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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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Wickerman vs MINT


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After sending the DPA letter on 20/06, have had a response from MINT to say they've received my request which will be processed shortly. Also to confirm that they've applied my £10 payment for this to my account in error. Buffoons.

 

Will keep you posted.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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Received statements this morning, and in the couple of years I've had the card, the fees total £140. But it's £140 of my money, so the prelim letter goes out this afternoon with my love and best wishes.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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  • 3 weeks later...

Well, MINT have politely decided to completely ignore my preliminary request for repayment. No response at all......although their latest statement arrived on time as ever.

 

Have therefore sent off my letter before action this morning.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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  • 3 weeks later...

Today, one day prior to my deadline before I file on Moneyclaim, MINT respond with an offer of £56. This represents the difference between what I'm claiming and the £12 they, mistakenly, feel justified in charging.

 

Now, normally, I would send off a letter accepting it as an interim payment towards the total owed. However, I'm on deadline for filing on MC.

 

So, my question is, should I:

 

a) Contact them to accept as an interim payment, informing them that I've filed a court claim for the rest.

 

b) Simply file a claim for the rest without contacting them, since they've not refunded in full within the deadlines given in my preliminary and LBA?

 

or

 

c) neither of the above as you've a more suitable course of action which I should take (pease advise)...

 

 

Thanks in advance.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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  • 2 weeks later...

Really do need some input here guys.

 

Regarding the last post, I contacted MINT and told them that I accept their cheque as an interim payment towards the final total, but as their deadline is up that I'll be persuing this through the courts. I decided to wait a week to see of they contacted me, which they have, but just saying that they will be in touch within the next two weeks after reviewing the situation.

 

So would you just press on with Moneyclaim? If I did, would I be perceived as being reasonable. having already given them at least 5 weeks to pay up in full? I sense it's just another stall tactic to drag things out a bit longer, but just wanted to see what you think.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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That's good enough for me!! Thanks for the back up.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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Moneyclaim filed.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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  • 3 weeks later...

Back from my hols today, and they've settled in full.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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Great stuff :)

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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  • 2 weeks later...

You assume correctly, they'll try and offer you the difference between the £20 and the £12. Stand firm. All will be fine. If you need any help, let me know.

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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Wouldn't life be mundane if we didn't have the banks to keep us all busy??

 

First Direct - Settled in full 01/07

Capital One - Settled in full 06/10/06

MINT - Settled In Full 30/08/06

HSBC - Settled in Full 15/12/06

Barclays - - Settled in Full 29/11/06

Morgan Stanley - Settled In Full 03/10/06

MBNA - Settled In Full 23/09

American Express - Settled in Full 30/11/06 via bailiffs

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Amex tried the same with me ( £240 owed )...... I refused (accepted offer as partial) and am going for the rest. Cheeky bu**ers

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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