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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.
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      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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RBS 35 Additional Questions After PPI Calim


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RBS have acknowledged by complaint

 

 

however they have asked 35 questions and given me 4 days to answer.

 

 

The questions are all financial, employment, medical and status related and refer to 1997.

 

 

I ma afraid I don't really have answers for the majority and therefore I am seeking opinions or information about the possible outcome should I not be able to provide the information they require.

 

 

I would appreciate any help or advice that is available.

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use this if you must send them anything

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

 

how did you initiate the original claim

by a speculative letter?

 

 

tell us the full story please

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't do PPI or so I thought

 

however, I found that during a period of stress related illness,

I had in fact had it added to a credit card either without my knowledge or because it was packaged.

I submitted an FOS questionnaire

 

So far I have received one acknowledgement letter,

3 text messages and yesterday a phone call.

 

The call handler wanted to ask questions over the phone, I was reluctant to do this and asked for letter.

 

I received the letter today and it has 35 questions all related to 1997.

I am going to struggle to answer these.

 

The request is that they have a response by Monday the 7th which is 4 days away.

They have also included a telephone number for this but no e-mail.

 

I am worried that should I not respond in time they will proceed with the limited information they currently hold.

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I would never be filling in a bank questionnaire and IMHO

that's what the FOS one is there for.

 

 

did you sar them first

and workout what you should get ?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It was the FOS questionnaire that I submitted.

 

They are asking the questions to help answer your complaint. Some people are slightly suspicious - but its standard practice.

 

If you don't provide any more information, they'll just answer your complaint using the information they have. If your complaint isn't upheld and you go to FOS, they'll be asking the same questions.

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