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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
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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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Has Anyone won against Halifax ?


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686GJKEE4

 

 

I have skimmed through the Halifax section of this forum, reading people's posts ie - "First Letter Sent"

 

but I dont see anyone saying "Woo Yay I got my money back"

 

I am on a very limited income (benifits) and am very very tempted to go through with this to deal with Halifax, as I am driven mad by £39 chanrges when a cheque bounces (even though it is my own fault) I dont mind being charged, it is the amount they are charging me thats a weeks income!

 

But I dont see anyone posting to say they have got money back from Halifax, and although i would be willing to take it every step of the way, i am a little concerned about Halifax driving it as far as they can and not being in a position to afford it.

 

So has anyone beaten Halifax ?

 

686GJKEE4

I may not have gone where I intended to go, but I think I have ended up where I needed to be.

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The Halifax will be just the same as any of the other banks.

Go through the steps and see what happens.

 

Don't judge the lack of visible repsonses so far as any particular guide.

Don't forget that this forum has only been going for 2 months so far.

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If you look through Litigation in Progress you will see that 1 case has been settled in full, and another is in progress. Action has only really started to build up since Stephen's spectacular and well reported case. It is a long process as the banks are in no hurry to pay out and most have to be pushed to the door of the courtroom before settling. Some will even go through the door and you must be prepared for that.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Ok,

 

I paid £100 CASH into the machine at the Halifax at 7pm on friday night into my partners acount to cover the comming month.

The following wednesday 2 DD's were bounced, lack of funds, as the CASH paid in at their machine had not made it to the account ?

 

Charges then came in £39 for each bounce on the DD's (£79)

Charge from credit card for non payment (total £40) - Card was with Aqua

part of BOS or is that Halifax bank of Scotland.

 

Went to the local branch and complained.

Offer of refund for 39

Never turned up

 

Wrote with STD letter - letter back saying (not in our policy to pay back)

Issued papers via moneyclaim online

Halifax paid after court replied halifax had filed a defence.

 

as for the credit card.

 

read above paragraph and substitue Aqua for halifax.

 

Halifax (BOS)- Paid £109

Aqua (BOS) - Paid out £70

 

Halifax do like to take it to the limit, I had booked days of work in both

of the above to go to court and face them, but they took my fun away....

d.

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Sorry you missed the fun, but at least you got your money back!

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Ok,

 

I paid £100 CASH into the machine at the Halifax at 7pm on friday night into my partners acount to cover the comming month.

The following wednesday 2 DD's were bounced, lack of funds, as the CASH paid in at their machine had not made it to the account ?

 

Charges then came in £39 for each bounce on the DD's (£79)

Charge from credit card for non payment (total £40) - Card was with Aqua

part of BOS or is that Halifax bank of Scotland.

 

Went to the local branch and complained.

Offer of refund for 39

Never turned up

 

Wrote with STD letter - letter back saying (not in our policy to pay back)

Issued papers via moneyclaim online

Halifax paid after court replied halifax had filed a defence.

 

as for the credit card.

 

read above paragraph and substitue Aqua for halifax.

 

Halifax (BOS)- Paid £109

Aqua (BOS) - Paid out £70

 

Halifax do like to take it to the limit, I had booked days of work in both

of the above to go to court and face them, but they took my fun away....

d.

 

Can we have the claim details for our litigation section please.

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I noticed in the Litigation section it gives the case number, is there any way to look up the info on this online, so when I go and see my Bank Manager I can say to him "Do I really need to take it this far"

 

?

I may not have gone where I intended to go, but I think I have ended up where I needed to be.

http://www.saner-the-stoner.com - Life the universe and everything

http://442online.net - 442 Football Forums

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Don't think so. County court cases aren't listed or recorded in this way.

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Both cases are now listed in the litigation section, under sweeney (v) halifax.

 

On a side note on friday we recieved a letter which in summary said because we had sued them if we incur anymore charges they will close the account on us withing 30 days.

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On a side note on friday we recieved a letter which in summary said because we had sued them if we incur anymore charges they will close the account on us withing 30 days.

 

So if there are no more charges, the account stays open?

 

This is what I am most worried about, as I have an awful credit history and am finding it very hard to open a new bank account :?

 

I appreciate that all cases are different :)

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Well open an acocunt elsewhere anyway. if you don't use it for a year other than have a bit of money in and out, after a year or so they will probably upgrade it.

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....This is what I am most worried about, as I have an awful credit history and am finding it very hard to open a new bank account :? ........

 

Join the club - but on the bright side you should have no difficulty opening a BASIC bank account elsewhere. That's what we had to do, and we moved to HSBC - their basic account lets us do everything online (if needed) and we can pay DDs, SOs, one off payments to any account etc. They only issue a card for cash withdrawals, but if you need a solo / switch etc then other BASIC bank accounts do have these.

 

See here for a pdf guide to these accounts

http://www.fsa.gov.uk/consumer/pdfs/bank_account.pdf

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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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

I may not have gone where I intended to go, but I think I have ended up where I needed to be.

http://www.saner-the-stoner.com - Life the universe and everything

http://442online.net - 442 Football Forums

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