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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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Tobes v Nationwide **WON**


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Use th Pipers Way, Swindon one.

 

Good luck :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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  • 2 weeks later...

'I'm writing, following your recent correspondence to Charles Bacon in which you asked us to refund charges on your account. I'm now able to confirm that we've refunded £1092.00 and credited £512.56 to you account to cover your costs.

 

I must make you aware that the Nationwide Group uses the Financial Services Authority rules when dealing with customers' concerns. I've enclosed a leaflet that explains our Internal Complaints Procedure should you not be happy with my reply.

 

If you have any queries, please contact me, my address and telephone number are at the top of this letter.

 

Yours sincerely

 

 

Deborah Desborough

Team Manager'

 

 

 

:D :D :D :D :D :D

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Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Aaah, I thought you had got it without moneyclaim!

 

Fantastic news & congrats! If you could fill in the survey that would be great :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Cheers Guys!

 

I didn't get any letters from Nationwide when I did Moneclaim, but I got the letter of acknowledgement from the Court and it said that Nationwide intended to defend!

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:D Well, because this excellent site provided details of Charles Bacon I sent irritating emails to him throughout the process :D

 

That's probably why they acknowledged the claim so quickly because I emailed him 5 minutes after doing MCOL and I kept sending him stuff like 'I shall show the court your stalling behaviour which I am confident will go poorly for you' etc etc lol

 

Funny thing is that they haven't made me sign anything, and haven't even denied that they're liable - just the above statement!

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Great, how long after you got your letter was your money credited to your bank account? I got my letter of acknowledgment today saying Nationwide intend to defend!!

 

Juicy

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brill, another one bites the dust. WTG

Freebird x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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thanks guys :) :) Maybe four or five days?

 

I've just remembered that as I have a fax machine I faxed annoying stuff to dear old Charles too :D

 

I'm doing the same with HSBC - I write identical letters to several known contacts as well asfaxes...And when I issue my claim today I shall start faxing and emailing their legal department ;)

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That’s great!

Could you let me know the fax number and Charles Bacon’s email address please.

Thanks!

Capital One : £200.00 - Prelim sent then £68.00 put into a/c. N1 issued 08/08/06 for £132.00 + £19.54 @8% - Total Refund received

 

Monument: £532.00 + £96.11@8%. N1 issued 08/08/06. Defending claim.

 

Nationwide: Claiming £4835.87

£4593.53 paid back 18/08/06 Emailed Charles Bacon 21/08/06 to get the difference of 242.34 paid back.

 

NatWest: Prelim sent 22/08/06 for £1018.00. N1 issued 08/09/06. Filed judgement and received cheque for 1366.97 (inc interest) 28/09/06

 

Topshop: Total refund received £102.00 after 1st Letter

 

 

:p:lol: :lol: :p

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First of all, CONGRATULATIONS!!!!!

 

"We" have received the same letter - a couple of days ago. The costs and interest have been credited to the account, but nothing of the actual £1674 we're claiming for yet. I think the wording of it is confusing it a little, I don't know...

 

Did you get your £1092 straight into your account or by cheque?

 

Incidentally, 2 days later, today, we got the, "you haven't conducted your account in accordance..." letter. Hope you have prepared a parachute account because there's one in the post for you too!!

 

Once again, congratulations!!!

But then again, what do I know?

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clairus99....just watch your account for the remainder going in, should be any time soon. Mine was about 3 days after initial payment and can go in any time of day :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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lol thanks guys!

 

I hadn't been avidly checking my nationwide account for the reasons I'll detail below - so wen I got the letter I checked online and all the money for the full claim was already there so no tense waiting for me :D

 

I REALLY hope I get an account closure letter because this Nationwide account is a parachute account! Which is why I wasn't sure if money would be paid into that or if I would get a cheque - the account I was claiming for I closed ages ago! So if they DO close this one, there will be absolutely NO justification because there hasn't been a single charge :D

 

I did actually get a while ago when I first requested a refund a 'you might want to bank elsewhere if you cannot adhere to the terms and conditions' so i do SO hope they try this one me - I'm getting quite litigious now!! :) :) :)

 

 

 

As to what I faxed/emailed the Bacon dude, I was just really quite harsh as to their stalling, as I saw it, and I made it clear that I was happy for court, that I would be using their letters as evidence of stalling and that I was perfectly happy of the merits of my claim...Just basically wanted to show that I was not unsure as to what I wanted and that I could not be intimidated by letters...I also made clear that this wasn't a complaint, so they shouldn't be sending me complaint timescales and talking about the FSA - I actually calledthe Deborough woman obtuse lol I suppose I should send her a nice letter now :D

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CONGRATULATIONS!!!!! similar timescacales for me just received my money today - no account closure yet but i have a parachute account open anyway - i think nationwide are getting quicker at paying now it must be driving them mad!!!!

oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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YES YES YES!! After having discussed it here on this thread last night this morning I received a letter stating Nationwide's intention to close my account because it is 'clear that am unwilling to conduct [my] account in accordance with [their] FlexAccount terms and conditions'!!!!

 

Since this is a different account to the one I claimed over, and there hasn't even bee na single charge or breach of any kind, I want to challenge this - BF HELp!! :D

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