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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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davg V clydesdale


davg
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Hi everyone, my name is David and have just got the ball rolling and sent the Data Protection Act letter dated 15th July requesting statements going back five years. Have been waiting to take these ******'s on for years and am ready for a fight. I will keep you all posted on my progress as I have been glued to the threads for the past couple of weeks (quality stuff) reading up on your own battles. Any help and advice would be much appreciated.

 

Cheers David

 

 

 

 

[MOD - POSSIBLE LIBELLIOUS COMMENT - JMIO]

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Hello davg. Clydesdale were proving to be quite difficult about about sending statements under the DPA, but since getting a kicking from the Information commissioner they seem to be behaving in that respect now. Having breached the DPA defence a good number of people are now going after them very aggresively (including at least three of the Moderators of The Consumer Action Group!).

 

you can expect Clydesdale to be quite stroppy about the whole thing, which will make getting your dosh back all the sweeter...:grin:

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Hiya David, welcome aboard!

 

Keep us posted

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Hello again, received a DPA request aknowlegement letter from Fiona Findlay of Customer Support to say they have 40 days to provide me with my statements for the last five years. Hopefully they will come soon. Can't wait to get the highlighter out on these babies as they have took a small fortune from me over the years.

It's great that we've now got a chance to stand up to these bully boy tactics...let battle commence.

 

davg

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Hi everyone, received my statements yesterday, that was quick ! I have went through them and am going for around £1500.00 between my current account and mastercard. Probably split it into two claims of £750. Prelim letter will be winging it's way on monday. Prepared for the usual fob off's though. Might need to ask about service charges in later posts (can't make my mind up about a few of the charges). Will have another read through some other threads and go over the FAQ's again.

 

Good luck with your claim George, go for it.

 

Cheers davg

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  • 2 weeks later...

Hello again, after going through my statements I am still a little unsure about claiming for service charges. I'm in the middle of doing my schedule of charges to go with my preliminary letter and don't know if the £22.50 charge the folowing month for being over my overdraft limit counts as I have one of those after every irregular fee or unpaid s/o, sorry if this sounds daft but after reading the FAQ on this I'm still a bit confused.

I do know that in the terms and conditions of your agreement that you do pay for having an overdraft facility but not £22.50 a month, morelike £8.50 or £10.00 depending how much over £100 it is.

It's just that my account is a bog standard current account with no perks attatched.

Any advice would be much appreciated.

 

thanks davg

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Hi davg im also with Clydesdale and i sent my prelim letter away today and that included the £22.50 service charges and the interest payments taken every month, usuallually under £6 but there charges put me there, claim it all m8, keep in touch as we aree at the same stage now,gl.

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  • 3 weeks later...

Hello again, quick update.

Received a letter from my branch manager at clydesdale saying he would need to investigate the points raised in prelim letter then one week later got the fob off letter I was expecting refusing to refund the charges.

 

I will now send LBA giving them 14 days to respond positively, fat chance.

 

Can anyone tell me if I should send LBA to customer relations as well as my branch manager ?

 

Cheers, and good luck everyone !

 

davg

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Hi Davg, What i can tell you is that I have sent all correspondence to customer relations in Glasgow, including my LBA and they replied by saying they had been passed this letter addressed to my local branch for there attention, bullxxxx i sent it to them direct as local branches forward them anyway. You will prob get what i got, they said they require 28 days to reopen the complaint and reach a satisfactory conclusion over it. I DONT THINK SO. They had prelim giving 14 days and replied saying NO, now have the LBA on there desk and the 14 days runs out tomm (Tues) be at the court Wed , very latest by end of week, unless they pay up first. GL Davg, not that u need it, keep me posted.

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Hi George, thanks for that. I will probably send the two letters anyway hopefully getting a quick response so I can get my claim started.

 

Looks like there's a pattern emerging with the Clydesdale and Yorkshire, I think they want to see how serious we all are about going to court and wether we all have the bottle to go through with an appearance if they defend.

 

To be honest I will still be sh*****g myself to go to court but the worst that could happen is you lose £39, so I will definately be going for it, my 9 month old twins and 3 year old will get a special xmas this year if all goes to plan. :)

 

Keep me posted on your progress.

 

Cheers davg

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  • 4 weeks later...

Hello again, LBA's were sent two weeks ago and got a reply from the lovely Hilary saying needing more time to investigate...sorry cannae do that. File the papers on Friday afternoon at local court...bring it on !

 

good luck everyone

 

davg

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Welcome to the club Davg, they done exactly the same with me asked for a further 28 days, gave them no more time than i needed to, court claim put in 2 weeks ago, heard nothing as of yet from anyone!!!! I honestly believe if you gave them 28 days you still wouldnt hear a thing, its a stalling tactic i think, gl m8.

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