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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
      • 160 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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LittleHobo-V-RBS


LittleHobo
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Hey... from the advice of Welshman i have started my own thread.... I will be sending off the first letter to RBS Saturday (as well as Barclays). I was going to do it tomorrow but as it is Friday 13th (!!) didnt want to jinx me in anyway!?

 

Will keep you updated and if you can offer any advice that woudl be great.

 

I am going away to Australia in February so am hoping to have some sort of closure before then!?

 

Anyway, that is me, i will keep you posted.

 

LH

 

ps - when you give 40 days is it 40 full days inc weekends?

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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Just an update, first letter being sent off tomorrow :-). Will keep you all updated with news of what i have been charged!

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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its 40 calender days!! good luck and keep us posted 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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  • 3 weeks later...

Hello

 

Well i recieved my statements today and have worked out that after charges refunded i am owed £1543.40 (do i round that up or down!?;)).

 

A few questions i am hoping you can help? Where do i send my Prelim Approach for Payment letter - and can i do all this by email or is post better? If by email does anyone have an address they can give me?

 

I have searched through the RBS contact details but the email addy's refer to LBA's etc...

 

Many thanks! LH :)

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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Hiya,

 

I sent by post to my branch address, not sure if it can be done by email!

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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re the charges list - can i ask... do you add ALL the charges even if they have been refunded? As it stands at the moment i have only added the charges that did not get refunded and where it says for eg: 3rd Nov CHG £35.00 and 3rd Nov REF CHG £35, i just havent included this charge on my list.... is this right? does this even make sense??

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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you're right....you cant get the money back twice (although that would be lovely)

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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thanks, thats great, means i have done it right :D

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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  • 2 weeks later...

ok, well i have received a letter and it is not acknowledging the charges at all!? I have stupidly forgotton the letter this morning as am now at work, but when along the lines of them not having to pay up as only credit card charged are being investigated by the consumer act or something along those lines and therefore they have not breeched our agreements etc etc...

 

not mention of the bankruptcy... just a jargoned off letter to fob me off.... what do i do now? 14 days are up from sending the prelim this Friday, do i still go ahead with the LBA even tho they have acknowledged me and not accepted responsability??

 

Has anyone had a letter of this nature before?? All these questions, sorry, :confused:

 

Thanks, LH

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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Yes carry on as per procedure.

Send the lba.

They have more than one letter of acknowledgement and yours is one of those.

Of course they will not acknowledge the charges were unlawful they never will !!!

Stick to your course and go for the result.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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OK, thank you Martin, shall i just send the LBA today or wait until Friday when the 14 days are up?

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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Hello

 

i am just about to send my LBA off today but the template letter refers to me not receiving a reply from them. I have received a reply but they said that they are not responsible for anything.

 

Shall i just put as the beginning paragraph:

 

"I am very disappointed with the response that i received on the 14th November 2006.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations."

 

I know it is a few words that i have just changed but i just want to ensure it flows correctly?:confused:

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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I had the same problem, I changed my LBA here if this helps. Yours is fine though.....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thank you... yours sounds better! Have you had a response from them yet to the LBA?

----------------------------------------------------------------------------------------------------

Barclays - S.A.R - (Subject Access Request) sent 18th October

 

 

RBS - £1543.40

S.A.R - (Subject Access Request) sent 18th October

Statements received 2nd November

Prelim sent 3rd November

LBA sent 21st November

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Both RBS accounts of mine have been settled. The rest of post tells you what happened......

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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