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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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sparksgem ***WON***


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Lloyds TSB Bank PLC is the full name, but any variation of that should probably do :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Go on the Royal mail website and use the tracking number on your recorded delivery receipt to track your letter and see when iwas delivered then you start your 40 day countdown, it seems to last forever!!

Regards

adamski

 

 

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well i am off on holiday tomorrow (saturday) butlins at skegness couldnt afford anything more this year or any other year for that matter will treat the kids to a nice holiday when i get my money back

still nothing from LTSB been 8 days now so they still have 32 of their 40 to go

have been following the threads and congratulations to all those that have won already and go get them everyone who is nearly there

will keep you all posted as to the progress i am making and no doubt i will need some help before i am finished

think i have got the interest sorted in my head but it seems to be the thing most people struggle with

was hoping i would get my data back from LTSB before i went on holiday so i could have sent letter 1 requesting my money back before i left but i suppose a week wont make much difference

suzy

Lloyds TSB Data Protection Act (SARS) request sent 4th July 2006 recorded delivery signed for on 5th July 2006

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hi all

am back from holiday and still no package from LTSB should i give them a call and see what is what or maybe e-mail asking same?

just want to get started on getting my money back will be looking at another £90+ charges in July

good luck to everyone who has won so far

i have been following the threads with interest

sue

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hi

have been reading the other threads where people have been talking about overdrafts od £2000+ all i wanted was one of £300 which would have avoided 90% of the charges but because my credit rating is not 100% they deny me every time i actually have over £2000 a month going into the account but it can be a little erratic due to people like the good old CSA etc so sometimes because of this my account is short but over all my account runs at an even keel despite the lapses into the red....................so sometimes they are over cautious with our money yet my persoanl banker says if i sort out my credit rating there is money that i can borrow and an over draft of xxxx£ work that one out

suzy

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well have just recieved my information so will trawl through it all properly later but looks like about £3000 give or take a few hundred it is pretty comprehensive gives all the notes they have on my account too even the bit where i took them to appeal over a loan they wouldnt let me have, my loan accounts are never missed and always paid on time

well i suppose sometime in the next couple of days i will be starting the fight back i have been reading the threads and there seem to be a few people at and around the same stage as me so good luck everyone and if you want drop me a line

suzy

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  • 4 weeks later...

hi all

didnt realise i hadnt posted for so long have been following threads along the way

well i trawled through my information and they have taken a total of £2454 in the last 6 years

so have printed the prelim letter and done the spread sheet and sent it recorded delivery and now i just need to sit and wait there sorry no way letter and send the LBA letter and then its off to court hopefully i wont see them there and will get a cheque with my money back

thanks for all the help on the site

sue

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well hope this is the right place to post this

i had a very interesting conversation with a worker in the complaints department of Nationwide today

she stated that they had been told to say no to a refund until either a small claim was filed or the ombudsman was involved then they would settle.

 

i asked why, she said "because it was cheaper to settle than to go to court" she did say that "it would take a case big enough to make it worth the cost of defending it for them to consider challenging the claims"

sue

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well have my first refusal letter signed by a Sharon Jones

i havent seen a copy of this one on here

*Dear Mrs ******

I am writing to let you know we've received your complaint - and to say how sorry I am to learn that you're unhappy with us.

 

You have my assurance thet we will investigate the concerns you have raised with us - this may take a little time but i would expect our enquiries to be complete within the coming 2 weeks. We will then be able to respond in full to your complaint and at that stage,I hope, resolve matters between us.

 

In case you haven't received a copy of our leaflet called 'How to voice your concerns' I've enclosed one with my letter (it was there too). This tells you all you need to know about resolving your complaint with us.*

 

At least it wasn't a straight no at the first shout

maybe they are going to start paying up before court................some hope!

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Have just tried to get some information from my on line banking from statements but i couldnt go back any further than 3 months has anybody else had this problem?

would call into branch but have the kids and not dragging them down to the bank

hope this is just a glitch or it could be that they want to stop people from getting their charges so easily

any thoughts?

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Well got the no you cant letter from LTSB this morning

will post my letter before action first thing Monday morning along with a letter trlling me they are going to take £162 in unlawful charges from me on or around 1 Oct at this rate they are going to owe me £3000 instead of £2454

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Doing great so far, keep standing your ground - stick to YOUR deadlines, and remember not to let their bullying tactics put you off!

 

£162 in one month:mad: - how the hell do they sleep at night? Any further charges they impose can be added on when you file a Court claim, so at least you know you'll get it all back eventually.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi sparks,

 

Might be worth waiting until they do take that latest round of charges - then you can add it when you file your claim ;)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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