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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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tiggersmum v RBOS


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Feb 9. Sent SAR for 5 years statements on 4 RBOS accounts (now closed)

Feb 21. Statements arrived for only one of these accounts..total

charges £902

March 28 Wrote asking for rest of statements (never arrived)

April 5 Sent template letter asking for refund of charges

April 16 Sent "non compliance with SAR" requesting missing statements

April 12 Had letter from Sandy Watt acknowledging recent of letter requesting refund of charges and "we are currently considering your claim and will respond to you as soon as possible"

 

 

Hope I've got all this right. Some of my timescales (sending further request for statements more than 40 days) are a bit behind as I have been in hospital.

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Well, its amazing how a little threat works! Have now received 2 more sets of bank statements and just one more to come before I report the RBOS for failing to comply with my SAR request.

And, from my own personal account, have added up another £434 in charges to add to the £902 on the joint account.

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  • 2 weeks later...

No reply to my Prelim letter yet so they are past their 14 days and a few more.

Today I will be sending my LBA.

Is it necessary to calculate the overdfaft interest at this stage? I know the template letter says that the amount calculated is charges plus interest but I was going to cross that out.

To be honest, I've never used a spreadsheet before and I'm scared I mess it up.

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Yes, you should calculate the overdraft interest at this point.

(Actually, shouldn't it have been included with your prelim? anybody?)

 

Be careful that the interest you claim is DIRECTLY ATTRIBUTABLE to penalty charges, though, and not just normal borrowing......it's a minefield. (And why I didn't bother claiming it.)

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Thanks Hydrauk.

If I don't bother calculating the interest at all, will it make any difference to my claim (apart from me getting less back...lol)?

Don't really feel like picking my way through minefields at the moment.

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Having looked at my own overdraft interest only, in my case it was such an insignificant figure it really wasn't worth the effort. Amounting to a couple of hundred, possibly, stemming from over £8.5k in charges.

 

That's not to say your situation is the same, but I would imagine that the overdraft interest element would be quite small in your case. However, it is your money and you are free to persue it, if tis worth the effort.

 

Regards

 

Phil

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  • 2 weeks later...

The 14 days for RBOS are nearly up for RBOS to respond to my LBA.

Funny thing is, yesterday we received another set of statements, all duplicates of the ones received before in mid April following my letter of non compliance.

I think the RBOS are losing it.

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OK. So now I know they're losing it.

3 letters arrived today from Joyce Tudor in response to my S.A.R - (Subject Access Request) apologising for the delay (2 duplicate sets already received) and saying they will be here as soon as possible.

 

Nothing in response to my LBA so I am going to email Ms Sandy Watt to ask whats happening.

Could anyone tell me what information they gave her to be able to trace the claims? All our accounts with RBOS were closed last year so I'm not worried about security!!

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If they havent responded to your LBA which should state within it, something like 'You have 14 days to respond or else I shall resort to the Court system with no further communications', then file your claim.

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I decided to email Sandy Watt and received a reply to say that an offer had been sent out on April 12 and could I confirm that it had not been received.

I emailed back to confirm that we had not received the reply but (and this was probably a booboo) said that we had received duplicate statements and 3 letters from Joyce Tudor to say more statements were on their way....even though they have already arrived.

 

This email then arrived:

 

Looks like you are being dealt with by both this Unit (CRU), and also by our

Regulatory Risk Dept, where Joyce works.

 

I can send you a 'duplicate' copy of our offer, but if you are still

awaiting historic statements, are you likely to make a further claim, based

on these?

We would rather deal with your claim, based on one overall figure, rather

than, several covering different periods.

 

Regards

 

Sandy Watt

 

I will be making a claim on my own bank account which total about £400.

The 2 claims total just under £1500 (we live in Scotland so just fit into Summary Clause I believe)

Also, one claim is for a joint account and the other is for me so should they be treated seperately anyway?

 

Can we just ask for this claim to be settled first? The claims do not cover different periods, the claims cover the same period of time but on different accounts.

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