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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 162 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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my husband hasnt been wll over past few yars he had paid an agremnt with mbna and afew other credit cards but hasnt ben able to keep up agreements now mbna have asked for full payment of £3448.08 by 6th march alot of this was th result of charges which then put him over his limit and i am really in a panic dont know wat to do and dont hav that kind of money any help would be really apprciated thank u:sad::|

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HI and welcome to CAG

 

I know this will sound trite but please try to stop worrying. What can MBNA do to you-take your first born. ERM NO! :roll:

 

As this is a credit card (I assume) it is classed as a non-priority debt and as such should be placed a long way down the food chain. Your priorty debts are far more important (Mortgage/rent, utility bills, food etc.)

In this link:

http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

are some letters to help negotiate with your creditors. Also, look in my signature below for some great help on dealing with debt.

 

What you should be doing is working out how much you have spare each week/month and then pay your creditors on a pro-rata basis. If that means MBNA getting less then-well-tough. You are being responsible.

 

Before you go reclaiming charges, can you confirm this is a credit card?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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There is no point in worrying over this, it is only money, and most certainly nowhere near a priority, so try and relax, they cannot do anything overnight, all they are doing now is sending out the standard computer generated threats in the hope they will some how intimidate you enough into believing they somehow sit alongside God!

You have much more legal rights than they ever will, it's just that like the majority of the population you aren't aware of them yet..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yes it is credit card

 

Cool :madgrin:

If you are up for a battle, go reclaim them.

 

If you have ALL the statements for this account (or at least since the account got into arrears) then you will have a foothold. Work out the charges, add contractual interest and write a preliminary letter of reclaim.

 

If you haven't all the statements then you need to speculate to accumulate (or in other words-send a SAR to MBNA) In the link I gave you above is a SAR template letter. Send that (amended to your own circumstances) with a £10 postal order. This will get you back most of what you will need to begin the reclaim.

 

In the meantime, I would advise paying what you can. MBNA cannot force you to pay more than you can afford-only a judge can do that and it's a long way from court action.

Your credit file is most likely to be F.U.B.A.R so I wouldn't worry about that.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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On any credit card, HP or loan, any charges incurred can be reclaimed. No good for overdrafts though.

 

It can do no harm to get your data, even if it comes to no immediate use. What the future holds is just as important as the now

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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when they tried to take dd out of bank for a loan he has and wasnt enough money in to cover it and DD sent back he got charge £30 a time which then put him over his limit and incurred more charges is that no good

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I would also be writing to your bank and explaining the situation to them and how likely it is going to go on for, then ask them if they would freeze all charges and interest in order to stop you going any further into debt than you have to. They can only say yes or no.

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  • 3 weeks later...

Katied - as BB says, sort everything according to relevance and in date order - earliest to most recent.

 

Have a look to see which charges have been added to your husband's account - amount and date. You may be able to reclaim some of these.

 

Let us know what has resulted from the SAR and we can take it from there.

 

Don't worry, make sure that you and hubby have a good night's sleep. Things are never as bad as they seem, especially once you find CAG.

 

H. x

 

 

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It might be better to sort it from the oldest first, down to the youngest last, (if that makes any sense?) I know what Halibutt is saying, but purely from the way I like to do things, I like to see the oldest news first all the way to the current up to date news, so as you go through all of the documents you can note, letters sent, dates, charges added, etc.

 

It's up to you...:thumb:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It might be better to sort it from the oldest first, down to the youngest last, (if that makes any sense?) I know what Halibutt is saying, but purely from the way I like to do things, I like to see the oldest news first all the way to the current up to date news, so as you go through all of the documents you can note, letters sent, dates, charges added, etc.

 

It's up to you...:thumb:

 

That's what I was saying BB - earliest to most recent - chronological order ;)

 

 

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  • 1 month later...

dint bother wiith bank charges

but have got sars back from mbna could anyone tell me were to start just so many pages and what charges,can i try to claim back, sorry for being so stupid but realy don't have a clue whaat im doing many thanks any help is much appreciated:?:

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Look through all the statements, and highlight ANY charges the bank has applied to your account, these could be late payment fees, overdraft charges, bounced cheques, not enough funds to clear a payment or direct debit.

 

Add them up, add interest at the BANKS rate, submit your claim...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Add up all of the charges they have added to the CC account, and reclaim them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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