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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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We need your help folks! Re old T&Cs


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Just found some T&C's for Lloyds TSB. I changed my account recently from a premier account to a basic account, where they sent me a letter with some relevant T&C's.

 

Also on the letter is a section on the Lloyds TSb website on overdraft charges. Lloyds TSB - Rates and Charges this may help.

 

THEY WOULD BE NEW ONES, WHICH ARE REFERRING TO FEES AS SERVICE CHARGES. WE REALLY NEED TO GET COPIES OF OLDER ONES FROM WHEN THEY SPECIFICALLY REFER TO UNAUTHORISED BORROWING AND CHARGES FOR BEING OD.

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Hey crusher,

 

Could we have an update as to what actual T&C's have been provided?

 

Also is there gonna be a section where they can be downloaded if needed by claimants.

 

This would be really useful for members.

 

Share and share alike and all that.

 

P.S still after T&C's for Barclays current account 1993 and HSBC current account 2001.

 

Tanz

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Okay,

I'm thinking that I may apply to revise my POC's.

This is in light of the fact that the Bank, despite several requests have still as yet failed to produce a copy of the original contract.

However, I do actually have several signed agreements that relate to various overdraft facilities agreed on several occasions throughout the period (and I do believe they fit all the criteria required to be considered as contracts, ie; an exchange of agreements in consideration for others by the other party, signed dated and exchanged).

I am thinking that I may ask that the court allows me to amend my POC's to incorporate an amendment to paragraph 2 (which related to my contract in just a singular sense) to also encompass and be widened to include these subsequent contracts.

These agreements do very explicitly state a set overdraft limit that MUST (their words) not be exceeded.

Thus by exceeding or attempting to exceed these limits set, I have clearly broken the terms of the contract.

They do go on to say that charges as published etc are applicable to the account, HOWEVER...

They also state that this limit is INCLUDING any charges, interests and costs.

 

Firstly, any views on this? Sounds like a good plan.

 

Secondly, how do I go about filing such an amendment? N244 form see here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

 

Thirdly, any suggestions for the wording? I would keep it simple and to the point.

 

Regards

 

PM

 

...

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Hello there, a newbe here. don't know if you've got this already but in our letter from the woolwich/barclays they said we could get terms and conditions on the following site haven't tried it tho; www.woolwich.co.uk/barclays.co.uk

hope it helps and will have a look in paperwork for any others ( I'm a bit of a horder apparently?!)

 

 

Hi Druids,

 

If you have any could you let me know, I am after some from 1993, Barclays Current Account.

 

The link you provided will just be new ones, the problem is that the banks are changing the T&C's to cloak or veil charges stating they are for a service which means they are allowed to make a profit, ratherr than a penalty which should only cover their losses.

 

Tanz

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Crusher, still not heard/seen anythin about the list or area. I have sent alan all the info I have been collecting and when it comes to emailing to ask when the area is to be set up or if i cna have a list he has not replied.

 

A tad rude I think, pass on my concerns please. A simple list shouldn't take too long to compile he can pm me it or send it via my email tanzarelli@lycos.co.uk

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  • 2 weeks later...
What do we need to highlight in the T&C's to bring to the attention of the judge?

 

Things like you must keep your account in credit blah blah blah or else we will charge you silly money.

 

Wording and terms that are showing that they have recently changed the wording to show that they are cloaking or vieling the charges in an attempt to make out they are providing you with a service which you don't want and is not useful.

 

Terms that show liquidated damages etc.

 

Tanz

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