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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
      • 162 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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Intelligent Finance


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Hi all,

 

I'm about to send my initial request for refund to Intelligent Finance for £765.11 relating to an account which has been closed for a while. As some of you might know, IF is part of the HBOS group - my question is whether you guys think I should send the letter to IF in Livingstone, or Halifax plc at the address shown elsewhere on this forum - or indeed somewhere else entirely? I've not seen any other posts regarding IF, but hope they'll do the same as Halifax and refund (relatively) quickly!

 

Thanks,

Jim

 

EDIT: Oops, sorry - just found this post: http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=2112 - strange how the Search didn't turn it up though. :?

EDIT(2): I see why it didn't turn it up - I searched on Wednesday, but only just got round to writing the letter! Should have searched again! :oops:

 

I'm going to try the 1 Baird Road, Livingston address and see what happens, as this isn't a DPA request...

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

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  • 3 weeks later...

OK, no reply to my initial letter (there's a surprise!). So I've just printed the final notice letter (which I've headed 'Notice of intention to begin court proceedings' - might as well use their own language back to them!) and will be posting it, first class recorded, tomorrow!

 

C'mon IF, I want my £765.11 back!

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

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  • 3 weeks later...

Hi all,

 

I'm about to claim around £750 back from Intelligent Finance from charges levied a few years ago on what is now a closed account. However, about half of that amount is interest, charged at the Unauthorised Overdraft rate, and charged only on the Charges. Can I claim this back, as well as the 8% should it go to court?

 

I've read the FAQ, and it makes me think I can - but I wanted to double-check!

 

Thanks,

Jim

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

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You can claim for everything on your statements that is not a justifiable service fee:

 

Claim:

  • Penalty Charges applied to your account. This is for exceeding overdrafts, referral/representation of DD’s and SO’s, cancellation of DD’s and SO’s, card misuse charges…the list is long!
  • Interest charged to your account for any of the above
  • When the interest is applied to the penalty charges, then this interest should be included
  • If your transaction history identifies what interest is applied for what reason, then be honest about the amount you request
  • If the interest is not itemised, then claim for ‘Interest Charges,’ and the onus will be on the bank to demonstrate the proportion they are entitled to

 

Don't Claim:

  • Agreed fees, such as £5 monthly overdraft arrangement fee
  • Any concept of costs or time at this time
  • Interest other than that which appears on your statements
  • Interest at 8% APR (that comes when you raise your claim at court)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Brilliant, thanks - that's what I thought, but I wanted to be sure before starting court action!

 

The LBA was delivered to them two weeks ago today, so I'll be filing a claim online if I don't get a response in tomorrow's post!

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

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Right, still no satisfactory response, so going to file the claim at moneyclaim online - but they want an address in England or Wales, and Livingston is in Scotland!

 

Do you guys think it would be OK to register the claim against Halifax plc, at their Registered Office? After all, all the paperwork I've got from IF says "Intelligent Finance is a division of Halifax plc" and gives the Registered Office in Halifax.

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

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  • 3 weeks later...

Finally managed to get the £80.00 together for the court costs, so have issued the claim today! Wish me luck! :D

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

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  • 1 month later...

And I've won! Two days before I would have issued Judgement, I've got a cheque in the post from HBOS Legal Services for the full £941.23! I'm literally grinning from ear to ear!!! :D

 

Survey filled out, and a second donation is on its way from me!

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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