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    • If you are buying a used car – you need to read this survival guide.
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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 
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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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HSBC CCA Non Compliance


lee32uk
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Nice edit Lee :D I'm so glad that my letters get used :).

 

As Johnny says they should not be reporting information about an account in dispute, if its disputed its not accurate.

 

When they did this to me I did write to the CRA's, only Experian replied, they did flag up my dispute in my credit file but its not obvious, I would have missed it if I hadn't been told it was there :cool:.

 

Still anything is better than nothing, if your dispute runs the same as mine did you should eventualy get a "we are right... but in this instance" letter and the default removed :).

 

pete

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Nice edit Lee :grin: I'm so glad that my letters get used :-).

 

 

That's because they're still relevant pete ..... and they don't pull any punches....... I've got a few of your gems in my CAG folder..... :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

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Thanks guys :D

 

Posted today by rec del, so lets see what happens :)

 

Hopefully I will get a better responce than last time when they ignored my letter :rolleyes:

 

Don't seem to be having much luck with Banks lately.Just found out tonight that my Alliance + Leicester visa debit card has been cloned.Have to wait for the Fraud dept to ring me back on Mon, and I won't have a new card for a week at least :(

 

It never rains.........

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Best of Luck , lee ...... you've worked for it ..... hope it goes well.:)

 

As for your cloned card - hopefully this is the last drama with your Banks ! :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 3 weeks later...

Well HSBC have until Wednesday to respond to the letter from post #149. In the meantime I have had another letter from MCS :rolleyes: They dont get the message do they :D

 

9sgf0j.jpg

 

I am going to send the following letter to MCS

Dear Sir/Madam,

 

REF: xxxxxxx

 

I am in receipt of your letter, dated 23rd September 2009, in which you claim I owe the sum of £xxxxx.

As you may or may not be aware, HSBC do not hold an agreement for the account in question, as it was destroyed sometine around 2003. I have proof in writing to back this up. I would also like to make you aware that destroying a document such as a credit agreement, whilst the account is still live, is a very serious offence, which is a breach of the money laundering regulations 2003. I am sure that HM Treasury would take a very dim view of the actions of HSBC, along with the Information Commissioners Office.

If you are stupid enough to ignore this letter and issue court proceedings against me then I will defend any claim with vigour.

I now suggest that you pass this account back to your neighbours HSBC.

 

Yours sincerely

 

 

 

Might need a bit of tweaking, but it should let them know I mean business :D

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Well HSBC have until Wednesday to respond to the letter from post #149. In the meantime I have had another letter from MCS :rolleyes: They dont get the message do they :D

 

9sgf0j.jpg

 

I am going to send the following letter to MCS

Dear Sir/Madam,

 

REF: xxxxxxx

 

I am in receipt of your letter, dated 23rd September 2009, in which you claim I owe the sum of £xxxxx.

As you may or may not be aware, HSBC do not hold an agreement for the account in question, as it was destroyed sometine around 2003. I have proof in writing to back this up. I would also like to make you aware that destroying a document such as a credit agreement, whilst the account is still live, is a very serious offence, which is a breach of the money laundering regulations 2003. I am sure that HM Treasury would take a very dim view of the actions of HSBC, along with the Information Commissioners Office.

If you are stupid enough to ignore this letter and issue court proceedings against me then I will defend any claim with vigour.

I now suggest that you pass this account back to your neighbours HSBC.

 

Yours sincerely

 

 

 

Might need a bit of tweaking, but it should let them know I mean business :D

 

 

Watch these liers & cheats Metropoliton is their inhouse monkeys DG Sol are in house solicitors if there is one there probably behind the next panel just a clerk I would not be surprised.

:mad2::-x:jaw::sad:
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Watch these liers & cheats Metropoliton is their inhouse monkeys DG Sol are in house solicitors if there is one there probably behind the next panel just a clerk I would not be surprised.

 

Monkeys are intelligent :D I think pond life is more apt :)

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lee32uk,

 

I have been reading your HSBC thread with much interest.

 

I have recently sent a CCA request to HSBC with regard to a personal loan which I took out in August 2004. The request expires on 12th October. It will be interesting to see if I get a reply, or they just query my signature!

 

I anticipate that I will encounter the same obstacles that you have had but at least you have "shown the way forward"!!!

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Hiya Monkey and welcome to the HSBC forum :D

 

We have found that HSBC generally use the same approach to everyone even with their particularly brainless responses :rolleyes: so your request should follow Lee's pretty much word for word :D.

