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    • Calm Down please.... there is only one way to deal with this and that is - PROPERLY. Being surrounded by 'lawyers' who deal with 'disputes', just like going to the likes of CAB, in this instance has, most probably, to date,  sadly not helping you here. Such people always project an Aura of confidence, when the truth is they don't actually have the vast successful experience of the members here in dealing with the likes BMW. there are over 350 threads here . as far i gather this is the situation, In April, a car was purchased by your son from BMW. Finance taken out to purchase it has since been paid in full, as well as full payment for an annual Insurance policy. within 6 weeks, it was discovered and confirmed in writing, via a report from a local garage, that the car indeed had numerous performance modifications undertaken. Namely being remapped and with modifications to the exhaust system. having contacted his ins co, they require a further £5k to uprate his policy, without it renders the existing insurance policy invalid, thus the car is not being driven.  again within this 6 weeks, you wrote to BMW rejecting the car (we need to see this letter please. scan it up to PDF, please read our UPLOAD guide). at first BMW were onboard, even sending their own inspector, confirming the mods etc. but in the last 9 days since said inspection, comms have now gone dead. .................. you have 2 options - 1 - allow BMW to sort the car FOC and without hassle to him, but probably within their own snails pace timeframe. 2- EVENTUALLY bring legal action - this would most probably be under contract law, not a claim under the consumer rights act . (as financially you would lose out big time) to do 2. which is not easy and rather complex to calculate the financial sum involved...... we need all the info @BankFodder has requested. of many, but one good reason for this is say for this new mot, show the old one was suspect, good bargaining chip against 2500mls usage deductions... your call but you need to do this properly or not at all...............    
    • Hi, I've been reading through many of the stories in the sub-forum and I understand the process to be to send a Letter of Claim to the EVRi - in the post and to their customer support email and to sign up for MCOL.  I have looked at the various Letters of Claim and the MCOL claim forms - particulars of claim and I have gone through all of the screens on MCOL website to put in the final details so it is ready to go after the 14 days from when I send the Letter of Claim (of course assuming that EVRi dismisses my Letter of Claim to pay me in full!).  I also see the advise is to decline any mediation particularly because I have specified the parcel contents and value to EVRi when shipping it. I have put both the Letter of Claim and the forms from the MCOL particulars of claim into a single PDF for review.  The stories in the sub-forum often indicate people shipping with EVRi but some purchase through or have involved such companies as Parcel2Go and so I wasn't sure about the statement I made in the Letter of Claim if it was totally accurate to say "I am applying my third party rights under the Contracts (Rights of Third Parties) Act 1999"? I just wanted to confirm the correct wording.  In my case the parcel shipment was paid for on the EVRi website and sent at the Tesco EVRi Parcelshop.  On the MCOL claim form I have referenced Section 57 of the Consumer Rights Act 2015 in response to EVRi customer service hiding behind their lack of ability to insure delivery of laptops and their bogus non-compensated and prohibited items as a means to avoid any responsibility for them losing such items. Thank you for taking a look to see if there are any inaccuracies or amendments to the Letter of Claim - when it is looking good I will send via email and post it to EVRi.  Having drafted the particulars of the claim on MCOL, I shall be ready to submit the claim on the MCOL site when the 14 day period has elapsed and proceed from there.   Thanks for everyone's help! Letter of claim and MCOL Particulars of Claim.pdf
    • Wow quite surprised by your response in all honesty as I can’t see where you have requested details of the car. The car is insured and that was budgeted for and paid in full, the increase of £5k is because of the modifications, which no we didn’t budget for as we didn’t plan to buy a modified car, so no that doesn’t form any part of wanting to return the car, perhaps you don’t understand the impact modifications have on insurance premiums? Thanks for your help so far but feel going the legal route probably suits us better.
    • new thread created for the court claims. please complete this twice and i'll make another thread from the 2nd PDL Claimform we need to keep them sep.  
    • Most banks do not have any customer service staff available to support those opening a new current or savings account, according to research for Investec Bank.View the full article
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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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Now I'm ready to act


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I have started this thread for my boyfriend who has enlisted my help in getting his bank charges back.

 

We posted the DPA several weeks back and RBS didn't even aknowledge his letter they just sent a bundle of statement, with a covering "as requested letter". Cusotmer service at it's best NOT.

 

So we (the royal we) are going through and totaling up to insert into the Prem letter.

 

Lets hope their customer service improves.

