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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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Petition to ask Gordon Brown to support the Bank Charges Reclaiming Charter!


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  • 2 weeks later...

A £35 pound bank charge is not a charge for a service. Its theft.

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Read the Government's response

 

The setting of bank charges and their application is a commercial decision for each individual bank and the Government cannot comment on the commercial decisions of banks. This is an issue the Government takes seriously, and on which action is already being taken. Getting a fair deal for consumers is a fundamental part of the reforms that the Government is making to the consumer credit regime, through reform of consumer credit legislation and support for financial inclusion and advice.

 

For some time some customers of banks and building societies have been complaining about the charges they have paid for going into unauthorised overdrafts. Some institutions have settled with their customers, without admitting liability, and a large number of further complaints are in the pipeline. However, the law in this area is not clear and the current situation provides neither certainty nor consistency for consumers or current account providers. In these circumstances the Office of Fair Trading (new window) and some firms have decided to initiate a test case in the High Court to resolve legal uncertainties on the level, fairness and lawfulness of these charges. When the legal position on these charges has been clarified, firms will be required to deal with complaints within the normal timetable in a fair and consistent way.

 

Although it would not be appropriate for Government to influence the outcome of an investigation by the OFT, which is an independent body, the Government would like to express the Government's strong support for the principles of fairness and transparency which the OFT is applying.

If you would like more information, you can find answers to frequently asked questions on unauthorised overdraft charges on the Financial Services Authorities' website at http://www.moneymadeclear.fsa.gov.uk (new window)

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It's quite simple, this government is a Labour government which is supposed to protect the working class, if they can't be bothered to defend their own then why should we defend them... next election Labour you had your chance you turned against your own people in favour of the fat cats, you blew it get out :D

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