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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
      • 160 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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citi A word of encouragement for citi claimants


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I mean, my claim is v. small - a couple of hundred quid (not saying as no doubt, he'll identify me).

 

Mine is only £375 plus interest and costs. A tiny amount they have more than likely spent more on so far. £65 on the hearing, a morning of an external solicitor plus his to prepare time so far. Add in to that the time they have to spend putting in a defence, plus the work done by Brian already and then I will have a full hearing again at some point where they will need to send a solicitor again. Madness.

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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If it turns out that he files a different set of charges in Kerens case & you believe that the Court have been mislead you should report him to the Law Society for them to consider his conduct

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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This bank must have all it's licences revoked.

 

They consider themselves above the law and to be honest, in my opinion, the various district judges don't seem to be offering much to the impending collapse of their overall argument.

 

 

We must be able to do more to stop this bank.

 

Any thoughts?

 

 

Paul

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Going to be an interesting few weeks.

 

Perjury. In the Kissick case it would probably depend on who presented the evidence to the court, the solicitor or the head of Citi Finance. However if the figures presented were misleading then someones going to be in a whole heap of trouble.

 

And how do we know they are misleading.... best leave that for another time.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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I think it's time to have a good ponder about this-let's try to come up with suggestions,pool our ideas and see if we can arrive at some kind of effective strategy or tactic which will stop this manipulation of the legal system that CITI seem to be pursuing......

 

the knowledge and know-how on this forum will surely come up with something...

 

;)

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If 2 different sets of figures are disclosed and they are presented with a statement of truth signed by the Solicitor then you can apply to the Law Society for action to be taken for misconduct

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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got a letter this morning in which Brian Smith admits in writing to monitoring this website.....wasn't there some action that Bankfodder said could be taken against them for doing this without decalring who they were?

 

Of course,Brian hasn't the swingers to actually register on the site to defend citi-c'mon Brian,show us you have some balls to present your case here and stand it up to scrutiny!!

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Perhaps he should start dusting off his professional indemnity insurance then!

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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got a letter this morning in which Brian Smith admits in writing to monitoring this website.....wasn't there some action that Bankfodder said could be taken against them for doing this without decalring who they were?

 

Of course,Brian hasn't the swingers to actually register on the site to defend citi-c'mon Brian,show us you have some balls to present your case here and stand it up to scrutiny!!

 

Just a letter saying that?

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

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I for one will writing to my MP, that is all i can think of doing as the goverment are the only ones who can stop these people from abusing the court process and treating ordinary people with contempt and arrogance.

Without us there would be no Citibank, maybe they need a reminder of this.

Regards

adamski

 

 

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I for one feel that my privacy is being invaded by these corporate bullies, as BankFodder has said

CitiCards is monitoring this site.

This is nothing new - so are all the other banks.

 

Some of the banks have been complaining that information about their litigation is being posted on this forum. This is because they don't like it and it is one of the features of this forum which empowers the claimants.

 

It is scarcely possible to imagine a situation when it will be to your disadvantage not to post here.

 

 

Post your Citicards story.

Don't hold back

 

Everyone benefits from the truth and openess of this site. The sharing of information is the worst thing which can happen for the banks and for Citicards.

Regards

adamski

 

 

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Just a letter saying that?

 

no-but I had a little groundwork to do before I elaborated

 

groundwork duly done!!

 

In the letter Brian Smith claims to have rung the court office to investigate my "purported appeal" as mentioned on this site,only to be told that the court have no record of it.

 

Strange on 2 counts-the court do indeed have the appeal-as confirmed to be by telephone this morning,and citi apparently have deluged the court today with paperwork defending this appeal which they claim does not exist.

 

Pump up the valium Brian-as I know you will be reading this,I'll save myself a quid on the recorded delivery letter and confirm that the appeal does in fact exist,and is not,quote "purported"..........

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Citi cards are on my hitlist, so beware Citi i'm comign for you.

I wont be put off by soem of the spiel you put out, i wont be hounded and harrassed anymore by you.

My accoutn was sold on paid off in full and final settlement ages ago, now it is my turn to do unto others as they unto you.

Bring it on i am indeed ready and waiting......

I love the smell of banks coughing up refunds first thing in the morning.

 

HSBC, they tried they failed, they coughed up in full

To all the others beware i am heading your way next.

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aaah, he's trying the same line with you as with me.

 

He said he was monitoring the site in his application for the set aside to the court and that was the only reason that he knew about my claim.......funnily enough though in court, the solicitor who attended admitted that they 'had to have received the claim' when pressed by the judge....and of course, if they didn't know about my claim, how could they know how much I was claiming and then try to say I was claiming the wrong amount!! :rolleyes:

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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I guess the issue is what exactly we want to get out of this, and hwo far we want to go.

If the complaint is about about the manner in which they do thier stuff (i hate to call it business) then perhpas we coudl do a mass complaint to the OFT and FOS.

Whilst niether organisation may wish or have the resources to tackle the issue on an individual basis surely they could if presented with a very detailed group of complaints presented as a super complaint then have the grounds to act.

Citi are clearly out to frustrate and delay all claims as far as possible. They need to be shown the power of the consumer, they need to be slapped around and bullied by our legal system and shown they are not invicnible or above the law.

The sooner the better in my humble opinion.

I love the smell of banks coughing up refunds first thing in the morning.

 

HSBC, they tried they failed, they coughed up in full

To all the others beware i am heading your way next.

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forgot to mention-the court office just rang me to tell me that the judge at the original hearing had written to CITI after I pointed out in a letter to her what they had done with mu information-ie distributing it to other litigants.

 

They have replied to her letter and I have asked for a copy of this.Should be interesting if nothing else.

 

Just waiting for the Information Commissioner to get back to me on that as well!!

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that will be very interesting to hear.....

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Looks like three f's smif has a lot on his plate.

Wait til he starts dealing with me.

i have a little surpise for him when he sends me his first smart assed letter.

Until you know who you are dealing with tread very carefully, lots of cow pats awaiting.

Oh i am going to enjoy this.

I love the smell of banks coughing up refunds first thing in the morning.

 

HSBC, they tried they failed, they coughed up in full

To all the others beware i am heading your way next.

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Please keep us posted LTWFB & Jobloggs. It will give me great pleasure to give them a proverbial kicking. they are all to ready to give it out themselves making life a misery for the princely sum of £200

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Looks like three f's smif has a lot on his plate.

Wait til he starts dealing with me.

i have a little surpise for him when he sends me his first smart assed letter.

Until you know who you are dealing with tread very carefully, lots of cow pats awaiting.

Oh i am going to enjoy this.

 

Just please be careful you don't take any risks that could jeopardise the standing of either your claim, other people's claims, or the respected status of this website...

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