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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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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Debtmountain Versus Halifax Credit Card ***WON***


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Hello.

Sorry if I sound a bit stupid. I'm pretty inexperienced. I asked Halifax formally for my credit card statements at the beginning of August. These people drive me nuts. They have to be the most arrogant and abnoxious bunch of people I have ever dealt with in my life. And that's saying something! I received nothing even though they signed for my letter. I rang up and gave them grief recently. They insisted they would send them through. I still haven't had them through. What I did get was a settlement offer of £221. I am going to insist on getting my statements. When I get them how do I work out what they owe me? They say it is the difference between £12 and what they actually charged me. Is this true? Do I add on interest? If so, do I have to work out the interest on each individual charge separately? I get lost trying to read long threads. Some simple answers would be appreciated.

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Did you send the SAR letter with the £10 fee?

 

As your 40 days are up, you should now send the non compliance letter.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Just alter it to your needs.

 

When you recieve them you add ALL your charges.

 

Here is a list of things you can and cant claim for.

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

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I think they will cave in on giving me my statements. I'm not too concerned about that right now. All my charges in this claim are solely for my Halifax credit card. They are over the limit charges and late payment charges. I just want to know what to claim when I get my statements through. Is it the difference between £12 and what they actually charged me? Do I have to work out the interest on each charge individually?

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Hi, Debtmountain.

 

No it's not the difference, it's what they actually charged you. Here's a link to the interest calculating spreadsheets, just put in your charges and it will do the rest.....

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Regards.

 

Scott.

 

 

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Any advice I give is honest and in good faith.:)

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I can claim back all the credit charges IN FULL? If there is a £30 late payment charge I can claim back £30? Are you sure? Christmas has come early for me is this is true. I thought the £220 they offered me was paltry. With all the charges in full and interest I could be looking at £1000. Please just confirm this once more and you have made my day! Thank you kindly.

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YES !! The full charge, I used the Simple myself, not sure what the difference is. Someone a bit smarter than me will tell you;)

 

Regards.

 

Scott.

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

Just had a look at the spreadsheets. Just use the Simple, this gives you the 8%, I think the Advanced is for claiming more than 8%.

 

Regards.

 

Scott.

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Firstly, never believe anything the Halifax tell you, generally it is utter rubbish or lies. Keep everything in writing, don't speak to them on the phone. They are very, very slow but as long as you have put the account in dispute in writing then the onus is on them to respond, no matter what else they send or fob you off with insist on the statements and add the charges up yourself, keep all the rubbish they do send and tell them you have it on file as part of the evidence you may ultimately present to the FOS and the court if they continue to fail in complying with your wishes.

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Scott is right, you just need the simple one.

 

Also when you fill it in, all you need to put for the reason is "charges as notified" as that is all they put on the statements, but you DO need your statements so you can get EVERY PENNY back.

 

ALL your charges can be claimed back. Of you have any worries just ask, as you have seen there is always some one around to help you. :D

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

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

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  • 2 weeks later...

Well after nearly 4 months I got my statements through. It took several follow up phone calls and letters though. They really are the pits. They laughed at me on the phone and told me I didn't have a clue what I was talking about. I stuck to my guns though. My wife wants to claim back her halifax charges too now. She had a bank account and 2 credit cards with them. How does she go about her SAR? Does she send to have send off more than one? What address does she send it to?

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Im glad to see you got your statements, now the fun bit starts. working out how much the charges total up to..:D

 

As for your wife, she needs to send the S.A.R - (Subject Access Request) letter, but just the 1 fee will cover it. Just make sure you put all the account numbers on the letter.

 

Send everything to

 

Halifax Plc

Trinity Road

Halifax

HX1 2RG

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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i did not know my loan details, so just sent a standard letter to my local branch to ask for details - i roughly knew the year and how much i was paying. they forwarded me the details, then i applied for a SAR -AND WON £2,871!!!!!!!!!!

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Most of the time you have to send proof of who you are, ie, bills with her details, a driving license or passport. You might be able to do this in your local branch.

 

Now you have worked out your spread sheets, you need to send the prelim letter, and include a copy of the spread sheet.

 

You then wait 14 days and send the next letter, the lba.

 

All the letters you need are in this link..

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Also you should print or bookmark this step by step guide as it will show you each step of the way.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

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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Yes if they offer you the money before you file at court you cant claim the 8%, but the likelihood of that is very slim.

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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If they pay up immediately. Aye! and pigs might fly. Know what you mean. Sounds like the obvious thing to do. Would save the Bank the interest but they like to play silly b**gers, and drag it out as long as they possibly can. Don't know if you can claim the interest before going to court, your always advised not to.

 

Regards.

 

Scott.

 

 

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Debtmountain, I hope you get the lot. Keep us posted.

 

Regards.

 

Scott.

 

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I have seen the sticky thread with the Halifax contact details for prelim letters. I just wanted to check if it wasn't better to send my claim to their Dunfermiline Card Services address, as it is only related to my credit card? Everything is ready to go first thing in the morning. Also, is recorded delivery ok or shall I go for special delivery?

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