 

I suggest you start your own thread so we can follow you and give you advise if and when you want/need it :) it also allows people following you to see what your doing when Lee is a bit further down the road and his thread is maybe getting a bit complicated :rolleyes:.

 

good luck

 

pete

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I'm hoping I don't get that letter, as my work has already been receiving about 5 calls a day from HSBC (I think they have settled down a bit now!), and obviously my employers got extremely irritated by this. Even though in my own situation I know I am right and they are very, very wrong, I would hate to get my work involved again!

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Hi Lucky

 

They (HSBC) would have to take you to Court to get an attachment of earnings. They can't just ring your employer up and say 'hi can you deduct 'x' amount from so and so's wages' :) If they are brave (Stupid?) enough to go to Court without an agreement then you should have a field day when quoting the money laundering regs :D

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Hiya Monkey and welcome to the HSBC forum :D

 

We have found that HSBC generally use the same approach to everyone even with their particularly brainless responses :rolleyes: so your request should follow Lee's pretty much word for word :D.

 

I suggest you start your own thread so we can follow you and give you advise if and when you want/need it :) it also allows people following you to see what your doing when Lee is a bit further down the road and his thread is maybe getting a bit complicated :rolleyes:.

 

good luck

 

pete

Thanx for the warm welcome Castlebest.

 

I will start my own thread.

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I'm hoping I don't get that letter, as my work has already been receiving about 5 calls a day from HSBC (I think they have settled down a bit now!), and obviously my employers got extremely irritated by this. Even though in my own situation I know I am right and they are very, very wrong, I would hate to get my work involved again!

Hi lucky13,

 

I think that HSBC are breaching the Data Protection Act by contacting your employers. I could be wrong on this however.

 

Might be worth making a complaint in the 1st instance to HSBC as I believe they are also breaching the Banking Code in a number of areas i.e confidentiality and "treating custmers sympathetically and fairly" and ask them to remove the telephone numbers, then try the banking ombudsman if they won't play ball.

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I'm hoping I don't get that letter, as my work has already been receiving about 5 calls a day from HSBC (I think they have settled down a bit now!), and obviously my employers got extremely irritated by this. Even though in my own situation I know I am right and they are very, very wrong, I would hate to get my work involved again!

 

Strange H.S.B.C. if told not to ring employment usualy stop ringing that No: have you by any chance told them to stop ringing your works, if You have send teleophone harrasment letter recorded delivery to them, with copy to Bank ombudsman pointing out the contact with your employer and work place I would suggest, wonder has anybody any other ideas.?????

:mad2::-x:jaw::sad:
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Have a look at this link .....

 

It tells you exactly what they're allowed and more particularly ..not allowed to do .......

 

Your Rights against Creditors from Debt Questions

 

Look at the part about 'communicating with the Debtor...... :)

 

A firm called Mckenzie Hall was hammered for breach of these regulations ..last year I think .

 

MACKENZIE HALL

SLAMMED BY OFT FOR CHASING DISPUTED ACCOUNTS

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/143695-would-like-reclaim-charges-2.html#post2139797

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 3 weeks later...

Hi lee - don't give up easily do they ..... maybe send them pete's blockbuster again .... just so you're seen to have replied ... and they know you still love 'em :rolleyes:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi Johnny

 

I was thinking of sending this letter. What do you think ?

 

 

Metropolitan collection services

56 St. James road

Edgbaston

Birmingham

B15 1JL

 

Dear Sir/Madam,

 

RE: xxxxxxx

 

I am in receipt of your letter dated 13th October 2009 in which you claim I owe the sum of £xxxxx to HSBC Bank. Unfortunately HSBC do not have a copy of the credit agreement, as it was destroyed sometime on or before 2003. I have proof of this in writing from HSBC. As you may or may not be aware, a Court does not have the power to enforce an agreement where one doesn’t exist. If you still wish to commence court proceedings at your expense please note that I will make it known to the Judge that HSBC have breached the money laundering regulations by destroying a current legal document. I am sure you don’t need me to tell you of the seriousness of this offence.

I now ask that this account be returned to zero, and that my credit file is marked as settled in full. Any attempt to blacken my credit file will be dealt with through the court.

 

Yours sincerely

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I think that should do nicely Lee ... :D Tells 'em exactly where you stand and what will happen if they play silly beggars ..

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Nice one lee:D

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