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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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Another dissatisfied customer


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Hiya

 

Halifax have caused me no end of problems and so I decided it was time to get my own back. DPA letter was sent to branch manager on 7th March.

 

Got a letter today saying my 'complaint' had been sent to head office and they will respond.

 

Strange - I dont recall complaining in my letter.... I just asked for info under the DPA. Will have to wait and see what happens.

 

On another note - am changing banks due to halifax being crap..... however my credit is now shot to pieces due to a mistake halifax made...... I am beyond angry!! Cant get a current account, cant get a mortgage... all because halifax let my ex husband run up debt in my name :evil:

 

Will keep you updated.

Halifax DPA sent - 8th March - reminder email sent 1st April . Finally received info on day 60!

First 14 day letter sent 17/5/06.

 

Jaidxx v Abbey - WON by Jaidxx!

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On the DPA request, did you send the £10? I am more convinced than ever now that this meeds to be sent as it ramps up the status of the whole thing.

Also, I would say that if you then find that you have been the subect of disproporstionate penalties then you can argue quite reasonably that it has been their unlawful activity which made it necessary to put in a DPA request and therefore you are now adding the £10 to your claim.

I am going to amend the DPA letter to reflect this.

 

If yo did not send the £10 then I suggest that you send it now with stern reminder so that the claim moves along at a pace which suits you.

 

You say that your credit is shot. Did the Halifax default yo on the basis of unlawful charges?

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I didnt send the £10 but will do now..... thanks for letting me know this is best.

 

My issues with Halifax are quite complicated.... these charges are only the tip of the iceburg really; however the charges have greatly increased the amount that 'I' owe them..... realistically, my ex husband owes them but as they let him run up debts in joint names (without me being informed) I am being held jointly responsible. My plan is to get the charges back for the past 6 years and use this amount to pay off the debt that he ran up so that they stop hassling me. Maybe then I can get my life back!

Halifax DPA sent - 8th March - reminder email sent 1st April . Finally received info on day 60!

First 14 day letter sent 17/5/06.

 

Jaidxx v Abbey - WON by Jaidxx!

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You could sue your ex. How much is at stake? Do you know where he is? Does he have any money

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Its only just over £1000 thats owed - by the way halifax are acting you would think its £10,000!

 

I have a solicitor who is dealing with the whole 'ex' thing but she is as useful as a chocolate teapot. Its cost me over £2000 in legal fees so far (this is to sort out divorce, selling property, and now this debt). The debt to halifax is the only thing outstanding now but she has lost interest and basically told me last week that there is no point chasing it anymore.

I'm about to put in a BIG complaint to Halifax but not sure what else I can do.

 

The 'ex' was meant to sign a consent order to agree that I was nothing to do with this debt (amongst other stuff) but he is refusing to do it..... he no longer replies to any letters etc.

Halifax DPA sent - 8th March - reminder email sent 1st April . Finally received info on day 60!

First 14 day letter sent 17/5/06.

 

Jaidxx v Abbey - WON by Jaidxx!

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So you owe Halifax £1000. how much of this is comprised of disproportionate charges? How much is merely your ex's spending debt?

 

Your solicitor has told you that it is not worth pursuing Halifax. has she put this in writing? What has she actually done in respect of the Halifax debt? What is the value of the work which she has put in to it?

 

What has she done about chasing your ex for the money of yours which he has spent? What was the value of her work on this?

 

Do you know where your ex is? Does he have money? Do you want your money back?

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So you owe Halifax £1000. how much of this is comprised of disproportionate charges? How much is merely your ex's spending debt?

I have just looked back over the past year (have now got access to online banking for the acc he used to run this debt up) and the total charges in the past year have been £561 plus the interest they charged (hard to wrk out as he was always in the overdraft with his spending anyway).

 

Your solicitor has told you that it is not worth pursuing Halifax. has she put this in writing? What has she actually done in respect of the Halifax debt? What is the value of the work which she has put in to it?

I dont have it in writing, she told me over the phone. She has done nothing with regards to the halifax, she has got me to do all the contacting etc! My ex's solicitor got a letter from Halifax stating that they would remove my name from the account by 10th Jan 06 but then they decided not to! I'd say she has made a few phone calls about it to the ex's solicitor so I think i must have paid her about £300 for it.

 

What has she done about chasing your ex for the money of yours which he has spent? What was the value of her work on this?

She has been crap at this but has done a few things to chase him, she sends a fair amount of letters and has even spoke to him on the phone.... I'd say about £500 on chasing him.

 

Do you know where your ex is? Does he have money? Do you want your money back?

I know where he is. He does not have money but as far as i am aware he is working (altho probably self employed so he can hide income). I'm dont want anything from him except my name removed from his debt.

Halifax DPA sent - 8th March - reminder email sent 1st April . Finally received info on day 60!

First 14 day letter sent 17/5/06.

 

Jaidxx v Abbey - WON by Jaidxx!

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OK, I thought about claiming from the Halifax and from your ex and then from the solicitor for fees which she had charged for unproductive/wasted work. Maybe it is a little ambitious.

 

Can you get a copy of the letter from your ex's solicitor? It was dated 10.1.06. Did your ex keep on spending on the account after this date?

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I have a copy of the letter. Have been and waved it in front of my branch manager a fair few times!! He told me a few weeks ago that my name would be removed by the following Monday (it was a thursday), when it hadnt been done I phone halifax only to be told that they had received a letter from my ex in DECEMBER withdrawing his consent for the removal of my name..... no one can explain why it took over 3 months to inform me of this!!

 

Halifax froze the account in about November last year so he cant use it any more.

Halifax DPA sent - 8th March - reminder email sent 1st April . Finally received info on day 60!

First 14 day letter sent 17/5/06.

 

Jaidxx v Abbey - WON by Jaidxx!

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  • 12 years later...

This topic was closed on 03/07/19.

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

Halifax DPA sent - 8th March - reminder email sent 1st April . Finally received info on day 60!

First 14 day letter sent 17/5/06.

 

Jaidxx v Abbey - WON by Jaidxx!

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