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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
      • 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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Mr_P v Halifax


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So, they've written back aknowledging my request for information regarding my banking history and are sending duplicate copies of my statements :)

 

They have also said:

 

"We regard to your request for information relating to manual intervention on your account HBOS plc is under no statutory obligation to record this information and thefore, I am unable to assist further with your request"

 

Can anyone confirm if this is true?

 

:)

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  • 2 weeks later...

Ok, So I've now sent off the first letter demanding they repay over £600 of charges (just aswell I waited until today, as I had to add another £28 which they charged me yesterday!)

 

What are the chances of Halifax demanding that I close the account ?

 

I dont have another current account (I have a savings account), and might not be able to get one due to some bad credit history when I was younger.

 

This is the only thing between me carrying all the way on with the job of getting the charges back and not getting them back, just to keep the account and rebuild my credit rating.

 

Help appreciated!

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Guest Mumofthreeboys
Ok, So I've now sent off the first letter demanding they repay over £600 of charges (just aswell I waited until today, as I had to add another £28 which they charged me yesterday!)

 

What are the chances of Halifax demanding that I close the account ?

 

I dont have another current account (I have a savings account), and might not be able to get one due to some bad credit history when I was younger.

 

This is the only thing between me carrying all the way on with the job of getting the charges back and not getting them back, just to keep the account and rebuild my credit rating.

 

Help appreciated!

Barracad put together this list of parachute bank accounts.

 

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

 

Hope this helps, MOTB xxx

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  • 3 weeks later...

Ok, yet more charges from Halifax :(

 

They've gone up now £39 charge!

 

Paypal took the money from my bank acc instead of my credit card :(

 

What I'd like to know, is, what are the chances of Halifax closing my credit card account if I demand the charges back on my bank accounts??

 

Im not asking for any charges back regarding the credit card, as I've never had any.

 

I owe £1000 on my credit card (which I pay off each month I might add ;) - I dont want them to close the credit card account and demand back the £1000.

 

Can anyone offer any advice ?

 

 

ALSO, now Ive got my statements, do I just send the standard claim letter ?

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Guest Mumofthreeboys
Ok, yet more charges from Halifax :(

 

They've gone up now £39 charge!

 

Paypal took the money from my bank acc instead of my credit card :(

 

What I'd like to know, is, what are the chances of Halifax closing my credit card account if I demand the charges back on my bank accounts??

 

Im not asking for any charges back regarding the credit card, as I've never had any.

 

I owe £1000 on my credit card (which I pay off each month I might add ;) - I dont want them to close the credit card account and demand back the £1000.

 

Can anyone offer any advice ?

 

 

ALSO, now Ive got my statements, do I just send the standard claim letter ?

 

I don't have any personal experience of the Halifax. Read around that forum and see what has happened to other people. You should set up your parachute account tho, as recommended above. :)

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  • 1 month later...
Guest Mumofthreeboys
Ok, so their 14 days is up - sending the LBA them today, wish me luck!

 

I will wish you luck, but you won't need it, MOTB xxxx

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  • 2 weeks later...

So - Ive received a reply from Halifax

 

 

halifaxle4.jpg

 

halifax2av1.jpg

 

They owe me at least £620.00 and with the charge for this month which I included on the LBA / Schedule - £650.

 

If I accept this offer - is that the end of it ?

 

Or can I claim the other £225ish ?

 

Advice greatly appreciated.

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Guest Mumofthreeboys

You can get it all back. This is obviously your decision, but if I were you, I would accept as part payment, there's a letter in the library to that effect.

 

Issue your claim when your deadline is up, not theirs.

 

My advice is to hold your nerve, because you can get it all.

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Guest Mumofthreeboys
Are they liable to withdrawl the offer and I could end up with nothing ?

 

They may well withdraw the offer, but it doesn't matter.

 

Trust me, read around, check out the survey results - you CAN and WILL get it all.

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