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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
      • 162 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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Phone call re statements


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Just thought I'd let you all know that I sent a letter to request 6 years of statements to my branch on 10/3/06. I have just called telephone banking to find out if they'd received it and a really nice man told me that I didn't need to send a letter, I could just request them via the phone at a cost of £5.00. I have now done this and can apparently expect to receive them in 5-7 days. I am concerned because it seems to have been too easy, any thoughts? :?

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Yes, I've got a though...

 

Maybe they've charged you £5.00 per statement as opposed to £5.00 for the whole 6 years' worth...?

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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Quick update, I phoned Halifax again and the man I spoke to this time informed me that if you request a statement from one date (in my case Feb 1 2000) to another date (Mar 15 2006) they class it as one statement and charge you accordingly (£5) Has anyone else found this or maybe others are, for instance asking for a statement for Jan, Feb, Mar etc 2000 and so on. If so perhaps this may help.

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I haven't actually received mine but they said it was absolutely no problem to order all 6 years worth, I spoke to two different men today and they were both really helpful, makes me worry, I think I must have a suspicious mind. :lol:

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Hurrah! I received my statements this morning, in 33 envelopes, poor postman :( I have painstakingly highlighted all charges and am about to add them up, can't wait. I am wondering whether it will add strength to my case if the charges I incurred before they gave me a £1500 overdraft add up to somewhere in the region of £1500! That would be interesting!

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Sorry if this has been covered before but I have checked FAQs and a lot of the posts and can't find the answer. Right here we go. In the What I Require paragraph it states I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX Do you have to enter separate amounts or can it just be a total only I am having a nightmare trying to work out what the charges are for as on my statements they have often put down Charges as notified £56 for example and I am not sure how to split them. Thanks to anyone who can help on this. :?

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  • 2 weeks later...

I've posted my letter before action today. I did receive a reply to my preliminary letter, it was the usual "sorry to hear...blah blah" signed by my branch manager. I am interested to see how far they'll go. By the way just a quick question, I hope someone can advise, on my statements I have £30 for a paid amount, £39 for an unpaid one and £28 for going £30 over my overdraft. Firstly, am I correct in thinking that I can claim for all of these amounts, only I was reading through the FAQs today and I noticed in the step by step thread something like "that after all you are not claiming the interest on your overdraft" is the £28 noted above classed as the interest? Secondly on many of my statements the bank have lumped all the charges for one month together in one instance £207 how can I, and do I need to, separate these amounts for the court? Also I realise that this wasn't such a "quick" question after all sorry!! :oops:

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I am claiming £3567. I had a phone call today offering in the first instance £512 as repayment of this years charges, I accepted but said I would still pursue full refund. At this the offer was taken back, but then, as I have been a customer for so long and as a "goodwill gesture" I was offered £1100, again I accepted but said that I would still be pursuing full refund. This offer was also withdrawn and I was told that I will need to take legal action or contact the financial ombudsman. I await the next move with bated breath. Oh and the man said that in his opinion £39 per letter is a reasonable charge and a true reflection of their costs!!!

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  • 6 months later...

What happened with your last claim?

Halifax

S.A.R - (Subject Access Request) request sent - 14th September

Non-compliance letter- 26th October

Prelim sent-3rd November

LBA sent - 21st November

Settlement rejection offer sent- 28th November

N1 form filed 8th December

PAID IN FULL:D

Barclays

S.A.R - (Subject Access Request) request sent - 26th October

Barclays Acknowledged letter and sent back P.O - 1st November

Barclays sent out statement. Jan-Mar 01 is missing.

Letter for missing statements sent 14th Nov

Barclays sent letter claiming microfiche data

Letter sent back claiming data again 28th November

Non compliance letter sent 8th Dec

Prelim sent-18th January.

LBA sent Pending

Moneyclaim made-Pending

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I believe you can claim again on charges since the settlement, provided you didn't sign anything from them saying otherwise...

Regards

 

 

S

 

 

Halifax PLC - £607 - SETTLED IN FULL

Halifax Card Services - £1142 - SETTLED IN FULL

 

MBNA Europe - £842 - SETTLED IN FULL + INTEREST!

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Oh Congrats!!

Halifax

S.A.R - (Subject Access Request) request sent - 14th September

Non-compliance letter- 26th October

Prelim sent-3rd November

LBA sent - 21st November

Settlement rejection offer sent- 28th November

N1 form filed 8th December

PAID IN FULL:D

Barclays

S.A.R - (Subject Access Request) request sent - 26th October

Barclays Acknowledged letter and sent back P.O - 1st November

Barclays sent out statement. Jan-Mar 01 is missing.

Letter for missing statements sent 14th Nov

Barclays sent letter claiming microfiche data

Letter sent back claiming data again 28th November

Non compliance letter sent 8th Dec

Prelim sent-18th January.

LBA sent Pending

Moneyclaim made-Pending

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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