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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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sf vs HSBC +*+* WON +*+*


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well i dont know what you're saying as all those words are far too big ;)

but i do wish you the greatest luck in your newest endeavour, and hope that the eventual outcome is completely satisfactory :D

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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you obviousley have internet access so why not get the details online. click onm my accounts then choose one of your accounts (if you have more than one) then click on my statements all 6 years are there (IF YOU HAVE BEEN WITH THEM FOR 6 OR MORE YEARS)

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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you obviousley have internet access so why not get the details online. click onm my accounts then choose one of your accounts (if you have more than one) then click on my statements all 6 years are there (IF YOU HAVE BEEN WITH THEM FOR 6 OR MORE YEARS)

 

D'oh! I didn't know you could do that! Thanks.

 

Incidentally, I included a cheque for the £10, made payable to HSBC. I get the impression others included cash. Will they just reply after 39 days telling me the cheque should have been made payable to "HSBC Plc" or some such nonsense.

 

I would still like a written response from them for the "manual intervention" bit. At least I can use the on-line facility to find out how much money is involved.

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they will probably return the chq as they havn't been charging just lately and dont forget you dont have to wait the 40 days if you get the info online as you havent got to the stage of asking for your money back yet

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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Just received the standard response from Ian Shepherd re: manual intervention. Already calculated charges from on-line statements so onward...

 

Progress:

1. 18/07/2006 Subject Access Request letter sent recorded delivery.

2. 26/07/2006 Received response.

3. 27/07/2006 Send Preliminary Approach for Repayment.

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Good luck Stephen and keep us informed.

Barney2002 - If you want to see how I got my money back, click http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11376-barney2002-hsbc-round-one.html.

 

HSBC

15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!!

OTHERS

04/08 - Conf rec'd from Capital One - sending statements

07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282

10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437

10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.

 

If any advice I give is helpful then please hit the scales - Top Right. Thank you.

 

** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **

 

Visit my site for the full range of Hand Forged Beds at

www.classicsiniron.co.uk

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  • 2 weeks later...

Humph. Sent my Prelim letter on 27th July recorded delivery. It still hasn't arrived.

 

Anyone come across this? Presumably if it had been refused for some reason, it would have been returned?

 

It's not officially 'lost' until Monday.

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I would send it again. Just to make sure.

Barney2002 - If you want to see how I got my money back, click http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11376-barney2002-hsbc-round-one.html.

 

HSBC

15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!!

OTHERS

04/08 - Conf rec'd from Capital One - sending statements

07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282

10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437

10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.

 

If any advice I give is helpful then please hit the scales - Top Right. Thank you.

 

** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **

 

Visit my site for the full range of Hand Forged Beds at

www.classicsiniron.co.uk

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Well, looks like it did arrive. However...

I am claiming for two accounts. I have received an offer of a few quid short of the claim on one account.

Do they normally separate the accounts? Should I expect another letter in the next few days with the offer on the other account?

I obviously don't want to return this as full and final settlement when there's a few hundred quid on the other claim.

 

Progress:

1. 18/07/2006 Subject Access Request letter sent recorded delivery.

2. 26/07/2006 Received response.

3. 27/07/2006 Sent Preliminary Approach for Repayment (recorded).

4. 16/08/2006 Receive offer worth approx. claim on 1 account (of 2).

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  • 1 month later...

I waited patiently for the 'full' offer to arrive. It never did.

 

MCOL filed on 19th. It still says 'start'. I'm assuming I don't need to do anything with this until HSBC respond or 14 days expires without contact?

 

Progress:

1. 18/07/2006 Subject Access Request letter sent recorded delivery.

2. 26/07/2006 Received response.

3. 27/07/2006 Sent Preliminary Approach for Repayment (recorded).

4. 16/08/2006 Receive offer worth approx. claim on 1 account (of 2).

5. 19/09/2006 MCOL filed.

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Offer arrived this morning. Exactly what I thought it would be.

Unfortunately it was 2 days too late. Had this arrived before I started the MCOL I would have accepted (and pretty much told them that about a month ago) but now I'm a further £80 out of pocket.

 

P.S. Does interest get included if (when) the MCOL claim is succesful, or is that a seperate part of the negotiation?

 

Progress:

1. 18/07/2006 Subject Access Request letter sent recorded delivery.

2. 26/07/2006 Received response.

3. 27/07/2006 Sent Preliminary Approach for Repayment (recorded).

4. 16/08/2006 Receive offer worth approx. claim on 1 account (of 2).

5. 19/09/2006 MCOL filed.

6. 21/09/2006 Offer arrived (too late, MCOL started).

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  • 1 month later...

Finished.

 

Progress:

1. 18/07/2006 Subject Access Request letter sent recorded delivery.

2. 26/07/2006 Received response.

3. 27/07/2006 Sent Preliminary Approach for Repayment (recorded).

4. 16/08/2006 Receive offer worth approx. claim on 1 account (of 2).

5. 19/09/2006 MCOL filed.

6. 21/09/2006 Offer arrived (too late, MCOL started).

7. 18/10/2006 Offer arrived. Acceptable.

8. 19/10/2006 Offer accepted (full & final signed)

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