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    • Rather like farage .. Reform UK plans ‘don’t add up’ and costings are out ‘by tens of billions of pounds per year’, says IFS – UK general election live | General election 2024 | The Guardian WWW.THEGUARDIAN.COM As Nigel Farage launches party’s manifesto, Institute for Fiscal Studies says ‘the package as a whole is problematic’  
    • The finance company has a 50% stake (legal Owner) in the deal so I would certainly involve them. As for the outstanding £3635 bill thats owing to Mercedes in Croydon I wouldn't be in a rush to settle that just yet and keep it in abeyance as leverage.  Where are you at with Doves in Horsham ?
    • or go really bold ... Further to my request for a copy of the agreement you refer to on ( date) I made a section 78 request pursuant to the Credit Consumer Act 1974 to which you have yet to reply or respond. Pursuant to the Credit Consumer act 1974 section 78 (6) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement.
    • Pers I'd stop paying the lot and get each defaulted by a dn issuance.  Defaults can't hurt future renting no Only ccj's Can't keep saying the same answers.    Dx        
    • Ok thank you. That’s where we are getting confused, as we’re not sure where we stand legally. But we’re still unsure who we should be going to now, the dealer or the finance company? I’m assuming the evidence we have (the reports from Mercedes) showing that the fault was there when we purchased would be sufficient to prove this? To be honest we would prefer to send the car back completely as are now concerned more problems may arise.
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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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Halifax charges - update


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Wow - look at this:
Have they suddenly got a conscience?
I believe that in the circumstances and the inconvenience you have suffered
Great result...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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WOW - very satisfying!;)

Halifax -

LBA sent 12/05/06 for £1,232

 

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Just ring and say, "I am questioning the credit to my account on May 2nd 2006. Is it correct?" If they say yes, get their name and spend it!!!!

This happened to me 2 years ago with British Gas. I had some problems after they sent me an electricity bill for £1,600.00 & as I live in a 1 bedroom bungalow I knew this could not be correct. I had paid DD constantly since moving into the house 4 years prior to the large bill. Anyway, after I got it all sorted out, they sent me a cheque for £444.00. I rang & told them they didn't owe me this money, but the advisor insisted they did & I should spend it. I gave it a couple of days & called back & got the same reply. I knew they didn't owe me it so I held onto the cheque for a month, thinking they'd ask for it back & when they didn't I rang again & was told it was mine, so I cashed it. 18 months later they asked for it back & threatened me with court action so I'm now paying it back at £50.00 a month, which I really can't afford, but that was the least they'd accept.

All I'm saying is just beware if you don't think the money's yours, cos they may say it is then ask for it back.

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great news gives us hope

 

well done am very pleased for you

 

 

xx:D

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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  • 2 weeks later...
This happened to me 2 years ago with British Gas. I had some problems after they sent me an electricity bill for £1,600.00 & as I live in a 1 bedroom bungalow I knew this could not be correct. I had paid DD constantly since moving into the house 4 years prior to the large bill. Anyway, after I got it all sorted out, they sent me a cheque for £444.00. I rang & told them they didn't owe me this money, but the advisor insisted they did & I should spend it. I gave it a couple of days & called back & got the same reply. I knew they didn't owe me it so I held onto the cheque for a month, thinking they'd ask for it back & when they didn't I rang again & was told it was mine, so I cashed it. 18 months later they asked for it back & threatened me with court action so I'm now paying it back at £50.00 a month, which I really can't afford, but that was the least they'd accept.

All I'm saying is just beware if you don't think the money's yours, cos they may say it is then ask for it back.

Well they sent it in writing, so that's that as far as I'm concerned!!

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

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  • 6 months later...

Ok...

 

Got a letter this morning advising me that a payment for £6 was not made as this would have put my account into unauthorised overdraft and they have told me they will take £39 from my account on Thursday (nice for Christmas). I phoned customer services and they have said they won't refund and if I take to court they will close my account. I told them I would write to the OFT and tell them about any bank account closure, but they still won't budge...

 

what to do...I know I'll get the money back, but...lose my account for the sake of £39?

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Right...

 

I've made my decision on principle - I will pursue this via the courts if it comes to that...I think they are banking on me thinking it's not worth losing my account over £39 - but I will do it, and anything else I can, to challenge their decision to close my account...

 

starting new thread for second claim

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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