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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
      • 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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Suzy H v RBoS


Suzy H
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Hi - just moving over from the DCA posting as have now got round to posting off my SAR yesterday by recorded delivery to :-

 

Royal Bank of Scotland

Senior Customer Relations Manager

Freepost

PO box 1727

Edinburgh

EH12 9JN

This account is being handled by Wescot DCA but 'do not acknowledge any debt to their company' so will (as always) keep you updated on developments.

Thank you :-)

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Received a nice letter today (dated 26 October) from 'Mrs M Carpenter' (same person who wrote to me re my Tesco account) confirming 'safe receipt of [my] postal order and that copy statements will be sent to [me] within the 40-day timescale'

 

Marvelous :wink:

Thank you :-)

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Good luck Suzy and keep us all informed.

 

Stacy xx

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Recieved my statements today so out with the highlighter it is 29_1_14.gif

 

Just a quick question ... I have noticed 5 x £25 'unpaid convenience cheque fees' oops - can I also claim this back?

 

Cheers

Thank you :-)

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yeah I should think so Suzy!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Added up the late payment fees and the unpaid convenience cheque fees and get a grand total of £305 icon7.gif Will draft my prelim letter tonight and post tomorrow.

 

quick question ...

 

I have, for example,

 

14 JUN LATE PAYMENT FEE 20.00

14 JUN INTEREST - SEE SUMMARY 14.85

14 JUN INTEREST - SEE SUMMARY 28.45

14 JUN INTEREST - SEE SUMMARY 0.26

 

In the 'summary of balances' the interest is purchases, cash & convenience cheques. Don't suppose I can claim any of those interest charges back can I :confused:

Thank you :-)

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  • 4 weeks later...

hi suzy,

 

good luck, hope it all goes well.

 

im still languishing in the prelim letter stage, trying to work out what interest to go for.....i think im stalling myself instead of just going for it..:)

 

The RBoS statements are really hard to decipher....is that deliberate??:lol:

**ROYAL BANK OF SCOTLAND

2/11/2006 - Sent S.A.R - (Subject Access Request)

16/11 - Statements Received (envelope slightly torn, no cover letter)

18/11 - Acknowledgement of S.A.R received

12/12 - Prelim Letter Sent Recorded Delivery To Local Branch

30/12 - Offer received for all charges minus interest

13/01/07 - Letter of rejection sent,along with new prelim (adjusted interest calculated)

29/01 - LBA sent recorded delivery

**NATIONWIDE**

5/11/06 - Sent S.A.R - (Subject Access Request)

13/11 - Acknowledgement of S.A.R received

23/11 - Statements Received (Special Delivery with cover letter, very impressed, good service)

12/12 - Prelim Sent Recorded Delivery To Local Branch

13/01/07 - New Prelim sent (adjusted interest calculations)

29/01 - LBA sent recorded delivery

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Hi TD

 

For sure it's deliberate - I guess anything to put us off claiming :rolleyes:. I'm still just going for the 8% interest to be honest, as claiming the higher rate is still over my wee head :lol: never mind i'm happy with what i'm going for.

 

They received my letter on the 8th but I have not even had an acknowledgement from them, never mind the standard bogoff letter, so i'll keep you posted on the outcome of the LBA.

 

Nothing ventured nothing gained TD - go for it and before you know it you'll be running down to the bank with your cheque.

 

Good luck

Thank you :-)

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  • 2 weeks later...

hey suz,

 

did you MCOL the RBOS?(i love acronyms:))...following this with interest as i'm going to do the same in the next 4 weeks.

 

cheers

**ROYAL BANK OF SCOTLAND

2/11/2006 - Sent S.A.R - (Subject Access Request)

16/11 - Statements Received (envelope slightly torn, no cover letter)

18/11 - Acknowledgement of S.A.R received

12/12 - Prelim Letter Sent Recorded Delivery To Local Branch

30/12 - Offer received for all charges minus interest

13/01/07 - Letter of rejection sent,along with new prelim (adjusted interest calculated)

29/01 - LBA sent recorded delivery

**NATIONWIDE**

5/11/06 - Sent S.A.R - (Subject Access Request)

13/11 - Acknowledgement of S.A.R received

23/11 - Statements Received (Special Delivery with cover letter, very impressed, good service)

12/12 - Prelim Sent Recorded Delivery To Local Branch

13/01/07 - New Prelim sent (adjusted interest calculations)

29/01 - LBA sent recorded delivery

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Hi TD

 

Haven't gone to MCOL yet ...

 

... but meantime I have received another letter -- this time from Gareth Gerreli with the usual standard response.

 

I was going to wait until after Christmas to MCOL so I could give it 100% of my attention.

 

Good luck with your claim and i'll keep you posted :wink:

 

Suzi

Thank you :-)

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  • 2 months later...

Good morning guys

 

Received some great news this morning -- from The Royal Bank of Scotland Group, Group Litigation, 1 Princes Street, London, EC2R 8PB.

 

The letter dated 16 March 2007 has a cheque enclosed for the full value of my claim (£536.30 ).

 

Really chuffed :) and as always ... thank you to everyone for their advice, guidance and support.

 

Suzi

Thank you :-)

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