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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
        • Like

Halifax draft letter - HARDSHIP **SUCCESS**


samus82
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Hi everyone,

 

First time poster here, but great site! I spoke to my bank regarding financial hardship and requested an evaluation. They sent me a financial statement to fill in and return, so I decided I will send it back including this letter. I would appreciate any observations and suggestions for improving it.

 

Many Thanks

 

 

Dear Sir or Madam,

 

Re. Your reference XXXXXXXX

Roll Number: D/XXXXXXXX & D/XXXXXXXX

 

Thank you for your letter dated 08/01/09

 

I appreciate that the legal case regarding bank fees is still in progress and that at present there is a stay in place preventing consumers to seek compensation until a verdict has been reached. But as you have also mentioned in your letter, the stay can be removed due to financial hardship. I have contacted the FSA and feel I qualify for financial hardship due to my circumstances.

 

I am a full-time student and as such I am not currently working. I am supported by a loan from the LEA but as you can see from my financial statement it does not meet the most basic of my requirements. Whilst I am currently seeking employment it is proving difficult considering the current financial climate. Even if I am successful in achieving employment, it will be a long time before I can consider myself in a safe financial position. As you can see from the current balance in my current account, I do not have enough money to meet next month’s rent demands (February) and will have to seek a short-term loan to compensate, the interest (2331% - Wonga) of which will further negatively influence my financial position. This is currently the only method of financial support I am eligible for due to my weak credit history.

 

I have enclosed a completed financial statement at your request. As I have mentioned previously, you can see my income does not cover my priority expenses. I have not included any luxuries in this statement. I have also included information of 2 large non-priority debts. Whilst they are non-priority, I have to begin making payments towards them in the near future to avoid legal proceedings.

Therefore I request you pay all the default charges that have been applied to my accounts from the date of their creation. From the records you have sent to me I have concluded the following:

 

The charges total at:

 

D/XXXXXXXX - £687.00

 

D/XXXXXXXX - £?

 

I also request the charges that are due to be removed from my account D/XXXXXXXX on 01/01/09 and 02/01/09. The total of these charges is £56.00. The cancellation of these charges would also be acceptable. I also request the return or cancellation of any fees due to affect my account D/XXXXXXXX.

I look forward to a response to this letter within 14 days.

 

Yours Sincerely,

Edited by samus82
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  • 2 months later...

Well after 3 letters and 5 months of worth of waiting I finally had my answer today and they have accept my hardship plea and offered me the full amount I am owed :D.

 

I can't tell you how happy I am, the relief and excitement is amazing. I encourage anyone who is still waiting to keep fighting, trust me, its worth it!

 

Many thanks to the team here and all the users, the information has been extremely helpful. Chalk another win up for the small guys!

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Yeah of course. I'd be more than happy to share my process with you all.

 

My main advice would be to have complete confidence when you are talking with them. I took everything on this website as fact, even when the bank didn't, if you stand your ground, they will cave in.

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Well done, great result. .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi there,

I am very happy for you!! Well done!

 

I am a step behind but stil waiting for Halifax to reply.

Did they ask you anything else??

 

They did send me the form to compleate together with the financial statement which I did and they said that it will be reply within 4 weeks from the day they will receive my Financial Statement.

Was there any letter that you have sent after???

Regards,

DD

 

 

 

Hi everyone,

 

First time poster here, but great site! I spoke to my bank regarding financial hardship and requested an evaluation. They sent me a financial statement to fill in and return, so I decided I will send it back including this letter. I would appreciate any observations and suggestions for improving it.

 

Many Thanks

 

 

Dear Sir or Madam,

 

Re. Your reference XXXXXXXX

Roll Number: D/XXXXXXXX & D/XXXXXXXX

 

Thank you for your letter dated 08/01/09

 

I appreciate that the legal case regarding bank fees is still in progress and that at present there is a stay in place preventing consumers to seek compensation until a verdict has been reached. But as you have also mentioned in your letter, the stay can be removed due to financial hardship. I have contacted the FSA and feel I qualify for financial hardship due to my circumstances.

 

I am a full-time student and as such I am not currently working. I am supported by a loan from the LEA but as you can see from my financial statement it does not meet the most basic of my requirements. Whilst I am currently seeking employment it is proving difficult considering the current financial climate. Even if I am successful in achieving employment, it will be a long time before I can consider myself in a safe financial position. As you can see from the current balance in my current account, I do not have enough money to meet next month’s rent demands (February) and will have to seek a short-term loan to compensate, the interest (2331% - Wonga) of which will further negatively influence my financial position. This is currently the only method of financial support I am eligible for due to my weak credit history.

 

I have enclosed a completed financial statement at your request. As I have mentioned previously, you can see my income does not cover my priority expenses. I have not included any luxuries in this statement. I have also included information of 2 large non-priority debts. Whilst they are non-priority, I have to begin making payments towards them in the near future to avoid legal proceedings.

Therefore I request you pay all the default charges that have been applied to my accounts from the date of their creation. From the records you have sent to me I have concluded the following:

 

The charges total at:

 

D/XXXXXXXX - £687.00

 

D/XXXXXXXX - £?

 

I also request the charges that are due to be removed from my account D/XXXXXXXX on 01/01/09 and 02/01/09. The total of these charges is £56.00. The cancellation of these charges would also be acceptable. I also request the return or cancellation of any fees due to affect my account D/XXXXXXXX.

I look forward to a response to this letter within 14 days.

 

Yours Sincerely,

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Yeah basically what they said was they didn't see how I could be in arrears with my out goings. My financial statement was filled in correctly, but I guess they were just stalling for time and testing my resolve.

 

I sent back a letter saying there was no error with my financial statement and I explained each figure on the statement with a seperate paragraph.

 

I think overall I only actually had to send 2 letters but I probably called them about 5 times.

 

I hope you find the information useful and let me know if there is anything else I can do to help.

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Hi Samus82,

Thank you for your reply.

As I rely on means tested benefit(JOB SEEKERS) it will be probably a quiker respond from them which I doubt...but miracle do happen.

Your letter is been drafted very well and I will have to have a look again. What I have sent them was a copy of Martins money one under the hardship templates.

It looked very good to me and only at a later date I have discovered this site. I am realy happy to see that people are united no matter what....

Anyway at the moment I am still fighting Halifax with 2 other credit cards.

I will not give up whatever they do until they pay back what it did not belong to them to start with.

If you have any difficulty in accessing the Martins money site let me know. I have subscribed to his site as he will keep you informed with lots of cheap deals....Have a look. It seems great to me.

Regards,

DD

 

 

 

Yeah basically what they said was they didn't see how I could be in arrears with my out goings. My financial statement was filled in correctly, but I guess they were just stalling for time and testing my resolve.

 

I sent back a letter saying there was no error with my financial statement and I explained each figure on the statement with a seperate paragraph.

 

 

I think overall I only actually had to send 2 letters but I probably called them about 5 times.

 

I hope you find the information useful and let me know if there is anything else I can do to help.

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Well done. This is excellent news. :D

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Great hearing some success well done! Not really my place but hey someone should say it that i hope you will make a donation to the site? Hope im not speaking out of place here? But you guys do a great job for nowt;) Well done again!

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