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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
      • 160 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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Let the battle commence LTSB!


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Sent DPA letter 16th June (along with a letter to barclays, mbna & egg which i have received responses from already!) nothing from Lloyds to date so chased with and email attaching original letter to hopefully gee them up a bit. I see from other postings the Lloyds are not the quickest to respond (probably because they are dealing with so many!:p )

 

No idea at present how much i will be claiming yet but i estimate about 1500 ish.

 

Will keep you informed!

 

Fantastic site by the way- once i got familiar with it and found my way around - i feel alot more confident now although still a little nervous of doing the wrong thing and jeperdising my claim.

 

Good luck everyone else!

 

nikki300

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Welcome.

 

There's nothing to be nervous about. Just follow the tried and tested formula

and take your time at each stage. It's not a race and if you get stuck just post your problem here.

 

While you're waiting for your statements,keep reading and learning as much as you can

 

Goiod luck

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Well the email worked and I received my statements this morning as well as a seperate list of charges! Worked out 1900 ish and 2050 ish after the OD intrest was added, which was a nice suprise/shock.

 

So sent off claim by email and post so fingers crossed- it's so exciting!

 

Nikki x

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I need help please.

 

I've got myself in a bit of a knot!

 

LTSB sent me a full list of charges applied to my account, and also my statements for 2001. I can get all the amounts I need for the 'Request repayment of Charges' from the list of charges but it doesn't have the account balance at that time for the spreadsheet. Do I really need this column? Or do I need to chase LTSB for the rest of my statements?

 

Not seen any posting where anyone has received this list of charges so not sure- any advise gladly received!

 

Nikki x

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  • 2 weeks later...
  • 2 weeks later...

Gave LTSB the full 14 days as per LBA and filed claim to gloucestershire court yesterday! They said they had a back log of putting claims on system so should receive confirmation from them end of next week.

 

I'm getting nervous now as I'm due to have a baby in 5 weeks and I will have 2 babies under 13 months old (!!!!) so will have my hands very full so I'm really hoping this doesn't get too complicated!

 

Nikki xxx

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  • 2 weeks later...

Received acknowledgement from Lloyds disputing claim in full (this happened after approx 7 days- very quick!), so will have to wait for their arguement.

 

Needs to read up on what happens next, although as baby no 2 is due any day now really not really feeling like it :( .

 

Anyway this money will go toward buying myself a new horse in the new year so that's my incentive!

 

Good luck to you mollymoo!

 

Fingers crossed!

 

Nikki

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  • 2 weeks later...

Fingers crossed they forget to file the defense for you Nikki - but don't count on it!

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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True to form, this day (the last day) Llloyds entered defence (standard 'you were aware when you took account' blah blah blah), received AQ in post so completed and returned by hand straight back to court, guess I just wait for court date now.

 

Hopefully the end is almost insight now!

 

Nikki

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Hang on in there Nikki, not long to go now! In many cases (my own included), they offer a settlement a week or two after the A/Q deadline, although they do drag some cases out longer. Stay strong and keep reading up on all the relevant information on this site - knowledge is power remember!

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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  • 4 weeks later...

Site not been letting me in for a few weeks, but all seems to be sorted now- touch wood!

 

Rec'd AQ from Lloyds sols asking for the standard 1 month 'to attempt settlement' (lol!), then received letter from the court imposing a STAY until 1st Dec. As you can imagine I'm gutted about this I was hoping to have a lovely christmas with my pay out and it looks unlikely now!

 

Will keep reading the forum to see anyway of getting court not to do this STAY, I've found a letter attempting to start communications with sols to settle so will do some reading up and try my luck.

 

Anybody else had this I could do with some confidence before I start direct communications with the sols?

 

Nikki

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Right... missed deadline to get stay put aside, with new baby etc. So will now write a letter every monday and phone every friday I think to give them every opportunity to settle. At least then I can prove to the court that I've made the effort!

 

Do they appreciate being pestered- I doubt it, this is so frustrating PLEASE PLEASE PLEASE give me my flipping money!

 

Nikki

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What was the stay for exactly?

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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