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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
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    • 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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Karen Vs GE money


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Am about to send a SAR to GE money for store cards with Debenhams, Dorothy perkins and Top shop. Do I have to send £10 for each card? And is the address the same. I feel a bit braver with so many people going through the same thing. Its a great site!

 

Karen

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welcome.gif

 

One £10 should be sufficient for all 3 accounts, it's about the data held on you, make sure you are very specific in your SAR to give each account number and card name.

 

Keep us updated and remember we're all in this together. :-)

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Thankyou for the welcome and advice. Before I send it will they still accept a cheque? Alot of company's no longer use cheques and I do not want them to delay this matter any longer than they will try to do anyway so what is the chance they will ask for a different payment? Karen.

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Hi Karen,

I am slightly ahead of you with GE. I have just sent off the prelim yesterday. The statements didnt take long to come, about 4 weeks, although there were a few statements missing so I had to estimate the charges on those.

Good luck with your claim:-)

Penny

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  • 2 weeks later...

Awwww, diddums... If you owed them money, do you think they would accept you saying: "Sorry, I have been overwhelmed with bills, I'll get to yours asap"??? :rolleyes:

 

You could write back and say: "thanks for the apology, but the clock is still ticking and you now have X days before I make a complaint to the Information Commissioner". That should sharpen their mind nicely. ;-)

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I sent mine to

 

Sarah Wainwright

Data Protection Administration

GE Money

PO Box 700

Leeds

LS99 2BD

 

I received information 13th July! All the dcharges were listed in one letter, with dates, for all accounts. As they are not statements I can not check them but I will have to work with what I have.

 

Do I send 1 LBA for them all or 3 seperate?

 

I will also have to go work out the interest on top.

 

Karen x

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I just realised, when reading through the interest threads, that I probably can not claim interest back. This is because my SAR came back in letter form rarther than statements, therefore the balance at the time of the charge is unknown. Can anyone help with this?

 

Is it possible that they are aware of this and are sending in this format so that people can not work out interest? Hence, saving them money?

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Or you can just estimate the interest - if your account was almost always near the credit limit then a reasonable estimate is just to apply their rate of compound interest to the charges

 

 

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I'm npot sure that they all were but I will work it out somehow..i'm wure they will be too busy with all the thousands of other claims to pick through my claim ;p

 

So do I send 3 seperate prelim letters or can I umbrella them all under one?

 

Karen.

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Nope its just under £400 so I will lump them together. Thankyou will keep this post informed. :D

Hi Have just received letter back from GE Money listing all charges but it only went back to 2005 and I have had account with them for well over 10 years. How long can you go back. thanks everyone. pam

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Mine only went back till 2005 but can't remember whether I had card before then, though do not think I got chages back then anyway.

 

Legally you can reclaim charges from 6 years back. So that should be from 2002.

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I think you can claim charges back as far as you can get information. 6 years is the normal limit but s32 of the Limitations Act 1980 provides for remedy of mistake - in that case, it is 6 years from when the msitake can to light. You paid the charegs msitakenly thinking they were lawful until you recenty found out they weren't.

 

 

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I have put this on the back burner as of late due to confusions over wording of the prelim. I am not sure which bits to take out so does anyone have an adapted prelim for store cards please?

 

Thankyou inadvance. Karen.

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