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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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Moneyhelp Vs Halifax Visa**WON**


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No...

 

send everything to

Halifax Plc

Trinity Road

Halifax

HX1 2RG

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Dont worry if you have already sent it, it will still get there, but in future use trinity road.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

Called 08456047000 press #4 got through right away. Said they would send my statements within next 5 days. She said as they had cashed my cheque they should have sent statements.

Please be patient as we are very busy with these requests! :-D

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Received a letter (not even in an envelope) this moring about "Changes to your Halifax credit card terms & conditions"

 

... these changes will apply to your account 7th June 2007

 

Some of the changes....

 

We are changing clause 4.1 to state that we will charge £12 each month if, at any time during that month, you go over your credit limit :D

 

we have changed clause 5 to state there will be a 3% handling fee (minimum 3£) for any credit card cheque that you use.

 

Blah blah blah......

 

This is from Angela Taylor, senior manager, customer services.

 

Sounds like they are running scared. Pleased about the £12 charge though :D

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Also received 2 identical letters this morning. One dated 25th May 2007, the other 28th May 2007 both from Trinity road. On HBOS PLC headed paper.

 

Your request for information about your account..

 

we aim to provide you with the information requested as quickly as possible. We are currently experiencing a high number of simular requests and it may take a little to process your request.... blah blah blah...

 

One is from Julie Pollard and one is from Paul Stewart. Both Data subject access request team, customer realations.

 

I'm thinking they have no idea what each person is doing. I bet their office is in a right old muddle :D after making my life a misery with their charges for 2 years, each day and each letter is making me smile. :)

 

Sorry Halifax, but what goes around comes around :D

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They have actually phoned me once they received my letter before action after the 40 days expired and told me that they were too busy and that they were looking into my request and they would send the statements as soon as they could. It took them over 2 months to send my statements.

  • Haha 1

Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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Hi Moneyhelp,

 

 

I rang 01383 743354 to get my visa statements. You should get straight through to a person and there should be no additional costs. I made the call on a Thursday and i'd got my statements by the following tuesday. It must be worth a try...

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  • 2 weeks later...

Any news?

  • Haha 1

Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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I'm after some advice..

 

My S.A.R - (Subject Access Request) request is up in 9days and I want to include this..

 

5. By virtue of the Defendant's failure to comply with the Subject Access Request the Claimant has suffered damage (and distress).

 

6. The damage (and distress) caused is:

 

Extra costs incurred in addition to court costs, due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents and seeking legal advice, I estimate this cost to be £...........

 

Add any further things that can be clearly quantifiable, and to which you can provide proof.

 

Please be aware that claims for distress are only available where the distress is caused by the quantifiable damage. You would usually need professional evidence in support. If you are intending to go down this route it is vital you contact us before proceeding.

Anyone been down this road or know how I go about it?

 

I thought I would do some reasearch now before it get's to the 40 days. I can prove this with a medical document if it is required.

 

Cheers!

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I see you are back on form today..;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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With 8 days to go, the Halifax have finally sent my statements.

 

I will go through them all today and get my prelim in the post today hopfully.

 

Letter is dated 11th June, so am wondering if my email gave them a nudge.

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Glad you finally got them, i think your email worked..:D

 

Got your highlighter at the ready.....:p

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Thanks SSL.;)

 

I am missing 14 months statements, so I will give them a call on 08456047000 as I had a good response on that number before. I will also send a letter requesting the missing statements, and get it in the post today.

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