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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 
      • 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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Hello - Halifax Charges!


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Hi All,

Halifax are again charging me stupid amounts for going over my limit and not realising.

7 or 8 charges of £28 in two weeks, on top of all the other charges they have made against me since I've been with them.

 

£28 charge for spending 0.55p! wtf!

 

Will they force me to pay everything back and close my account if try and get the charges reimbursed?

 

Also, will my credit card which is also Halifax, be cancelled?

 

Advice appreciated!

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Will they force me to pay everything back and close my account if try and get the charges reimbursed?

 

Also, will my credit card which is also Halifax, be cancelled?

 

 

They could close your account, if your worried then it would be a good idea to open a parachute a/c wtih another bank. Reclaiming 6 years of charges may amount to more than your overdraft

 

It's unlikely they'd cancel your CC, unless you claim off that too!

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Hello Everyone

Being thoroughly appalled by what I regard as obscene profits regularly published by banks, (HSBC comes particularly to mind!), I am now set on helping my future son-in-law recover £1110.00 in Overlimit / Late Fee charges levied by the Halifax Card Services over the last six years. Having sent a £10 cheque requesting details of charges, citing one's rights re the Data Protection Act, the Halifax have obliged by sending print-outs of all the statements bar two as from Sept. 2000.

Using the Interest calculator courtesy of The Consumer Action Group, this adds a further £140.03 to the gross claim making £1250.03.

 

One interesting but salutary point is that we discovered that between 09/2000 and 05/2004, a total of nearly £330.00 was paid out for Repayments Protection Insurance! What an utterley waste-of-time investment this proved to be.

 

However, I would like some advice please as to whether anyone has itemised the type of charges which one might legally challenge and those which are justified eg 'Basic Interest'. For instance, can 'Cash advance' charges be included?

 

Wishing you all the best

 

PeterG

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Hi there, I would also like the above question answered? Can cash advance charges be claimed?

 

Thanks!

 

Kevin

 

Nope :) You will find the answers to these questions in the FAQ's

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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  • 2 months later...

The peliminary letter was sent off, I recieved a reply within three days, with a standard letter stating that

 

"I am sorry to learn that you are unhappy with the charges applied to your account, we're keen to deal with your concerns as quickly as possible. A customer relations manager will inverstigate the points you have raised and you will receive a reply shortyl, but no later than 4 weeks"

 

So if Im following the step-by-step instructions correctly, I now allow them 14 days from the date they received my letter, to comply with my request, if they fail I then send them the LBA.

 

In the meantime, they've added another £68 in charges to my account!!

 

Thanks for all the help so far :D

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My ex wife has been charged £88.07 by Halifax after she went overdrawn by £5.09 for just one day. Their initial charge was £30 however this directly resulted in further charges that reached a total of £88.07 all within a month!!!

 

Without their charges she would have been in credit so I have suitably amended the excellent template letter and excel spreadsheet to send to Halifax.

 

I believe what Halifax has done is nothing short of extortion.

 

Halifax are not the only culprits as my son has a business account with Lloyds TSB for his shop. He was charged £4,800 for occasionally exceeding an overdraft limit of £6,000. He has cleared the overdraft and will now be seeking a substantial refund of their charges.

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