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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
      • 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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Debtmountain Versus Halifax Credit Card ***WON***


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You can use either, but as it is a cc, then if you prefer you can use this one...

 

Halifax Card Services

Pitreavie Business Park

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Fife

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  • 3 weeks later...

Can someone change the title of this thread to 'Debtmountain Versus Halifax Credit Card' please. I am started to confuse myself. I think I will be doing another bank account claim for myself soon as well for an old account! I will have plenty on the go, but it's all worthwhile.

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Can someone change the title of this thread to 'Debtmountain Versus Halifax Credit Card' please.

Done :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 3 weeks later...

They settled in full. I am still very unhappy that I couldn't get back the interest. Is there absolutely no way I can do this if they agree to pay up in full before court? Can someone change this thread to 'Won' please. Thanks for the help. More victories to follow I hope.

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Congratulations.gif

 

 

Well done on winning your money back!! :D

 

As you didnt file at court, you ant claim the 8% interest, as this can only be added by the court.

I will see to it your title is changed. ;)

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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CONGRATULATIONS !!!

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Help keep it up and active, helping people like you.

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cani just ask, how did they settle before court. mine going to court and cant do anything about it at minute with this open case - could take years

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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You are asking me to psychoanalyse Halifax Bank Of Scotland? Hmm. I'm definitely not qualified. Joking aside I have no idea. I declined their initial offer and sent off my prelim letter. They eventually wrote back and said they would settle in full. Maybe they knew that I had sent off a C.A.A. request and they hadn't satisfied it. I did actually have an active balance on this card. Maybe they are more likely to knock charges off active balances than pay back hard cash. I'd also imagine they are more likely to pay up on cards because they are not subject to the bank account charges moratorium. Just a few ideas. Good luck to you.

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thank you

i might just go ahead with cards now then and hold on bank charges. are poeple paying out on loans, mortgages still or are they classed as bank aswell?

thanks again

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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thank you

i might just go ahead with cards now then and hold on bank charges. are poeple paying out on loans, mortgages still or are they classed as bank aswell?

thanks again

 

 

hi wilkinson

you can still claim for loans and mortgages as these are not

bank charges

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