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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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NatWest Claim***WON***


dlewis
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Hi all,

 

Just some advice needed really.

I have already worked out how much NatWest have charged me since may and it's just over £1000, this is all I want to claim back off them.

I have already had a letter from them in reply to a phone call saying basically that their charges are fair and I entered a contract etc.

Until I saw my student finance advisor I didn't know that you could claim charges by sending letters to the bank, I just thought that their letter was final.

I have now typed up and printed a first letter from the templates on the site but I was wondering if that is right,as because I have already had a sod off letter do I just go ahead and threaten them with court or send them the letter I have done and wait for another reply?

 

Any advice would be much appreciated.

 

Thanks

 

Dani

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  • 2 weeks later...

Okay so I have just had a letter from Natwest saying that they are sorry to hear that I am unhappy about the charges, but they feel their charges are fair etc and I entered into a contract with them etc etc.

It also says that they are sorry to hear that I am considering legal action and if I do decide to take action then can I please send all correspondence to their registered address.

 

I don't know what to do now is there a second letter that I can send them or do I start legal action? :confused:

 

Any advice would be much appreciated.

 

Thanks

 

Dani

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seems like you and me are at the same stage here dlewis

http://www.consumeractiongroup.co.uk/forum/natwest-bank/44301-mrx-natwest.html

good luck and gods speed to ya man

CLAIMING £2,176.92 IN CHARGES (+£613.84 interest to date)

DATA LETTER SENT 18/10/2006

DATA REPLY 27/10/2006

PRELIMINARY LETTER OF REPAYMENT SENT 29/10/2006

NatWest REFUSAL LETTER RECEIVED 7/11/2006

LETTER BEFORE ACTION SENT 7/11/06

STARTED LITIGATION 22/11/06

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  • 4 months later...

Ok guys and gals here we go again.

I have sent Natwest 2 letters both the step 1 and step 2. I have now had a letter in reply to the step 2 which basically says, thanks for your request for details of charges applied to your account we will send you copies of statements free of charge.

They will only consider unpaid fees, paid referral fees, card misuse fees and unarranged borrowing fees. And any payment would be made as a gesture of goodwill. Then there is a Borehamwood address to send my claim to.

 

Is this good or bad as I have never claimed before and am totally petrified!! Help!! :confused:

 

Dani :)

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No I didn't send a schedule of charges only a letter saying the amount of the charges in total and the date from when I was claiming. Maybe they are giving me the opportunity to put a proper claim in??

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  • 1 month later...

Okay peeps, so I have had my statements from Natwest and have written out my charges.

Is there anything else that I need to put in the letter??

Like a deadline for refund/reply???

Help!!!:?

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A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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  • 3 weeks later...

does anyone know if i am meant to send the statements that natwest have sent me back to them highlighted or do i just send a list of dates and charges?? i've sent one letter with a list already but still have the statements!!

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Do not send the statements, you will need these later, for your court bundle.

 

Far better is to enter your charges in a spraedsheet. Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

See here for a visual guide:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

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  • 3 weeks later...

Well i've just had another letter from natwest which says that they have received my list of charges and that they are looking into my case. Should I write back with a deadline for them to settle by or just leave it until they reply??

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Hi

 

If this was the LBA second letter, you should give them 14 days to pay up, if not you can then file a claim at Court. Its up to you if you want to extend your deadline. Their deadline will be 8 weeks from their point of view....from the date they received your preliminary letter.

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Hi dlewis, am I right in thinking that natwest have had both prelim and LBA? Your claim seems to have been going on for an awfully long time and they appear to be giving you a bit of a merry dance!

 

To be honest, given the amount of time you've already given them, along with the fact that you've followed the steps (prelim, LBA and schedule of charges) I'd be inclined to say file at court. Has to be your choice though. Personally, I reckon they've messed you about enough though mate!

 

Good luck, hedgey xxx :p

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  • 3 weeks later...

Ok a little more advice needed! I have been waiting patiently since getting a letter from Natwest saying that they are looking into my case etc, but how long should I leave it before I start to put pressure on them again, it's been about 2/3 weeks since that letter came and I haven't heard anything else...

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You may have to strech your patience a lot longer. They are allowed upto 8 weeks to investigate your complaint and give you an answer. Sorry , good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Ok a little advice needed again!! I got a letter from Natwest 2/3 weeks ago saying that they are looking into my case etc, but I've been waiting patiently for some news from them and still haven't heard anything. Should I keep waiting patiently or should I write back and give them a deadline to settle or just keep waiting??:confused:

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  • 3 weeks later...
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