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    • It is essential that you find out where the car is.  It is also essential to find out whether what you signed was an authorisation What precisely it was that you authorised.  I expect it was an authorisation and it certainly is going to be a big problem that you didn't read what you signed.  However you must find out and you must do it as quickly as possible.  If necessary start telephoning people but read our customer services guide first.  But then render everything in writing  
    • There are 19 documents received from SARS request, spread out over 2 messages too big to put all on one. I have also received the Notification of allocation to the small claims track hearing for beginning nov 2024 SAR Info provided 150124 by Dcblegal-11.pdf SAR Info provided 150124 by Dcblegal-12.pdf SAR Info provided 150124 by Dcblegal-13.pdf SAR Info provided 150124 by Dcblegal-14.pdf SAR Info provided 150124 by Dcblegal-15.pdf SAR Info provided 150124 by Dcblegal-16.pdf
    • 050124 DcbLegal-1_1.pdf 050124 DcbLegal-2_1.pdf 121223 DCbLegal_1.pdf SAR Info provided 150124 by Dcblegal-1.pdf SAR Info provided 150124 by Dcblegal-2.pdf SAR Info provided 150124 by Dcblegal-3.pdf SAR Info provided 150124 by Dcblegal-4.pdf SAR Info provided 150124 by Dcblegal-5.pdf SAR Info provided 150124 by Dcblegal-6.pdf SAR Info provided 150124 by Dcblegal-7.pdf SAR Info provided 150124 by Dcblegal-8.pdf SAR Info provided 150124 by Dcblegal-9.pdf SAR Info provided 150124 by Dcblegal-10.pdf
    • From the Law Gazette. Paula Vennells had faith in her lawyers - and threw them under the bus. Post Office Inquiry: Paula Vennells trusted her lawyers and then threw them under the bus | Law Gazette WWW.LAWGAZETTE.CO.UK If we are to believe the former chief executive, she was simply too trusting of her general counsel.  
    • Thank you dx. Not very nice reading, but I have learnt a bit, I will need to go over some of them again later.  Something I picked up from those posts are Auxillis use of tick boxes and electronic signatures.   I need to find out what the tow truck driver made me sign for.  He put the car on the trailer and locked it down, then got a phone in a big protective case out and just handed it to me. I didn't even think what I was signing, I presumed it was related to the condition of the car on retrieval from the ditch and their collection and assumption of responsibility for the insurance company.    unclebulgaria67, I struggle to easily write concise, to the point posts.  I thought that my initial post was already too long and wordy so tried to keep it brief and to the point. I didn't write every moment of the accident the way I told the police or insurers because most of it would be a waste of your time as my innocence is not my concern. The other party fled the scene.  My immediate concern is my car being taken without consent, stored where it will accrue charges, get treated in any manner of ways because they assume its getting written off and dont need to look after it and then possibly taken to a car auction site where I will have to pay additional fees to get it back if it is declared a write off. I am also in increasing amounts of pain in my lower back and neck and ever increasing sense of injustice and foreboding.    I do not see how my original post could go 50/50 personally, but I am reading my words with the images I have in my head, so have taken your warning on board and will make sure I don't mess up on any other documents.    So as far as I know someone from Vizion who have been hired by Auxillis is going to assess my vehicle at some point in the future.  The form I filled in for Vizion said that an approved assessor would attend my house to assess if the car is worthy of being repaired.  My car is not at my house, why the discrepancy? I agree that it is likely that they are not going to want to repair my car, I think it is worth it, I know what I have done to keep it sound, but market value and the astronomical cost of repairs...  Which is why I am worried that my car has been pulled in to a scam against my consent. How much is it going to cost me to get it back when it could be sitting on my drive.  It is just being used to charge someone storage, then will go to copart and they will charge someone storage, then they will charge me a release fee and I will have to find a way to get it back to my house which will cost more money.  All when I repeatedly requested that the car be taken off the truck when it was outside my house.    I have advised Auxillis that I repeatedly requested my car be taken off the tow truck outside my house and was not listened to.  I stated that I was left feeling that my car had been taken without my consent and was not provided a valid reason for them keeping the car.  I want to know where my car is, why it is there and would like it brought back to my house to await their assessor who already thinks the car is at my house.  Sorry bankfodder i forgot to ask who authorised it, but i will ask. 
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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 
        • 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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Hi All..taking on MBNA here.......................


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Hi

I joined the forum on 16th July, and sent the DPA letter to MBNA the same day.. I am still waiting for any sort of reply !

I'll keep you posted..they owe me a lot of money.

I fell seriously ill 4 years ago.. they informed me my payment protection (that I had been paying £19 a month for for 2 years was wortless because I was on contracted employment!)

The upshot being they charged me late payment fees, over limit fees and the works each and every month I was in hospital and unable to work..which put payments out off my reach..it just escalated..usual story I guess :sad:

Can anyone point me in the direction of where to go next if I don't hear from them witihn the 40 days ?

 

Cheers! Robert ;)

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Hi there and welcome!

 

16th of July huh!! You are keen to get results! Only kidding!:D

 

You can telephone to chase up DPAs, I did with my claim against NW and it worked v well. But otherwise you will have to be patient. There are procedures to follow IF they dont respond within 40 days, you can read about that in the templates section and the FAQs. Its worth spending at least 2-3 days REALLY reading as much as you can, you'll feel much more confident and certain of the process.

Look on the MBNA forum and post a thread to let everyone know how you are doing.

BTW My sister had 2 yrs worth of payment protection refunded by LLoyds. Did they mis sell it to you?

Good luck

kate

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Can you please start your own thread in the MBNA forum Robert this is just a welcome to newbies page

Thanks

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Hi, Just wanted to let you know that I used the template letter on here to claim back charges imposed by Virgin(MBNA) on my credit card. Within a month of me sending the initial letter they refunded me £330.00!! I was so chuffed as I had only asked for £250.00!! :p

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