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    • Draft letter…. Please find attached response from Mercedes Croydon, along with pictures showing the root cause as water ingress over time. These pictures and the report indicate that the problem is pre-existing. Therefore, I expect Doves to take responsibility for the costs incurred, as per the Consumer Rights Act 2015 “should a fault appear outside of 6 months, it's for the consumer to prove the fault was present at time of sale”  I called Doves seeking advice regarding the Mercedes I purchased on the 29th September 2023. On the 12th May 2024, the car lost contact with the keys, so I followed the warranty process and called the AA using my RAMP reference number. The AA attended but couldn't resolve the issue and diagnosed it as an electrical fault. Consequently, the car was recovered to Mercedes on the 16th of May. I chose Mercedes for their expertise and specialized diagnostic software that many garages wouldn’t have, hoping for a swift resolution. After many days at Mercedes in Croydon, the fault was identified as water ingress from the front windscreen, which turns out, is not original. The windscreen has a date stamp of 2019, even though the car was registered in 2018. Therefore this clearly occurred some 3 years before I purchased the car and has been slowly deteriorating since the incorrect workmanship of the windscreen. This will also explain why the front trim around the window showed signs of damage when I purchased the car. I had asked for the trim to be replaced due to its noticeable damage, but Jack informed me that it would be too costly, so we negotiated this into the sale price. It seems this damage was caused by the windscreen being replaced.  The car is now ready to be collected as works are complete and I expect the costs to be covered between yourself and would appreciate a swift response to resolve this.
    • Hello folks  Got a letter from overdales the day after I submitted my defence this contains a copy of credit card agreement and a letter stating the account has been sold to lowell. H
    • Seen a number of videos online of interviews with people in town centres around the UK. Those that say they will vote Reform can accurately be described as 'Gammon Faced'. So frustrated with life in 2024 and yearning to switch the clock back many decades, they don't really care about the policies of Reform. What appears to appeal to them about Reform is an old fashioned nostalgic outlook, of trying to get the country back to how it was a very long time ago. Yes much of this is about immigration, but it is also about many other issues such as Equalities legislation, Human Rights etc, which they believe have gone too far. For the above reasons, I don't think many who are looking to vote Reform, will switch their votes back to other parties they have voted for before. From what I have seen in polling, 70% were previously Tory and about 30% Labour. The Tories under Sunak can no longer appeal to those who now back Reform. For example, I doubt any Tory Government would support leaving ECHR, because that would most likely be opposed by the majority in the UK. And many Tory MP's would not support leaving ECHR and the House of Lords would block anyway ignoring any conventions to give way to The Commons. A combination of Brexit, Reform lead by Farage and the average age of this voter demographic is quite likely to lead to the extinction of The Conservative party. What may happen after this election is that the right of politics splits into new groups. Some Tory MP's are likely to jump ship and join Reform. And others will try to relaunch the Conservative brand as a centre right modern party. This could possibly lead to the Lib Dems becoming main opposition party at some point. The outcome of this election could well significantly change UK politics forever. And it is not just about the future of the Tories, Labour with a huge majority may find it difficult to keep some on the left happy with Government progress on tackling some issues. So we may see a fracture within Labour support and new parties formed.  
    • Desperation. They must think people have forgotten what Johnson was like as PM. Tories turn to Boris to combat Farage threat WWW.TELEGRAPH.CO.UK Former PM signs letters to wavering voters amid warning Labour could be in power for a generation if support goes to Reform  
    • I hope Labour keeps its word about investigating these contracts. Boss of US firm given £4bn in UK Covid contracts accused of squandering millions on jets and properties | Coronavirus | The Guardian WWW.THEGUARDIAN.COM Exclusive: Rishi Sunak’s team helped fast-track deal with firm founded by Charles Huang, who says contracts generated $2bn profit  
  • Our picks

    • 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
      • 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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hi i thought bank charges were something you had to live with until i spoke to my sister who got me to join here. i have had £915 taken from my account over the past 6 years and i am in the process of claiming that back. if anybody has any views or help please let me know. good luck to everybody on here.

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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)

 

Apologies for the slowness of the site today - recent publicity has made us very popular!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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hi i thought bank charges were something you had to live with until i spoke to my sister who got me to join here. i have had £915 taken from my account over the past 6 years and i am in the process of claiming that back. if anybody has any views or help please let me know. good luck to everybody on here.

 

Best of luck - Keep us informed of how you get on.

