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    • My autistic son brought a van from a private seller. ( there was 5 other cars on his drive and another van, plus loads of machanic tools in his hallway,  so he probably is a unofficial dealer).  He gave the van a once over, he checked for any warning lights that might be on, there was none. He checked underneath for any rust etc, it all looked fine. The body was rough, but you'd expect that for the age of the van.  He got his brothers machanic to give it a pre mot check, as the van was old so he expected it to have a few problems. The van is a deathtrap, the seller had blacked out all the warning lights that were on the dash,  and I mean all.  He had also painted some kind of black stuff on the underside, to hide all the damage there.   My son drove it for over 2 hours to get it home. The machanic said he's surprised my son is still alive, and an untrained eye would not of seen what the seller had done.  Iv asked the seller for a refund and for him to have the van back, but he is refusing. Is there anything we can do.   
    • First of all it sounds as if your retailer is very decent and very responsible. This itself is unusual in these kinds of circumstances and I think we need to bear this in mind. The guarantee is not particularly relevant and in fact the dealer had a statutory duty to exercise a certain responsibility for your computer – probably for several years as their obligation under the consumer rights act. The dealer may not have known this and it simply acting out of a sense of moral responsibility and that is even more noteworthy. You've already suggested earlier that you didn't really want to cause problems for your retailer. I think that you will need the help of your retailer as well in order to get information and evidence. I suggest that you proceed against DPD – but before you do that – I suggest that you have a discussion with the retailer. Tell them that this is what you are going to be doing and you would like to have a copy of anything they have which relates to the special instructions which apparently your dealer has already informed you about in relation to where item should be left. Secondly, maybe you should tell your dealer about this site and also about this thread. I can imagine like many dealers who are frequently sending items by means of couriers, they have had things go missing. Tell them that we will be very happy to help them recover money for lost or damaged or stolen items – and that is regardless of whether or not they have purchased insurance. Apart from being very pleased to help your dealer recover items which have been lost by irresponsible parcel delivery companies, I think we need to encourage the complicity between you and them so they will be pleased to support you in your claim against DPD. It will be helpful if you can get a copy of the instructions that you have referred to above, and also if you can get some written evidence of your own instruction that your laptop should be left in a safe place. Have you done the reading on this sub- forum? You will need to do lots of reading of many of the similar stories on this sub- forum. They won't necessarily be against DPD but the principles will broadly be the same. Also read the pinned topics at the top of the sub- forum in order to understand many of the principles involved. Getting your money back but be quick – but your chances of success are better than 90% that you can bank on it taking anything up to a year. Have you got anything in writing from DPD either refusing you or telling you that they won't discuss with you?  
    • Thank you for telling us the text of the letter you had from the police. As we don't seem to have come across this before, it would be really useful for us to see the original please. HB
    • Pasco has recalled 104,000 packs of sliced bread after rat remains were found in at least two packs.View the full article
    • UPDATE I went rooting through an old box of paperwork I have and I've found the original Default Notice. It is dated **/**/201*, however.. The copy of the Default Notice that they sent with the LBC has a completely different date on it 😮 Can they issue 2 default notices for the same debt? Where they have changed the date on the copy, they have also changed the amount owed through failed payments and how much is required to be paid by a certain date. In addition, they sent (with the 1st LBC) a copy of the termination of the agreement, which I cannot find the original. However, the termination date is 3 days after the date given on the (doctored) Default Notice, by which monies are to be paid by. So, they gave until the 'x' date to pay the arrears, then terminated the agreement 3 days later. I bet a dollar to a dime they've doctored the termination date also.
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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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Barclays:Business/Personal Bank Charges (POCs)


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Hi Hattie,

 

How come your name's changed ?

 

I suggest you write to your local court now, reiterating the points set out in post #18 of the last page of your thread, and see if you can persuade your local judge that your business claim should NOT be Stayed.

 

Good luck - Happy and Prosperous New Year to you.:)

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Hi

Sorry for the confusion re name change. I had forgotten my password and I must have made a slip up with my username when I set a new one up!

 

I will send the same letter details re post #18 to the local judge and wait and see what happens.

Thank you. Happy New Year

Hattie

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  • 1 month later...

Hi Hattie,

 

Saw this post and wondered how you're doing with getting your case moving - http://www.consumeractiongroup.co.uk/forum/general/130570-fos-resumes-business-claims.html#post1372643

 

Give us an update.

