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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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Cheddar V Natwest **WON**


cheddar
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I only ask as the Natwest only charge £5 for as many statements as you want but the DPA request is £10. Is there a difference? And would it look better if it went to court if you had a DPA request? (Hope I have put this is in the right place as I got told off last time :()

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You use the DPA when they refuse to ggive you the statements or when they try to charge you a lot of money.

If they are givinig you the lot for £5 then that's good.

However, you might like to send them a DPA request asking them to let you have any deatils of any manual intervention which might have taken place in the implementation of any of the charges which were levied against you.

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Oh ta very much, will request the statements and take it from there. I terrified how much there is gonna be, me and my OH are guessing aroung £2k!!! :O

Ex CAG helper ^_^

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  • 2 weeks later...

Natwest have replied very quickly to my DPA with the following:

 

".....I will be happy to arrange for the bank statements you requested to be sent out directly. The fee for this is £5. If you require a full Subject Access Request (SAR) the fee for this is £10 but does not normally include bank statements. Also if you require a full SAR we will need authorisation from Mr xxxxx........."

 

So I have drafted this reply, please can someone have a read and see if it sounds okay?

 

Dear Ms Tudor

 

Re: Data Protection Act 1998 Disclosure Request

 

I write to you with regards to your letter dated 10th March 2006 in response to my Disclosure Request under the Data Protection Act.

 

You explain that you can send out the information for a full Subject Access Request but this does not normally include statements. I have to correct you and explain that this is incorrect.

 

Bank statements do come under the heading of ‘data’ and therefore should be included in a request for data under the Data Protection Act. An example of this can be found in the Information Commissioners Case Summary for Durant Vs Financial Services Authority - 2003 which states that transactional and statement information is covered by the Data Protection Act.

 

Therefore the £10 fee for Subject Access Request under the Data Protection Act will include the statements I requested for the past 6 years including any event in my account history over this period which has required manual intervention by any member of staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you.

 

I would like to remind you that you have a fiduciary duty towards me under which you are obliged to exercise the utmost care in the accuracy of the statements which are made to me and to make a false representation would be a serious breach of your duty. Failure to comply with this request will result in me making an official complaint to the Information Commissioner.

 

I await your response.

 

Yours Sincerely

 

Mrs cheddar

 

 

Hope it is okay! Also sent a letter from the hubby saying tis okay for the info, not heard of anyone else having to do this though.

 

Also it intgregues me when she says "...does not normally include bank statements..." I wonder what the "normally" is about???

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This has been debated a lot on the site and you can probably find the discussions be searching. Essentially it is unclear whether bank statements are covered by the DPA. However, it is very clear that details of charges and manual interventions are covered. If you ask for these details then NWB will be breaking the law if they refuse.

 

Nat West are generally being quite obstructive about responding to DPA requests and you need to ask the right question.

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Hi new to all this, but just called natwest and requested my statements for the last 6 years. i have been charged £5 and they are now in the post. this worked out cheaper than the £10 under the DPA. is there a catch? once i have my statements i can just calculate the total amout of charges myself and then send a letter requesting them back.

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No catch. Sometimes they do this

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so basically if we ask for a list of details of charges and interventions, we can get the statements free?

Preliminary Letter Sent: 14/09/2006

Letter Before action sent: 05/10/2006

Recieved Response: 05/11/2006

MCOL filled and saved (saving money to proceed) 02/12/2006

Recieved 1st Settlement offer

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Hi new to all this, but just called natwest and requested my statements for the last 6 years. i have been charged £5 and they are now in the post. this worked out cheaper than the £10 under the DPA. is there a catch? once i have my statements i can just calculate the total amout of charges myself and then send a letter requesting them back.

 

I was told this at the start but was advised on here to get the full DPA as it shows all places where a manual intervention may have taken place. But now I'm confused, I just want to get on with it! LOL! Might just get the statements and take it from there. Honestly sometimes I read that much info on here it blows my mind and I come up with garbage like my letter above.... :oops:

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Ex CAG helper ^_^

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Okay here goes letter version 2! LOL

 

I write to you with regards to your letter dated 10th March 2006 in response to my Disclosure Request under the Data Protection Act.

 

I will require a Full Subject Access Request and enclose authorisation from Mr J xxxxxfor you to proceed and provide the details requested in my letter dated 9th March 2006.

 

I would also like to remind you that you do have a fiduciary duty towards me under which you are obliged to exercise the utmost care in the accuracy of the complete list of transactions and charges I requested in my previous letter relating to my bank account for the past 6 years.

