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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
      • 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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Natalie v Halifax - SETTLED IN FULL


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I rang the call centre today to request my statements for the last 6 years and was charged £5 in total for each account. Why is it varying so much what each person is being charged?

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FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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because the banks are in disarray. because despite all the money they make from disproportionate penalties they don't seem to spend enough on staff-development. Because they have no plan. Because they have no policy. Because they are so relentlessly backward and greedy that they have lost sight of basic decency and basic humanity.

 

 

At least all of that

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I requested my bank statements over the phone, should I still send a letter asking about manual intervention?

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FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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There's a similar question a bit lower down. The reply there is

Yes it's fine - but put your DPA request in anyway a you may need to know whether there has been any manual intervention involved in any of the charging decisions on your account.
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How nice to find people reading the forum material.

 

Thanks

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Where are people emailing to? the "contact us" email states "account specific queries cannot be dealt with via email for securiety reasons"

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FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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As it had "Bank Account Query" on the form I used that (via halifax-online.co.uk)

 

I figured it would gte forwarded to the correct department, and as I was not asking for infomation via e-mail, it would be ok.

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

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Emailed mine just now,

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FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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it will be interesting to see if we get the same standard letter at the same time.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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I'm overdrawn with Halifax, my credit rating isnt great anyway so I figured i had nothing to lose, even if they decide to close my account they cant take money I dont have. When they start threatening me I'll offer them a repayment of £2 a month, I'm a single parent to toddler twins so I cant work.

 

The money they owe me far outweighs my overdraft so I'll pay them back when they pay me.

 

I s'pose it all depends on what you have to lose.

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FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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The problem I have with the Halifax is that even though you make and keep to arrangements with them, whenever you have money in the bank they just help themselves to it, and when you speak to them about it they say you agreed to this when you signed your contract!

 

So be very careful if you owe them anything not to leave too much in your account.

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Welcome.

 

Single parent? Are you getting your benefits paid through your account? You might want to think about opening an other account elsewhere and get your benefits paid there so they can't get their grubby paws on any more of it.

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chance would be a fine thing to have anything in the bank! Do they have to warn me that they are taking away my overdraft ro can they just start lowering it as funds go into my account?

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Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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I have just added up what I have paid since October last year through my on-line statements, £771, I am shocked its so much, I think I might have to do my two accounts separately cos otherwise it might be over £5000. I will know for sure when I get my statements but I thought I had been quite "good" with my account recently!

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Ok, found out last years statements, charges made from June last year onwards pay off my overdraft in full! Who cares if they close my account! I think cos its taken gradually you're not really aware of how much they actually take off you! It has made me more determined to see it through now.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Good luck Nat, be sure to keep us posted!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Received email back this morning, really really helpful, I can totally understadn why they need 48 hours to deal with the query.

 

Thank you for your e-mail dated 10th March 2006.

 

In order to request the information that you require, please may I ask that you call the Telephone Banking Service on 08457 20 30 40. Lines are open 24 hours a day, 7 days a week.

 

A consultant will be happy to help.

 

Regards

 

 

 

 

 

Craig Pringle

Online HelpDesk

http://www.halifax.co.uk/online

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Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Rubbish, of course. Thy have had their reqest. Call the consultant and tell him to get moving. Refuse to fill out any forms. Tell him the clock is ticking. Ask for a reference number of the conversation.

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Think I will need to write a snailmail letter, the poor boy didnt have a clue what I was on about. Will write tonight and post 1st thing tomorrow.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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in 30 different envelopes! Trying to justify the £10 (£5 for each acc) they charged me?

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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