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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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HBOS OD - charges reclaiming


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Papers from SAR shows shockingly very high charges from 2009 to 2013 within period I lost my job and was struggling financially, can I seek refund from OC?

 

Just after calling OC and asking for complaint procedure and address, I received letter stating small % of charges will be refunded but paid directly to Lowell?

 

What's your opinion guys?

 

 

 

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spreadsheet done charges (ovd and interest) on 2 account from  2009 to 2013 almost 4k very high, please send me link for cover letter, etc..  

 

Is there any regulation I can cite to stop refund being sent to Lowell? 

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Hi dx

 

thanks

 

but it does seems this reclaim letter applies to Ovd charges (mine is daily ovd charges/fees for planned and unplanned, some for about 6 months of charges are interest debited because it's high interest reward current acc.

 

said template seems to be for Credit card late fees and over limit charges.. right?

maybe BCOBS suits my case better?

 

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Hi DX

 

I'm unsure if APR applies on this, OC was charging Ovd fees not interest like Credit Card. What I'm think is to include 8% interest on reclaim total for refund I'm seeking?

 

APR applies to Credit Card and some other charges I think ....Please clarify if you think otherwise.

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  • 1 month later...

update guys,

 

I sent letter to HBOS seeking refunds of charges, instead of replying they sent email requesting telephone discussion regarding said letter. Has anyone experience this and generally what do you reckon guys? 

 

I saw missed call and I'm yet to call back.

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update: I've given hbos further 2 weeks (final notice) and still no reply yet. I only got unexpected call from her manager arguing that I can't claim more than 6 years refund bla bla...my only response was to demand written reply.

 

re six years limit:

 

firstly, I think the fact they transferred debt to DCA and are still chasing me for full balance it means I can reclaim everything they owe since account was opened.

 

secondly, I only found out details of all excessive bank charges after they responded to my SAR, previously letter of appropriation and letter requesting freezing of interest and accept offer of a taken were ignored by hbos.

 

Guys, what do you think please? I want to start now to prepare for statement of claim. 

 

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