 

This is to include any event in my account history over this period which has required manual intervention by any member of staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please confirm this in your response to this request.

 

I have enclosed a cheque for £10 for the full SAR and would like to remind you that you have 40 days in which to comply.

 

Yours sincerely

 

I hope this one is okay and that I am asking the right questions this time! :D

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  • 2 weeks later...

Thought I would have a thread I can keep updated so people know where I am up to! :) Sent DPA request only to get reply from Joyce Tudor to say that SAR (their version of DPA) doesn't normally include Bank Statements but could send statements for £5 or SAR for £10.

 

Wrote back to say that they had a duty to send me list of transactions/charges for past 6 years and details of any manual intervention etc. and also enclosed a cheque.

 

A few days later I get 6 years of bank statements from Stuart Higley at Customer Relations (no £5 taken).

 

Am very confused now as they don't seem to be being very consistent at all. Anyway have gone over the statements and seen that I have charges of just over £2100!! :O

 

Do you reckon I should go for preliminary letter asking for this back now or wait until the DPA is recieved??? TIA

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I think that with the NatWest you should wait until you receive the DPA. But hassled them for it. Make sure that there is no misunderstanding in that they don't think that they have satisfied your request merely by giving you the statements.

Don't forget that NatWest are the only people who successfully defended a claim for charges. They persuaded the court to accept that the charges were a service fee.

Now we have documents that shows clearly that bouncing dds etc are a breach and that the charges are levied for this so we are ready for them of they decide to defend another one. We would have to show our evidence to a court. However, get the full DPA to see if there is any other interesting info.

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BF I am in the same situation actually. I have ordered DPA but they sent me regular statements and didn't charge me. Would that do any harm to the claim as I sent the preliminary letter already.

I apologise if this is considered to be hijacking the thread.

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I'm in the same situation - they more or less ignored my DPA request and just sent me statements (from Higley too) for free as they never cashed the £10 cheque that I sent, so I presume that means they will not be on the 40 days countdown yet. Time for a follow up letter me thinks...

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The problem I have is that when I got my statements I though that my £10 cheque would have been taken and the actual DPA to follow etc.... Have seen today that the cheque hasn't been taken and don't have any funds......slightly ironic that the cheque may bounce if cashed before tuesday and make me incur a charge. Grrrrr! Flipping banks!!!! :(

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Btw when I got a letter from Retail Reg Risk saying they could send statements for £5 or full DPA for £10 I sent this letter:

 

Dear Ms Tudor

 

Re: Data Protection Act 1998 SAR for Account xxxxxxx

 

I write to you with regards to your letter dated 10th March 2006 in response to my Disclosure Request under the Data Protection Act.

 

I will require a Full Subject Access Request and enclose authorisation from Mr xxxxxx for you to proceed and provide the details requested in my letter dated 9th March 2006.

 

I would also like to remind you that you do have a fiduciary duty towards me under which you are obliged to exercise the utmost care in the accuracy of the complete list of transactions and charges I requested in my previous letter relating to my bank account for the past 6 years.

 

This is to include any event in my account history over this period which has required manual intervention by any member of staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please confirm this in your response to this request.

 

I have enclosed a cheque for £10 for the full SAR and would like to remind you that you have 40 days in which to comply.

 

Yours sincerely

 

But I still only get the statements.........hmmm. Might give Ms Tudor a ring on monday!

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Yes do. And if they say there was no manual intentervation, insist that they put in writing.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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In reference to statements not being covered by DPA, I contacted the Information Commissioners Office Helpline and they did state that the DPA cannot overrule the banks charges for statements ""in anyway shape or form""

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I already did with the original DPA and with the letter above:

 

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please confirm this in your response to this request.

 

Am going to ring Ms Tudor in a mo, will let you know how I get on!

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Thats fair enough but I still asked for details of all charges and transactions on my account as well as manual intervention as part of the DPA. No mention of Bank Statements. However as you can see in my thread they have decided to send me statements anyway! Crazy people!

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Actually rang for Ms Tudor today but she had gone home and there was no one else there who could help, ring back tomorrow. How very helpful of them...NOT! Will ring 1st thing tomorrow if I get a chance!

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Just realised; do you have the direct line number to Joyce?

 

I will send you it via your p.m. if you like; let me know but cannot get online until around 11 am,

 

Jo

Have you ever known a bank to admit they are in the wrong??

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