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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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girltuesday v NatWest***WON***


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I sent off the S.A.R - (Subject Access Request) letter with a cheque for £10 at the beginning of August. I've not heard anything from NatWest yet, not even an acknowledgement, and they haven't cashed the cheque.

 

Is this normal?! They're usually dying to get their hands on my money!

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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Guest Niklowe

Did you send the SAR by recorded delivery? If so check on the Royal mail website to see if it was received. If it has been delivered then it might be an idea to send them a reminder that the clock is ticking.

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Same here, did you send it to your branch? I did and then the branch forwarded it on but it was there that it disappeared. The branch manager appologised and ordered me copy statements which he said would be free of charge but he couldn't do anything about the S.A.R - (Subject Access Request) as he had no authority to deal with it but he did say he would chase it up. Well, they did charge for statements so I rang my branch again and they refunded them immediately. My statements arrived within a few days in flimsy brown envelopes that were split open and re-packaged by royal mail! (this is perfectly normal too according to other forum users!):rolleyes:

 

Keep us informed!

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Sent off my SAR letter the same day as you, havent had any reply so phoned my branch to see if they had received it (I knew they had because I had it tracked ) Bloke on the other end said he couldnt tell me if they had received it, but it would have been passed onto Customer Services in Chatham anyway. Will wait and see if anything arrives, compliance date runs out on the 9th Sept.

We both seem to be at the same stage. Ill keep checking your thread to see how you are getting on.

Cap One (me)

Data Protection Act sent 15/08

Prem letter sent 23/09 £800

Partial offer £312

LBA sent 04/10

File at court 27/11

/B/C (me)

Data Protection Act sent 18/08

Account pre may 04 ordered statements

11/09

 

B/C (old mans)

Data Protection Act sent 18/08

missing statement letter 29/08

Prem letter sent 26/9 £500 + £1172.00 Est

 

Nat West (joint)

DPA letter sent 28/07

LBA non-compliance letter 11/09

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Well, I sent the letter to an address I was given when I asked at the branch - some kind of 'special department' apparently... anyone know anything about that?

 

Stupidly, I didn't send it by recorded delivery (well, I say I didn't - the other half didn't remember to get recorded when he offered to go to the Post Office for me!)

 

I'll ring them in a couple of days if I haven't heard anything...

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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  • 3 weeks later...

They have finally cashed the cheque today (thanks, just when I could least afford it!) but tomorrow is 40 days. Does that mean that if I don't receive everything by tomorrow then they've breached the Data Protection Act?

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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Hi

I am a new subsciber and am about to start my " Campaign " against Natwest. I am about to post my SAR to the address on the reverse of my "Bank Statement" via Recorded Delivery, Is this the correct address or would you advise taking to the Branch personally ?

Good luck, I will watch your progress (Particularly as you are already one step ahead of me) !!

Alan jacks0

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Hi Alan,

 

I took mine into the branch, and they told me a special address to post it to - apparently Natwest have had to set up a team to deal with all us troublemakers!

 

Good luck and keep us posted!

 

gt

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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  • 4 weeks later...
They have finally cashed the cheque today (thanks, just when I could least afford it!) but tomorrow is 40 days. Does that mean that if I don't receive everything by tomorrow then they've breached the Data Protection Act?

 

Well, they didn't send anything. So I've sent them a letter telling them I'm reporting them to the Information Commissioner, and that I still want the statements I asked for and also want my £10 back!

 

Awaiting a response...

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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  • 2 weeks later...

Right. Finally received the statements, and a very snotty letter saying that manual intervention doesn't exist at NatWest?!

 

They owe our joint account £999, and Mr Tuesday £842.

 

Let battle commence!

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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  • 8 months later...

Long overdue update...

 

Wrote the first letter in November, received the standard 'sod off' letter. Then for some personal reasons didn't manage to take this up again until April this year. Wrote them a response to their letter, a sort of second prelim, asking again for the money. No response. Sent an LBA. No response. Rang them, and were told that "an offer is in the post". Waited two weeks. No offer arrived. Then had to wait until pay day to file moneyclaim, so thought we'd try a different tack in the meantime...

 

As they hadn't responded to any of our letters, not even an acknowledgement, so we wrote to them pointing out that they'd broken their own complaints procedure, that it had been over eight weeks since our letter in April, and that therefore we were going to the Ombudsman about their failure to respond to our complaint. Told them they had 14 days to reply with an offer of the full amount or we'd go to the Ombudsman about the complaint/customer service issue and also file a court claim.

 

THREE days after receipt of our letter they sent one offering the full amount as a 'gesture of goodwill' - received it just now!

 

We win!!:-D :-D :-D :-D :-D

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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