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    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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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.

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      Many thanks 
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    • 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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Nationwide - Can they do this?


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I opened an account with Nationwide in 2000 and about 2 years later added my spouse to the account As a result of the bank charges issue I decided to open a parachute account with A & L in my name only. I arranged to have all my DDs transferred across etc but Nationwide blocked this stating that in order to do this they required consent from both parties. My spouse has never raised a DD as it was my signature only on all the DDS. I can understand it if it was a joint DD but none were in our joint name.

The idea was that all DDs woudl be on the A& L account where my salary would be paid in and Nationwide would have the benefit of my wife's weekly wage while we reduced the overdraft.

As a result I had to close the parachute account and I am still stuck with Nationwide. Can Nationwide legally prevent DDs being transferred across to a new account? I suppose i could have cancelled the DDs with Nationwide and raised new ones on the new accountbut I was concerned something would go astray and we may miss a payment or for whatever reason incur more charges which we have been trying to avoid for sevedral months.

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I agree but the new account was in my name only and when I tried to add her on, it was a total nightmare. Looks like I will have to pursue it from a different angle.

Any one agree that it seems like the Nationwide are being abit vondictive because I have raised a claim against them?

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Your wife would only be required to sign to transfer the DD's if you were both required to jointly sign everything on the account, I beleive that they are just being difficult, but vindictiveness would be a hard thing to prove

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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  • 1 year later...

This morning I went to use the Nationwide Bank local to me for the first time and probably the last time. I needed to draw £950 in cash to pay a contractor for work. I was immeditely informed in a loud voice that the maximum I could draw was £500 and £300 from the ATM outside. Every one in the bank foyer which is nto very large coudl hear that I was drawing a large sum of money. Not good for me if there was a criminal element in the queue as they woudl know who to target for easy pickings. Secondly the cow in a loud voice informs me and the rest of the queue that I will be using my overdraft facility. I promptly told her that there should be some privacy regarding conversations and she just gave me that stupid look.

I am still seething and wondering if by discussing my account in front of strangers whether there was a breach of the Data Protection Act or even my Human Rights due to the embarassment I sufferred.

Should I write it off to experience or shoudl I pursue it further. Incidentally she did a similar thing to the gentleman in front of me who I know for a fact drew £500 from his savings account becasue she told all of us.

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You could write to the manager "private and confidential" so that he is the only one that reads your letter with regards to the fact that you felt that the cashier was telling everyone your details and furthermore in a manner which you felt could compromise your personal security.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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  • 7 months later...

In May 2007 when we started our claim the charges were in the region of about £1200 excluding interest. We have recently done a review and have found that this has increased to approximately £2000 or £2700 with interest charges added in.

We approached Nationwide in the first instance for the refund and when they rejected it, it was then submitted to the FOS as we were very short of money at that point.

Should we start again from scratch sending Preliminary to Nationwide followed up by LBA and then submit it to the courts or should we send to the FOS the updated spreadsheet.

Alternatively as we have sent Nationwide the prelim and the LBA for the lower amount of £1200, can we now submit it straight to the courts with the new amount as either way Nationwide are not going to play ball at this point?

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  • 2 weeks later...

At the mo, you are prob best off waiting for todays result as this could mean that people wouldn't have to put a claim in and COULD just be paid back charges owed to them.

 

However, if it goes the other way, then perhaps you can put a revised claim into the court where your claim has been stayed.

 

My first claim was paid up beofre the test case, i incurred further charges whilst waiting for that first claim then put a second claim in to the court which then got stayed while the test case went ahead.

 

Read my thread - if you have time - to see what has happened so far. Warnes vs NW

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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  • 4 weeks later...

Today received a letter from FOS stating that my case for charges refund from Nationwide is being thrown out.

I had applied through the FOS for refund of charges about 2 months before the OFT took on the case and subsequently lost. At that time it was the penalties thing.

Does this mean I have to start from scratch again with a new preliminary and then the LBA to Nationwide?

Should I wait until the new templates come out before reinstating action or should I start now with the existing preliminary?

Either way, can I go past the 6 year limit based on my original submission to FOS?

Basic charges work out at about £2100+ but with interest works out at £2900+ and I would like it back! ;)

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  • 5 weeks later...

Yes to everything really. :D

 

I would wait till the new templates and arguments have been argued through and posted up here.

 

Yes you can go past 6 years for your claim.

 

And I don't blame you £2K+ is not to be sniffed at in this day and age bud.

 

Sit tight for another week or three and things should start moving forward again.

 

Hope that helps?

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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I also got a letter today from Natwest, saying basically the OFT test case found bank charges to be fair (they haven't) , if I'm dissatisfied I can complain to the FOS and if they don't hear from me in 8 weeks they will consider my case closed.

What about sending the letter from Govan Law Centre to stall them? Or is it best to wait until there's some more worked out argument and begin again?

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  • dx100uk changed the title to nationwide charges reclaiming - Help - What should I do now?
  • dx100uk changed the title to Nationwide - Can they do this?
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