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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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New,confused... LLoydstsb


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:confused: Am seriously in debt.. and am currently being charged £350.00 a month in bank charges courtesy of Lloyds.

I completed a schedule of charges before Xmas, but have yet to send it to the bank. Do i send to local branch or head office??

Also, i have gone round in circles on the site regarding the interest charges. Initially i filled out the spreadsheet with the 8% column completed, but have now read that you don't claim this initially.... HELP!!!

So far i have totalled @£2000.00..... mainly unpaid direct debit fees...i dont really understand the Overdraft Excess Fee which i have entered on the spreadsheet.

Can anyone give me an idiot proof explaination on how to complete this schedule of charges please???

Many thanks.

Jan

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Hi and welcome,

 

I don't know much about LLoyds terminology in their charging regime - but I am sure someone who does wil lbe along soon to clarify them for you.

 

You cannot claim the 8% until you issue claim, you can however claim back interest on overdrafts - the proprtion of the interest that relates to charges.

 

I would suggest that you open an account elsewhere to have your salary etc paid in and transfer all your outgoings to this. Don't worry about the overdraft this then just becomes another debt - make an offer that you can afford to pay this off, unti lyour claim is completed. AFAIK Lloyds pay into accounts that are open - is your overdraft more or less than you are reclaiming.

 

Good Luck

Consumer Health Forums - where you can discuss any health or relationship matters.

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Please do start a thread in the Lloyds forum aand continue there.

 

You will find the CAB vey helpful when it comers to delaing with your legtimate debt and making arrangements with your creditors.

However, as far a getting money back from unlawful chargers - such as the banks, the CAB won't be very helpful at all.

They are well-intentioned but they don't have the faith. Some of the more awakened ones will refer you to this site - but most won't. However, you've found us already so you are well on your way to getting your money back.

 

Set your deadlines. Stick to them. Make sure that you understand th ewhole process before you begin.

Lloyds will try to tell you that they are charging a fee for a service. Actually they are merely disguisig their penalties.

They know it, we know it and if they would simply come to court just once, the judge would know it too.

Don't take any nonsense from your bank.

I don't need to wish you good luck. You won't need any.

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