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    • I have had a pre "warning" from TM Legal regarding 2 old debts stating they are going to send a claim form in email. I was sent a PAP form which i responded to on both but like a melt i sent their PAP pack back to them in my request for CCA etc using the CAG response form. I have not to my knowledge received a response for either. my question is, will sending their pack back cause me issues in the future? can I request they send this back to me?
    • Your consumer rights within six months If a product develops a fault within the first six months after purchase, it’s assumed it has been there since the time of purchase. This means it’s up to the retailer to prove it wasn’t there when you bought it. If a repair or replacement has failed, you have the right to reject the goods for a full refund or price reduction. Your consumer rights after six months If a fault develops after six months, it’s up to you to prove it was faulty at the time of purchase or delivery.   .
    • Thank Dx , Im guessing its a waiting game for now .
    • Hey Fkofile , Im one of those that have been affected by it ! i made a post about it . my credit score has already been affected by it .
    • We initially raised a complaint with the finance company who told us that as its over 6 months the consumer rights act won’t apply and we would need to provide evidence of the problem being there at purchase. As we have only just got the report from Mercedes we haven’t been able to submit this within their 14 day timeframe. Is this not the case then? Thanks
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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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philo v HSBC


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I've just started the process of claiming back my £844.50 worth of charges with an additional £39.73 in overdraft charge interest. I'm using printed off online bank statements. Nearly all the charges are "Total Charges", (all the earlier ones are about £27.50), apart from one which is a "Charge" for £7.50, have no idea what it could be for, but it seems excessive so I'll claim it back ;) .

Having read a few threads concerning interest, I was a bit concerned about including it in case I made a mistake which the bank may exploit, but it seems that on the same day they charged me, they also took out interest which is the figure I entered into the spreadsheet. This seems too easy to me, am I doing something wrong?

 

Anyway, prelim letter tonight, post in the morning :) .

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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hello, welcome to the site. if you read the sticky post at the top of the forum regarding charges on statements, in there is a detailed description of the interest ad how to calculate it

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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  • 3 weeks later...

Hi All

 

Just received a response from someone who signed the letter for Colin Langdale (probably too busy with a backlog to sign the letter himself :D ). Usual standard stuff and an offering of £675.00 of a £894.46 claim. They totally ignored my interest claim of £39.96, just acknowledged the charges of £844.50!

 

Anyway, pressing forward with the full claim ;) .

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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I've been back and forth this site for weeks now, so I seem to be picking up stuff by osmosis :).

 

Thanks to everybody's threads here, I've become very confident in my ability to handle the banks, something I've never previously felt.

 

Strange thing is, everyone I've told about this site and the reason behind it, doesn't seem as enthusiastic as me. They must think that a) I'm lying b) I haven't got a chance of winning c) It doesn't concern them 'coz they haven't ever had an overdraft charge :roll: .

 

Baffling!

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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BTW rdm, great step by step guide. Easy to follow - should be a sticky I think!

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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  • 3 weeks later...

Time for me to file with MCOL, I've already delayed by a week (actually forgot :oops: ).

I've another "pending" charge of £19 due in 2 weeks for being oberdrawn by £19 for 1 day!! I'm angry at this and would like to add this to the amount owed but as it hasn't actually been debited yet, then it is not a justified claim on MCOL. I'm tempted to wait another 2 weeks before filing, just so I could include it :| .

 

Could someone clarify for me please, when filling in relevant MCOL entry, and using the following template. Am I right in assuming the "amount of charges claimed" include the interest on those charges?

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years.

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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Aha

 

Had another letter today, this time from Colin Langsdale offering me £844.50 as a final offer etc. That's the second "final offer" I've had so far hehe. I haven't even filed with MCOL yet.

 

Not sure whether to take it though, it's only 40 quid ish of my claim and the money would have a happier home with me now rather than later. Then again, it is ALL mine and I could also squeeze an extra 8% interest out of the bank if it went further.

 

Hmm...decisions, decisions..........

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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Well...I accepted the final offer of £844 which is just £40 less than I requested (it was the interest which they were adamant was justified), and sent off the signed letter. Had my bank account credited 2 days ago with the agreed amount.

 

Success!!!

 

I hope everybody has it as easy as me. I've already had £40 "charges" deducted from my account since my action began, so I'll probably go through this again.

 

Bring it on!!!:cool:

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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