1 month later...

If in doubt then anonymity is always a good idea. Things are shady and complex enough with credit records, various scoring techniques and record files being kept in bracnhes ...with or without the Data Proetction Act. Not to mention a lot of afflected/ effected people live and work in London/ Birmingham/ Manchester/ Edinburgh with the sheer size of financial services industry and any threat of work history being tainted!!

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  • 3 weeks later...

Dont think anonymity really matters too much it is just a product of the net, people can hide behind their handles for all kinds of reasons in chat rooms etc. . I for one dont care who knows im claiming back the charges.

 

This group of over 100,000 CAG members is just the tip of the ice-berg. The Banks are heading for a rough ride in general with ever increasing bad debts, easier bankrupcy laws etc..they would do better for their reputations to start talking turkey asap..

 

I cant think of any business that would want so many unhappy customers and wait until almost on the court steps to settle requests for refunds or negotiated partial refunds instead, they, the Banks have simply taken a them and us stand, totally stupid of them as bad news travels far quicker than good news, very short sighted as they often are with business banking.

 

We should all find different ways to handle our money and take the power from them, they dont deserve the loyalty they get from their customers.

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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here here nevo, apart from one small point, no banks no economy and we go back to trading pigs and wool for the weekly shop.

 

what we need are banks specifically for personal banking and seperate banks for business. That way each should be able to meet their customer needs. But then they are profit organisations, so will still make money from services somehow.

 

just a thought

Jell

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The primary function of the banks is to facilitate the economy, and profit making is secondary to this. Many of the high street names seem to have their priorities wrong as of late.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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