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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.

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      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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wewonitfivetimes v NatWest


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Hi guys

 

Just sent off my prelim letter claiming back over £450 in charges for a NatWest society account on behalf of my sunday football club.

Anything I need to do different here?? (am also claiming against Woolwich personally for over £1700 in charges!)

 

Thanks

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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:p scouser at all haha GET IN!:p

 

you should receive the standard letter from Mr Higley within a few days, get the lba sent back asap after that!!!

  • Confused 1

These claims are getting tougher and tougher, talk about dragging them out!!! :rolleyes:

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Yes, get your LBA letter ready to go and then start thinking about what to put on the Court papers. NatWest seem to be zipping along at the moment.

 

I sent my first letter 17th July, then an LBA, then issued a MCOL claim, and today (3rd August) NW have filed a defence. I don't know whether this speed is good or bad, but at least it will all be over with quicker!

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Thanks guys

Will get my LBA ready. Going away on 12th Aug and would like to know that things are happenin before then !!

Really appreciate the support.

Oh the mighty reds !!

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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So what does it actually mean when they file a defence? Is this good or bad? I dont want to get to that point because idont understand it all!!!

These claims are getting tougher and tougher, talk about dragging them out!!! :rolleyes:

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its not good when they file a defense but this is what they do, its rare that natwest pay before this point. It just means they are showing to defend the claim. They have so far always paid out before the court date.

  • Confused 1

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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So what does it actually mean when they file a defence? Is this good or bad? I dont want to get to that point because idont understand it all!!!

 

Well, in my case they filed a defence (said to the court they were going to dispute my claim) on Tuesday ........ and on the same day also wrote me a registered letter I was very pleased to receive. It's all over now!

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  • 1 month later...

Well here we go !!

Had me hols and now back ready to go!!

Finally had a reply from NatWest but only from branch. - total cock up with where they were sending stuff but anyway...

They have charged me £5 for my statements even though I did not request or need them !!!got that refunded straight away.!!now for the rest!

Had a letter back informing me that "They have had a response from Regional Office and they have declined to refund any fees as no error has occured"

Actually spoke to helpful member of staff who advised me to pursue it with the Customer Relations Manager and said that they had quite a few requests! recently!

LBA ready to go to HO with breakdown of charges (not showing 8%)- (this is correct isnt it ?

 

1-08-06

Request for refund letter sent - Total fees £459.12

24-08-06

"Looking into it" letter received

7-09-06

"Received Bog Off" letter from branch

14-09-06

LBA and breakdown sent

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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Yes, you are right

 

Your LBA should only include overdraft interest on your charges (if you can be bothered to work it out) :) .

 

Ned

  • Confused 1

*********************************

NatWest Advantage Premier Account

01-09-2006 - S.A.R - (Subject Access Request) sent

04-09-2006 - NW respond asking for fee

09-09-2006 - New S.A.R and fee sent

23-09-2006 - Statements received

*********************************

IF YOU FOUND MY COMMENTS HELPFUL OR USEFUL PLEASE CLICK THE SCALES. THANK YOU :)

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Was one of my heroes as well mate !!! (as they all are!)

Cheers

Just sent off LBA and hope things move a bit quicker now

Just had back an offer on my Woolwich one of £900 (claiming £1800) and not even sent LBA.

My missus wants me to take it but I'm keen to hang on in there for the full amount.!!

 

YNWA

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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19th September 06 - Received letter from Mr Higley telling me nothing he can add and that he will be advising the lawyers!!

MCOL then!!

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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Need some guidance guys!! - please.

 

Had my reply from dear Mr Higley saying nothing else to add and informing litigation.

Quick reply and well within the 14 days given.

Presume that I can now go to MCOL now ?? dont still need to wait until 14 days are up?

 

Just checking as well. Total I claim is charges + interest + 8% - what about my claim fee? - does this just get added back on if i win?

 

Any other help or guidance or links to assist will be gratefully received

 

Thankyou !!!

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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Please help !!

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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Hi, It does get added on. I went through MCOL on the 12th, they filed a defence on the 12th, so they have til the 12th October to pay up. I bet they make me fill in the AQ though, but stick to your guns and templates.

You can go through MCOL now, it seems that Natwest are the hardest nuts to crack, my others halfs has just offerd him some money, way below what we are claiming for, but it looks like an admission of guilt to me, whereas natwest are digging there heals in and hoping that they can scare people.

Good luck, I will look out for your thread and help when ever I can:)

  • Confused 1
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Great help, many thanks,

Will file with MCOL now then. only claiming £454 for my football club account so hoping they will think that it is too much hassle/costs to go through with it and will offer a reasonable settlement.

Got an offer with my Woolwich of just under half the amount claimed but asked them very nicely to settle at 85% or i will proceed with claim for full amount.

As the Woolwich/Barclays seem to also be one of the slowest and toughest I thought it was worth a chance as i would be happy with that.

You never know but Im not holding my breath!!

 

Thanks again

Will keep you posted and look out for your updates as well.

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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Hi, I am very surprised that they have not paid out, with it being a small amount ! But hey who knows what goes on. 85% if you are happy with that go for it, you are not being unreasonable. Like I said my B/F account offered him £300 squid less, but it was too late we had already filed MCOL the day before, if we had being offered that the previous week, we most probably of taken it.

I do appreciate the pressure that they are under, but we gave them nearly a month before we went through MCOL due to lack of funds !! Makes you wonder if they are keeping tabs on your account, to check that you cant afford going through with it before they offer you the once and only EVER offer????:)

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Thanks for that - done my registration etc for MCOL and ready to go now!!

Will follow your thread as we are just behind you with our claim.

 

Fingers crossed !!

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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I am secretary and sole signatory for my sunday football sides account which I am claiming back the charges.

In process of completing MCOL and just need to confirm that in my position I can act as the claimant ???

Also ref: the interest until payment or judgement do I just leave the it as 8% or put in a different amount??!!

 

All help appreciated

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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Brill - that clears it all up !! - ready to file now. Thank you so much.

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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Well thats it - finally filed with MCOL.

Guess its the AQ next judging by all I have read up and then Cobbetts etc!!!

Really hope that this happens now!!

Cheers to all for help so far - will need some more help soon I suspect.

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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hiya! i have filled mine in 2day, kinda spookey a im a fellow liverpool fan wanting to pay the money i owe 2 dad for the season ticket! haha

do you know what happens next or how long you have to give them? xx

These claims are getting tougher and tougher, talk about dragging them out!!! :rolleyes:

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Hi LolStevo

 

Another fellow Reds fan !! - Top Man

 

Well done on filing with moneyclaim !! - I kept going back to it and still was unsure about filing even though I have come this far!! -anyway its done now.

Think its wait the 28 days for an acknowledgment from Crap West to show that they will be defending it and then completing a AQ form - sounds fairly straight forward to that point from what I have read up on through other threads and posts.

Dont forget to let a Moderator know your claim details - just date, claim no and amount.

I would be happy to settle for a reasonable amount before to be honest as my footy team are struggling for cash as it is - Crap West nearly sent us under twice with their charges in the time that we have been with them and if we can get some cash back from them it will be a real bonus !

Anyway good luck with yours mate and keep me updated.

Better had pay the old man for your season ticket eh!!

Was sweating a bit on Wed v Galatasary !!

 

Cheers

 

YNWA

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

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