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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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Total bankers***won***


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They are phoning me again on wed. I will tell them thanks but no thanks. I just hope they don't start getting nasty and cancelling OD's. I didn't think I needed a loan ntil they mentioned it. £3000 would see me right. If they pay me my claim I will clear all debts!

Thanks lat, I will take a look at the Managed loan threads now.

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Freaky, who knows what spurs the internal workings of HSBC, I think they just have a very aggressive sales regime.

HSBC are selling you their services, they are not doing anything to assist you.

As Lattie says just tell their sales people you are suing them for the unlawful charges they have been deducting from you for the last 6 years, when they settle the claim this will cover the overdraft and therefore you are managing your own finances very nicely thank you.

pete

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and if you like - you can just say - i don't discuss my finances over the phone - please send me a letter (and a glossy pamphlet, if you like)

and don't worry about them taking revenge - it just doesn't work like that.

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I didn't mention the fact that I was reclaiming charges to the guy from HSBC as I thought if he knew that he might be inclined to take a harder line with me.

Thanks Pete.

 

 

Although he probably did know this which was why he was phoning on a bank hol to give me some Fiendly advice.

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also, should I ring DG to see if they received my breakdown? I know they have because it was signed for on tuesday.

I suppose I am being a bit optimistic thinking I will hear anything yet?

It is so frustrating though as the bank has started picking on me good style over things they never have before.

They are a bunch of total bankers!

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sorry freaky - just busy - go ahead and call them - just to ask if they have received your breakdown - don't get into any big discussions with them - just dusts your claim off - don't go ringing all the time - just once!

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still not heard from court or dg! Should I be worried? Sent letter to dg on 3rd and received notice of transfer on 1st.

 

 

Well, received a letter form the court today.

 

" district judge ................... has considered the statements of case and allocation questionaires filed (although there were no AQ's required) and allocated the claim to the small claims track.

 

The hearing of the claim will take place at 12.30 on the 20th june at ..................... county court and should take no longer than 2 hours.

The court must be informed immediately if the case is settled by agreement before the hearing date.

Each party shall deliver to every other party and to the court office copies of all documents (including any experts report) on which he intends to rely at the hearing no later than 14 days before the hearing."

 

 

 

Thats what it says, just thought I would type it out in full to see if peeps thinks its normal and nothing to worry about.

Please let me know your thoughts as its all getting very scary now.

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I am currently waiting for my court bumph. HSBC filed a defence today so I presume that the court bumph is on its way. I shall compare mine to yours when I receive mine.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Yep I think that this is pretty normal now you should read this thread as it will help http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html

Also this one will come in useful http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html :)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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can anyone tell me why HSBC staff refuse to give me their names on the phone? Every time I speak to someone they ask for my details before they can continue with any conversation regarding accounts. They want name, date of birth, favorite football team....etc...etc but when I ask for a surname of the person I am talking to they tell me they don't give it out for security reasons!?

Any thoughts?

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I haven't called HSBC for a while now but when I did they did give me their full name. Sometimes they even spelt the name for me! This must be something new.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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I have had to speak to the bank on 4 occasions in the last week and have not been able to get names of any of them. Also when I have received letters, I always call and ask to speak to the person who signed it but that never happens! Its so bl**dy frustrating. Imangine them calling me and me saying sorry but you will have to speak to my grandmother as I am unavailable!

Sorry for the rant but am well cheesed of with them at present!

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I have the same problem freaky although I have managed once to speak to a senior manager who signed a lerrer. I just kept refusing to speak to anyone else and said that I thought it was extremely rude and poor service that a person can send me a letter but does not have the decency to speak to me themselves :-)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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I tried that one but they just said "you will have to call back at another time to see if (whoever) is available." But you know what its like trying to speak to anyone there, it takes at least 10 mins to get a human voice so I tend to give in just to resolve the matter asap.

I can't wait for my claim to be competed as I am closing all accounts with them and going to deal in cash only from now on and kep it all under the matress!:D

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Try this number 08456 076779. It is a direct number to a person instead of automated thing. Unfortunately it is not available at the weekend.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Hi all. I am starting a claim for my mother in law. This is the 3rd claim I have been involved in but have not used this site from the start before.

I have worked out all the charges and transfered all the details to the spreadsheet.

Can someone confirm the next step. The way I see it is I send the prelim letter together with schedule of charges including 8% interest.

Is this right?:confused:

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