Me - Nationwide: Total Claimed £740.06 inc court costs

Prem posted 09/06/06, LBA sent 27/06/06 :)

Claim Issued 08/08/06 :mad:

Partial Refund 18/08/06:-)

 

 

 

My Fella - RBS Total Claimed:£671.75

Prem Posted 30/06/06, Prem posted to branch 26/07/06 :)

LBA sent 18 Aug - Moneyclaim due 01/09/06

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My bank statements arrived in a torn envelope- I assumed the 'with compliments' slip must have fallen out! Aye right!

Anyone get the feeling that there's a wee man/woman at bank HQ or wherever, getting heartily sick of printing and posting millions of copies of bank statements.:);)

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I too have just received a historical print out of my account...however I just asked the nice man at my branch of RBS if he could arrange it...and he did!! No charge...presumably done out of the goodness of their hearts!! So far the back dated charges amount to over £4,000!!!

 

However, at the moment trying to get back charges for June that sparked all this off, for us. Initially they wanted us to sign a dislaimer to say we would accept this refund as full and final settlement and would not seek to reclaim charges made prior to June!!! What a cheek!!! Told them, would accept as an interim payment, but would be considering whether to re-claim charges made on my account over the last 6 years, as entitled to do so. It is amazing that the banks have been allowed to get away with this for so long.

 

Pity there isn't a bank out there that wants to conduct its business fairly...I am sure there would be a whole lot of people moving their accounts if there was!!

 

Will keep the forum updated as things progress. Good luck to everyone else.

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Hi Guys, I'm back been a bit frantic on the home front - My fella's total comes to £671.75 to say he was shocked was an understatement. Post the Prem letter on Friday 30th and now we wait for a response.

Me - Nationwide: Total Claimed £740.06 inc court costs

Prem posted 09/06/06, LBA sent 27/06/06 :)

Claim Issued 08/08/06 :mad:

Partial Refund 18/08/06:-)

 

 

 

My Fella - RBS Total Claimed:£671.75

Prem Posted 30/06/06, Prem posted to branch 26/07/06 :)

LBA sent 18 Aug - Moneyclaim due 01/09/06

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Today my boyfriend got a response from (get this) "NatWest" re his prem letter about his a/c with "Royal Bank of Scotland". saying "I have not been able to trace an a/c in your name.... not a vaild Natwest sort code" Duh! obviously because it's a RBOS a/c.

 

His Prem letter was addressed to Stuart Higley, Customer Relations at RBOS, National Westminster Hse, 225 Shenley Road, Borehamwood, WD6 1TE. And the reply from NatWEST is from ... yep Stuart Higley.

 

Can someone enlighten me?? Should I resend the letter to Mr Higley and point out again that it is under RBOS or should I sent it elsewhere.

 

Grateful for any advice!!

Me - Nationwide: Total Claimed £740.06 inc court costs

Prem posted 09/06/06, LBA sent 27/06/06 :)

Claim Issued 08/08/06 :mad:

Partial Refund 18/08/06:-)

 

 

 

My Fella - RBS Total Claimed:£671.75

Prem Posted 30/06/06, Prem posted to branch 26/07/06 :)

LBA sent 18 Aug - Moneyclaim due 01/09/06

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I'd be tempted to send a copy of your original letter, along with his respose to your local branch - oh, and remind them of that ticking clock..!

 

Good luck, keep us posted

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Can someone enlighten me?? Should I resend the letter to Mr Higley and point out again that it is under RBOS or should I sent it elsewhere.

 

Grateful for any advice!!

 

To be honest I would send al correspondence to the branch directly. They will prob send a 'sod off' letter back, then send the LBA, again to the branch. This was my approach and it has now been forwarded to Custome Relations Dept.

 

Hope this helps.

Royal Bank of Scotland

24/05/06 - Requested 6 years of Statements - Received 09/06/06

12/06/06 - Initial letter sent requesting refund - Response received 21/06/06 - 'Sod Off.....'

27/06/06 - LBA Sent - 31/07/06 - Response received 31/07/06 - 'Sod Off....'

01/09/06 - Claim Submitted - 04/09/06 - Claim Issued to RBS.

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  • 2 weeks later...

Thanks for the advice guys, I have sent a coveing letter to the branch and included all the letters received, so now waiting for a reply - form any one. But I think I will send the LBA to the branch too.

 

Cheers

Me - Nationwide: Total Claimed £740.06 inc court costs

Prem posted 09/06/06, LBA sent 27/06/06 :)

Claim Issued 08/08/06 :mad:

Partial Refund 18/08/06:-)

 

 

 

My Fella - RBS Total Claimed:£671.75

Prem Posted 30/06/06, Prem posted to branch 26/07/06 :)

LBA sent 18 Aug - Moneyclaim due 01/09/06

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