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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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debt with hsbc


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Lisa , it's gone ! :D Well done you .......chill out and wait for an answer , then come back to us if you need more help ..

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Not to worry Lisa, it wasnt a major alteration that affected the main content of the letter. More me being pedantic:p

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hello all

 

Well we ahve an update from Capquest.

 

 

Dear Mr ..............

our Client HSBC Bank

Balance £5212.78

 

Further to your recent correspondence and in oreder to process your communication further, we would request you provide the following information by 20th march 2009 to assist us in resolving this matter.

 

Full details of your dispute together with supporting documentation.

 

Your assistance would be greatly appreciated. Please note that this is not a demand but a request.

 

Yours sincerely

 

Collections administration

 

I thought i had told them in my last letter

Lisa

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Lisa just do a bullet point letter for them so they fully understand your dispute.

 

like this. please note bullet points cant be used on the forms so i will use stars.

 

* NO CCA provided.

* SAR request Not complied with.

* PPI added without my permission.

* etc

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi ok thanks

 

Would i just put

 

Dear sir/madam

 

This account is in dispute for the following reason

*NO CCA REQUEST

*SUBJECT ACCESS REQUEST NOT COMPLIED WITH

*ECT

 

I would therefore suggest you return the account back to HSBC Bank to resolve the dispute

 

Yours faithfully

Mr ***************

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Hi ok thanks

 

Would i just put

 

Dear sir/madam

 

This account is in dispute for the following reason

*NO CCA REQUEST

*SUBJECT ACCESS REQUEST NOT COMPLIED WITH

*ECT

 

I would therefore suggest you return the account back to HSBC Bank to resolve the dispute

 

Yours faithfully

Mr ***************

 

Perhaps,

 

No response to CCA request - made XX XXXX XXXXX

No respones to SAR - made XX XXXX XXXX

etc,

etc

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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That's it ,lisa - just list it like CB showed you , but don't put ETC of course , list why you consider it to be in dispute ......

 

But I would say that 3 reasons are enough for it to be in dispute ....... how about :

 

Dear sir/madam

 

Further to your letter of xx xxx xx :

 

This account has been dispute with HSBC for the following reasons:

*NO CCA REQUEST

A copy of my agreement has not been produced as requested, and you must be aware that if you cannot produce a copy the debt is unenforceable.

 

*SUBJECT ACCESS REQUEST NOT COMPLIED WITH

I am unable to reconcile my accounts because I am lacking the documentation required . My SAR was sent on xx xxx xx

 

*PPI

The application of PPI without express permission is also in dispute.

 

I would therefore suggest you return the account back to HSBC Bank for them to resolve these matters.

 

Yours faithfully

Mr ***************

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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PS - how about your N1 lisa , have you submitted it to the court ..... ? :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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what Johnny has put seems to fit the bill better as it contains full details and dates.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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hi,

I need a help from someone.

 

Ive got overdraft with HSBC £2000.00, and credit card with outstanding balance 2100.00. Im already under Debt managment plan, but company calls Metropolitan Collection Service LTD just send me a letter . They want me to pay in full ASAP.

 

WHat should I do?

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Hi ggm , welcome to the forum , :)

 

Could I ask you to open your own thread on this please , that way you get targetted information which is not mixed up with anyone else's ....

 

Just go to the 'NEW THREAD' button , which is at the top and bottom of the HSBC site page ....... then cut /or copy and paste in the question you've just raised .........

I'll keep an eye out for your thread ........ thanks! :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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