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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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Leppo V Halifax ***SETTLED IN FULL***


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Hi,

 

I'm going to send my letter to the Halifax asking for details of charges or statements but i just want to ask a question first!

I have 2 accounts and also a credit card, can i ask for details of all of these in one claim or should i keep the credit card seperate from the 2 bank accounts?:-|

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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I am just about to submit my moneyclaim to the halifax on two accounts as the charges on both of them don't amount to more than £5,000, which I believe is the figure your advised to keep to so it stays within the small claims, guess it depends on how much your re-claiming. Think I might be inclined to keep the credit card separate. Hope thats of some use to you. Good luck

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Cheers for that, the 2 accounts shouldn't come to more than £5k (I HOPE):shock: so will combine these and prob keep the card seperate as you suggest as i know this is only a low figure, and save this for a later date!!;)

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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I'm feeleing the same way but got to the point where i think sod em!! It's my money after all!

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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I have just started to fill in the S.A.R - (Subject Access Request) template and notice that it asks for a complete list of all transaction relating to my banking history, but as i have had my account for over 20 years this would be a hell of alot of paper!! :o I think it's right i can only claim for the last six years of charges so should i ammend this letter to ask for those records only?

 

Oh, and one more thing, who is the £10 chq payable to, the Halifax?

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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Hey leppo,

You can only claim for the last 6 years. I asked for all statements from July 2000(joined this site in June) This was 189 pages!!

 

Yes make your cheque out to the Halifax

 

Good Luck

nona

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Thanks for that, Letter going out later today, Let battle commence!!:D

 

I'll keep posting as i go on to keep everyone informed.

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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  • 4 weeks later...

Hi all, just a little update for you.

 

I have received some statements from the Halifax 22 days after sending out SAR. There seems to be one month missing from one account and no statements at all from my other account i was claiming for?

 

Do i just leave this untill the 40 days are up and then report them or should i send them a gentle reminder that not all statements have been received and they only have 18 days to reply?

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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I have just been starting to fill out spreaedsheet to work out the overdraft interest i have been charged, but it asks for your agreed free overdraft limit. As I am going back six years this limit has changed over the years and the statements do not detail this figure. Does this mean i am stuck as to working out this figure and should just claim for "charges as notified" or is there something i can do?:confused:

 

This gets more and more confusing the further i get:| but after trawling though 269 pages of statements and finding out they have taken £1654.00 (not allowing for statements missing as per last post) I am determined to continue and get back whats mine!!:x

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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The remaining statements from one accounc tturned up today but still none from other account. Still awaiting response from some1 in the know as to what to do regarding my previous two posts?:?

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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Guest Niklowe

1st account.

 

If you are missing some statements. then maybe the best way is to make an estimate of the charges incurred for that period, and add it in. If the bank can't suply you with the info then they will have to in the future, to be able to contest your claim. If so you can ammend your claim.

 

2nd account.

 

Your Data Protection Act request would require them to supply all personal info. If they haven't supplied it, within the 40 day period, then they are in breach of the DPA.

I would send them a polte reminder of this fact.

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Thanks for the info, remaining statements have now turned up for 1st account but nothing at all for 2nd account as yet. Will send them a gentle reminder about this.

 

Don't suppose you know anything about my previous post regarding interest on overdreaft charges?

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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Interest can be tricky, especially if the statements do not differentiate between standard overdraft interest, and interest caused by charges or exceeding fess etc. If you are unable to work it out, I would advise leaving it. Some of the more advanced spreadsheets do try, but it depends how far you want to push that one issue.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks for the reply jonni, to be honest i think in my own mind i had decided to leave it and just go for the charges and the 8% interest when it come time to file my claim. Thats if i get the remaining statements i'm waiting for!

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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Remaining statements turned up this morning via recorded delivery after my little prompt that the 40 days allowed ended on Monday!!

 

I will work out all the charges over the weekend with an aim of sending of my prelim letter on Monday. Guess this is now the interesting part!!:|

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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  • 2 weeks later...

Latest update, I have been busy at work and home so have not had the time to sort everything out and i have also been waiting for a couple more "charges as notified" to appear on my statements. I have now scheduled out all my charges so letter will be going of today if someone could just answer me one quick question? I have had a letter stating that i am over my overdraft and will be charged £28.00, and this will be taken out of my account on 31st October. can i include this as it has not gone out yet although i know it is going to or not?

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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Its going to be a month before you can file your claim (14 days for preliminary 14 days for LBA letter) so start now then when you have the next charge ammend your schedule to include it and send that off to the Halifax and include it in your claim for the court

:) 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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Never thought about doing it that way, cheers!!

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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Prelim letter sent recorded delivery this morning, lets wait and see what comes back?

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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good luck probanly a 10% offer or no reply at all

:) 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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  • 3 weeks later...

Received a letter Saturday saying they are sorry to hear etc etc and will formally reply within 4 weeks. Never mind, 14 days are up and LBA posted earlier today!

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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Hi all,

 

Letter received from Halifax yesterday with all the usual, sorry..., sould manage your account better...., etc and an offer as a gesture of good will for full and final settlement of £704!:-|

 

Will write back later today saying thanyou very much, will accept this as partial payment only but will still be pursuing full ammount (which has gone up £28 by the way) and time runs out following LBA on 17th October.

 

I'll keep everyone informed as i go!!:)

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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  • 2 weeks later...

Hi all,

 

Latest update. Still no news back from Halifax other than offer which I wrote back saying I would accept only as partial settlement, and as there time is up I have just completed my claim on MCOL and been able to add a further £181.79 interest to the overall cost;)

 

Waiting to see what comes back from here.

 

:?: just a couple of questions though if any one can help. Within the particulars of claim it states that the defendant is aware, as a list of charges been claimed has been supplied and another copy will be sent. Do i have to write again to the Halifax and if so saying what?

I am going away tomorrrow evening for 10 days and am worried that if anything comes back and I have to reply within a certain time scale I will not be around to do so, is this likely?

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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  • 2 weeks later...

Hi all, back of my hols so am just updating everyone as to the latest situation.

 

Claim issued on 17th Octoer and halifax have aknowledged the service of this claim on 20th October stating that they inted to defend in full the claim, so this gives them 28 days to do so (17th November)

 

In the meantime I have two letters back, one thanking me for my letter, the other for my telephone call ( I have never phoned them!?) stating that they offered me full and final settlement of which I would only accept as partial settlement and that they would not be refunding the full ammount and stress future charges will stand and reserve the right to close my account if I do not manage it correctly. ( I reserve the right to open another account elsewhere and close this one when charges have been returned!)

 

Speak soon!

Halifax - S.A.R - (Subject Access Request) sent 25-07-06

Some, but not all statements received 16-08-06

Some more statements received 25-08-06 but not all!!, gentle reminder sent 29-08-06 saying they have until 04-09-06 to comply

Remaining statements turned up 02-09-06, just in time!!

Prelim letter sent 16-09-06 (£2035.00)

LBA sent 02-10-06

MCOL completed 16-10-06 total now £2364.79:p

SETTLED IN FULL 28-10-06:D

 

Studio - S.A.R - (Subject Access Request) emailed 25-07-06

trading stement received 03-08-06

Prelim letter sent 22-08-06 (£209.90)

SETTLED IN FULL 13-09-06!!!!!:D

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