Libby :lol:

Prelim Letter sent 14 June 2006 (£2,301.00

rec Letter from the bank on 21 June 2006 to say sorry to hear that

rec another letter 24 june 2006 refund £468.00

3 July 2006 i sent my LBA heard nothing.

sent my N1 claim form in on 17 July 2006

Offer from Halifax for £938.00 20 July 2006.

22 July 2006 rec claim form back from the court.

Ack by Halifax intend to defend in full on 3 Aug.

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Got an offer today of £89 for a full and final settlement :lol: . i don't think so.

 

No i don't either.

Libby

 

Prelim Letter sent 14 June 2006 (£2,301.00

rec Letter from the bank on 21 June 2006 to say sorry to hear that

rec another letter 24 june 2006 refund £468.00

3 July 2006 i sent my LBA heard nothing.

sent my N1 claim form in on 17 July 2006

Offer from Halifax for £938.00 20 July 2006.

22 July 2006 rec claim form back from the court.

Ack by Halifax intend to defend in full on 3 Aug.

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  • 3 weeks later...

well i have now put my claim in with the courts for a total of £967 and now i have been told its a waiting game and for the Halifax to acknowledge the claim. today though i received another letter from the Halifax offering me £133 and adding that if i did not run my account correctly then they would have no alternative but to close my account. :confused:

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  • 4 weeks later...
well i have now put my claim in with the courts for a total of £967 and now i have been told its a waiting game and for the Halifax to acknowledge the claim. today though i received another letter from the Halifax offering me £133 and adding that if i did not run my account correctly then they would have no alternative but to close my account. :confused:

 

HI Mand1409

Just wondering if you had heard anything yet

LIBBY

 

Libby V Halifax

Prelim Letter sent 14 June 2006 (£2,301.00

rec Letter from the bank on 21 June 2006 to say sorry to hear that

rec another letter 24 june 2006 refund £468.00

3 July 2006 i sent my LBA heard nothing.

sent my N1 claim form in on 17 July 2006

Offer from Halifax for £938.00 20 July 2006.

22 July 2006 rec claim form back from the court.

Ack from the court on the 3 Aug they intend to defend.

Rec letter from Halifax (17 Aug 06) going to pay in full - within 5 days.

Money paid into my account 24 Aug 2006 settled in full.

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nothing yet hoping i would have my letter today but still nothing

 

Hi mand

have you heard anything yet must br nearly to the end of the time when you should of heard by now

Libby

Keep in touch.....

Libby V Halifax

Prelim Letter sent 14 June 2006 (£2,301.00

rec Letter from the bank on 21 June 2006 to say sorry to hear that

rec another letter 24 june 2006 refund £468.00

3 July 2006 i sent my LBA heard nothing.

sent my N1 claim form in on 17 July 2006

Offer from Halifax for £938.00 20 July 2006.

22 July 2006 rec claim form back from the court.

Ack from the court on the 3 Aug they intend to defend.

Rec letter from Halifax (17 Aug 06) going to pay in full - within 5 days.

Money paid into my account 24 Aug 2006 settled in full.

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Hi am new to this forum but wondering Libby if you can help me as you've done the full claim (well done by the way!) i've had a letter offering a goodwill gesture of just under half the amount i've asked for - I want to go the whole way and claim the full amount but what do I write in the letter? Do you know of a link to a web page with a template on? Thanks x

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Hi am new to this forum but wondering Libby if you can help me as you've done the full claim (well done by the way!) i've had a letter offering a goodwill gesture of just under half the amount i've asked for - I want to go the whole way and claim the full amount but what do I write in the letter? Do you know of a link to a web page with a template on? Thanks x

 

First of all i would like to welcome you to this site if this is your first visit, have you got your own thread yet??

what bit are you up to - have you just sent off your prem letter and rec your first offer letter.

any questions please dont hesitate to ask - try and get your own thread and ask a question we will try and answer as soon as possible. either myself or any of the mod's will be happy to help.

Good luck!!

Libby

 

Libby V Halifax

Prelim Letter sent 14 June 2006 (£2,301.00

rec Letter from the bank on 21 June 2006 to say sorry to hear that

rec another letter 24 june 2006 refund £468.00

3 July 2006 i sent my LBA heard nothing.

sent my N1 claim form in on 17 July 2006

Offer from Halifax for £938.00 20 July 2006.

22 July 2006 rec claim form back from the court.

Ack from the court on the 3 Aug they intend to defend.

Rec letter from Halifax (17 Aug 06) going to pay in full - within 5 days.

Money paid into my account 24 Aug 2006 settled in full.

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