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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 
      • 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
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Un1boy's hALIFAX Credit card claim - SETTLED!


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Well I have just been offered a full settlement of £600.27 for m current account.

 

I worked out my credit card charges after byt they owe me £45 - yes, £45!!!

 

I sent the prelim but the deadline was up last thursday. They have had over a week and I assumed that as it's a small amount they'd just refund it. I called them laods and they said the CC people are looking into it. I'm tired of being nice to them now, so sent the LBA. they;ve got 14 days now otherwise I'm entering another MCOL - makes me laugh, I've just successfully got a settlement out of them, do they think I'd back down over £45?

 

I'll let you know!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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doesn't make sense does it. they sent me an offer of almost £4,000 but bounced a d/d for £37.00 and charged me £30 on the same day :D

HTH (Hope This Helps) RDM2006

 

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I know, they're so stupid - I bet this'll end up in court and they'll end up paying about £80.00 to me. They should realise I've just ahd a settlemetn for my current account so won't back down.

 

Let me know how your's goes!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Well, still not heard anything from them - they didn't even bother to reply to my prelim. Ah well, bet they don't pay up and it goes to court - they'll end up paying out about 70/80 pounds of they don't.

 

You see HSBC's credit card department run seperately to their other departments, so I bet they won't even realise that I hve successfully claimed on my current account. I guess it's a good savings technique tho, eh?! ;)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Just an update - received a letter today from HSBC credit card department in respoinse to my LBS for £45 in charges. They are sending me a chewque for hte full amount! The deadline was 17.08.2006 and seeing as they didn't even reply to my Prelim I'm surprised it was so quick. They did say though that my branch have only just forwarded the letters on and gave me an address to send all future CC corresopondence to. I will post that address as soon as I have the letter at a pc!

 

Should I reply and say great thanks, but I want the cheque within, say seven days? Or just leave it now and wait?

 

Any ideas?

 

Thanks in advance!! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, had a call from someone Friday and he has put my cheque in the post!!!

 

So, make sure you go for ANY amounts guys!!

 

Will let you now when I have cheque and will defo be donatng!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Right, I have received the letter with the cheque in it today. It's from some guy in the Credit Card department, saying they have refunded it as a gesture of goodwill because they messed my addresses up and were sending info to my mum and dad's address when I asked them to change it to my address. He has also asked that this means I never ask for HSBC to refund charges again, nor take any legal action against them again. He says if he doesn't here from me within 8 weeks, he'll assume the matter is closed. Also says that it is of course without prejudice. Hmmm....well, I don't care what he tries to say the reason is and I will reply (after cashing the cheque and it's cleared!) saying that I do accept the refund, however without any conditions - I will also politely point out that it is a criminal offence under the Human Rights Act to restrict someone's right to take legal action against someone else, and if HSBC or any of their representatives ever send me a letter with a clause like that in it I will take it further.

 

Ah well, I have my money back now - so please, please do go after EVERYTHING- no matter how little!

 

Will change my thread name and donate as soon as it clears!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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lol, not in terms of settlements, no!

 

I'm just so fed up with all these companies wanting the last word - I mean the way I name is spelt can be the girl's way, however all of my letters are signed with (MR.) at the end. I got a letter from DG solicitors with MS andn Dear Madam on it. Barstewards. In my reply I told them I was offended and in their reply they didn't even mention it. Once the cheque is cleared I will complain to them about it. I also want my daily interest!

 

Anyway.....here's the letter I'm replying with. let me know what you think:

 

______________

REF: SETTLEMENT OF CREDIT CARD CHARGES

 

CREDIT CARD NUMBER: xxxxx

 

Thank you for your letter dated 17th August 2006 regarding the refund of my credit card charges.

 

I would like to thank you for the time and effort you have spent dealing with my claim. I was fully aware of the circumstances in which HSBC levies unlawful ‘fees’ on credit cards however thank you for confirming this.

 

I would like to confirm that I have received the cheque for £45.00, however I disagree with the contention of it being as a “gesture of goodwill” as I am quite confident that I can prove my case in court and prove that these are in fact penalties that you are trying to cloak as a service charge. I am also very confident that a judge will also see it this way. Whilst I have to mitigate my loss I am prepared to accept the figure of £45.00 you have sent me. I will accept this as full and final settlement of the cash element of this particular claim. I reject all other conditions you have attached: Unless you would like to negotiate a payment for this extra service you are asking from me, as a separate agreement?

 

In response to you’re request that I “agree to not make any further claims or take legal action on the matter.” I would like to point out that applying restrictions to a person’s ability to take legal action against another person is a violation of their Human Rights. If I receive any other communication from HSBC or their third parties at any time in the future stating a clause like this, I will have no option but to report HSBC to the relevant authorities to investigate possible breaches of the Human Right’s Act, taking action where necessary.

 

I appreciate you arranging information about manual interaction regarding my credit card account to be sent to me. My rights under the Data Protection Act (DPA) compel you to provide a copy of every piece of information HSBC holds on me. I would therefore like this to include all notes that are held about me within your department along with any notes that were made by your colleagues in relation to phone calls, email messages and the like. I do not require any more copies of my statements at this present time.

______

 

hehe, what you think?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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This letter ahs gone now and been received - let's see if I get a reply. I'm not counting on it!! haha

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Well he's received it and I got a copy of all notes from my credit card account.

 

The cheque's cleared and I've got my money - donation to follow asap!

 

Just a note to say to everyone do not give up, use this site and go for every penny of YOUR money (even if it is a penny - or £45, like I've just received!!).

 

Thanks to everyone on here.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Can a mod please change the title of this thread and append - £45 FULL SETTLEMENT RECEIVED, or £45 PAID IN FULL or something

 

Thanks

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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  • 3 months later...

Had all statements so totted up charges - comes to a nice figure of 3.5k!!

 

Sent prelim and had a response saying they have registered my complaint and are looking into it. LBA due to be sent on Wednesday!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Thank you. I'd love it to go to court - I'll get an extra 700 in interest if that's the case!! hehe

 

I'm doing this for my sister

 

She got a letter from Halifax today, offering £1000

 

NAturally it will be rejected.

 

It's interesting now though becasue they seem to be offering rather than issuing fob offs - my other sister got an offer after the prelim that was no where near the total, but still I guess it's progress.

 

I will keep you updated.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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I have just got the paperwork and the £1000.00 they have offered is a full settlement offer for one account

 

Got 2.5k on the other ad havent heard anything, so I have sent my LBA for that and accepting the other £1000.00.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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  • 2 weeks later...

just to let you know, the £1002 that has been offered will be in the account within the next 7-10 days!

 

The other account we've not heard a peep about!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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  • dx100uk changed the title to Un1boy's hALIFAX Credit card claim - SETTLED!
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