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Hi

 

I sent all the replys that you suggested and it did look promising about Christmas time. However, a got a letter from the Court probably 3/4 days ago confirming that the case has been Stayed. I also got a letter from Barclays offering me a miserly £200 of which I am obviously not accepting.

 

Are there any dates planned in the near future when they will reviewing the situation re Stayed cases?

 

Thank you.

Hattie

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Thanks Hattie,

 

I'm waiting to hear how Pov got on with her court (same situation), then we'll put our heads together and come up with a cunning plan !!

 

I'll be back !! :cool:

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Thanks Hattie - I'm on the case. :cool:

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Hi Hattie,

 

Change of tactics, as the courts don't seem to have the guts to play fair.

 

Send this to Barclays by Rec'd Del'y and see what happens.

 

Barclays Legal and Compliance

Litigation and Disputes

Level 29

One Churchill Place

London

E14 5HP Date

 

Dear Sir or Madam,

 

Claim No xxxxxxxx

Xxxxxx County Court

 

My claim against Barclays Bank PLC is for the repayment of unlawful penalty charges levied against my business account.

 

My case is currently Stayed by the Court and I am in the process of having the Stay lifted on the basis of the FSA Report (Two month review of unauthorised overdraft charges complaints handling waiver) published in November 2007.

 

I quote s.17 of the report :-

 

“17. The waiver does not include small business current accounts, because its scope is aligned with that of the OFT’s wider investigation which relates to personal current accounts. Firms have agreed to put arrangements in place to ensure that small business customers, including those who thought they were covered by the waiver, are not disadvantaged.

 

It is clear from the FSA Report that my claim should not be affected by the blanket Stays applied by the Courts to personal current accounts.

 

The purpose of this letter is to request that you confirm to the Court your agreement to the lifting of the Stay so this case may proceed without further delay, in accordance with the undertaking given by Barclays Bank PLC to the FSA.

 

Please confirm within 14 days that you agree to my request. If your agreement is not forthcoming, representations will be made by me and other claimants to the FSA without further notice.

 

Yours faithfully,

 

…………………

Hattie

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Hi Hattie,

 

I think you saw my above ltr later on in the morning I posted it.

 

If you've not already sent it to Barclays, please note I've removed the second sub-paragraph quoted from the OFT Review.

 

If it's gone already, no probs.:cool:

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Hi

 

I'm just working on the letter to send off and when I have looked at the OFT Review I presume you mean add the following:- covered by the waiver (note4).........

 

(4) Firms have agreed, in particular, that when handling complaints about unauthorised overdraft charges from small

business customers, the complainant will be given the option to accept an offer in full and final settlement, or for

their complaint to be deferred and considered following the determination of the test case. This is because of the

possibility that the test case might inform the approach to be taken in dealing with complaints from small business

customers about these charges. In this situation firms will not seek to rely on any time bars affecting the complaint,

or the customer's ability to complain to FOS.

 

Just wanted to get it right!

Thank you

Hattie

 

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Hattie,

 

I amended the letter which I first posted at #34 above and REMOVED the sub-para. Please send the letter as currently set out in post #34.

 

Sorry if I've confused the issue.:cool:

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  • 3 weeks later...

Hi Hattie,

 

No word yet from Barclays ?

 

You need to read here - http://www.consumeractiongroup.co.uk/forum/barclays-bank/80397-martin3030-barclays-business-round.html#post1418471

 

Martin's d/w Barclays (business) too.

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  • 2 weeks later...

Hi Hattie,

 

I see you've not looked in since 21st Feb and hope you're OK.

 

Please give us an update :)

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  • 3 weeks later...

Hi Hattie and glad you're back.

 

Did you have a look at the link I gave in post #40.

 

Can you write to Barclays saying:-

 

" I have received no reply to my ltr of xxth Feb, a copy of which is enclosed.

 

Unless I hear from you within 14 days confirming that you will agree to the lifting of the Stay, Formal Complaints will be made to the FSA and the OFT without further notice.

 

Yours faithfully, Hattie "

 

Let us know in 2 weeks if they've had the courtesy to reply.

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  • 2 weeks later...

Hattie,

 

You need to read here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/105213-guide-business-claims.html

 

Sorry, but the ruling today appears to make business claims untenable.

 

Work will be done on this and we'll keep you posted.

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  • 1 month later...

Hi Hattie,

 

Thank you too for fighting all the way as you have done.

 

We'll keep you updated if anything changes. :cool:

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