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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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Advise From Bank Staff. Please.


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HI,

Wonder if I could just ask your thought's on a neighbour's situation. The person is female, a single parent and unemployed. Some two year's ago she was just about to move to a new house(rented) had just had an interview for a job and her life seemed about to take a much needed upward swing.

Feeling bold, brave and full of hope she asked her bank for a loan, £5000. Amazingly they granted it,dont have to be Mystic Meg to guess the rest do you? She never got that job so struggles to pay back the loan, when she does it's by topping up her Child Benefit payment's that get paid directly into her account. My question is do bank's normally grant customer's loans without checking their income,wage slip's etc. Seem's strange to me.

Never had a loan myself so dont have a clue about standard procedure etc.

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Sometimes a bank will ask for proof, sometimes they will trust the customer - it depends on their relationship with that customer. But they will have asked her about affordability. Is it possible she didn't answer truthfully?

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In my sisters case, because she was very good with her money

 

(I hate her lol)

 

the bank kept on offering her Loans (one for £7000 and credit cards (platinum).

 

and she was on income support.

 

Me, working, paying taxes money going in and out of bank regulary, but somtimes going over agreed overdraft limit,

 

NOT EVEN ALOWED AN ELECTRON CARD.

 

We opened our accounts roughly at the same time.

 

Need I say more.

10/3 Preliminary letter sent to bank

17/3 Acknowledgment letter recieved from bank

24/3 LBA letter sent to bank

19/5 Claim filed with court

10/6 Defence filed by bank

13/6 Allocation form filed with court

18/10 Preliminary hearing set by court for 10/11

21/10 documents for claim filed with court

3/11 Money deposited in account

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That was my original point but how does that work out. Are no check's or securities sought, seem's crazy to me. Is it any wonder people end up in terrible debt. The lady I am talking of is a single parent with no partner, so they cant even take that wage/income into account. As I say, crazy and reckless.

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Sorry, my post was probably not clear enough.

 

My sister is also a single parent on income support, but because she kept her bank account in order , every time she was called in to review her account they wanted to throw money at her, why? I don't know because she would never be able to make repayments. Thankfully she said NO!

 

It seems that good account management is all that is needed for the bank to entice you into owing them more via credit, even if you don't want it!

10/3 Preliminary letter sent to bank

17/3 Acknowledgment letter recieved from bank

24/3 LBA letter sent to bank

19/5 Claim filed with court

10/6 Defence filed by bank

13/6 Allocation form filed with court

18/10 Preliminary hearing set by court for 10/11

21/10 documents for claim filed with court

3/11 Money deposited in account

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When I worked for HSBC, in order to supply a loan to anybody, we needed to do an affordability chart and present it to the manager. If the customer said she was getting a job with better pay, the bank should have suspended the application once it was accepted and waited for her to turn up with a contract of employment.

 

I suppose it depends on which bank you go to, there are a lot of people out there just trying to hit targets and earn bonuses not giving a damn about people.

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