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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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Acres V Halifax ***SETTLED IN FULL***


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Hi All

New to this but started the ball rolling today after receiving yet another £39 charge for an unpaid direct debit of a measly £12. I have started with an informal letter to the branch to see what response I get. If nothing then I will proceed with the Data Protection form and pay my £10.

 

I also found another web site who will do all the work for you on a "no win no fee" basis. Have a look if you want the hassle of doing it yourself taken out of the equation. You can find them at:

 

xxxxxxxxxxxxxxxxxxxxxxxxxxx

 

They do charge an initial £20 fee to start with though. And their commission is up to 25% + vat, so probably not worth it. I don't think it will be long before others jump on the band wagon and commission drops.

 

Regards

Roger

 

LINK REMOVED.

We do not permit the linking to any sites that ask for a fee for their work, or where a profit can be made. Please do not post this link again.

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  • 3 weeks later...

Have received bank statements and calculated they owe me £1667.

 

Have downloaded the excell spreadsheet:

 

are there any instructions on how to get it to calculate the 8% or do we have to do this ourselves ? and do we really have to include the number of days since the offence?

 

I have completed it with bank charges only so far and am sending it with the last 2 columns empty.

Any advice at this point would be welcome

Roger

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Have received bank statements and calculated they owe me £1667.

 

Have downloaded the excell spreadsheet:

 

are there any instructions on how to get it to calculate the 8% or do we have to do this ourselves ? and do we really have to include the number of days since the offence?

 

I asume you deleted all the data in the spreadsheet first, if so you did it wrongly you just amend whats there to suit your circumstances and it will work out everything for you, you then delete what is not relevant to you

 

I have completed it with bank charges only so far and am sending it with the last 2 columns empty.

Any advice at this point would be welcome

Roger

when you send the list of charges to the bank you dont add on the interest this can only be done when you file your claim to Court

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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  • 2 weeks later...

Got a letter back offereing a measly £267 pounds as final settlement of the £1667, of course I have accepted it but only as partial settlement

 

Do they usually pay this partial settlement immediately and then we go for the rest through court, or will I have to wait for the full amount?

Incidentally, the tone of their letter was very suggestive of this is all my fault for going overdrawn :o

 

Almost time for the letter before action.

 

Roger

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  • 2 weeks later...

i submitted my claim on saturday and had a letter yesterday telling me they'd pay in full within 5 working days, so wasn't long for me.

 

Good luck :)

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Just noticed on the money claim on line that there is a page that asks

 

"do you wish judgement by default or admission....." and there are two options

 

do I need to select either of these at this stage????

Roger

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1. Yes

 

2. No

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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That thier charges are transparent, and you agreed to them when opening your account via the tems and conditions. Unfortunately for them they are only allowed to charge for actual losses accrued by the bank as a result of your 'errant ways'!. As the banks refuse to show how these are calculated -you will win. The only reason banks submit a defence is in the hope it will scare you off.

FWIW the Halifax are not as childish as other institutions and I'm sure you'll be reunited with your cash very shortly.

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CONGRATULATIONS, AND JUBILATIONS, I WANT THE WORLD TO KNOW IM HAPPY AS CAN BE :D

 

Got letter from Halifax telling me money will be in the bank in 5 working days.

 

Interestingly, they still havn't admitted liability and are claiming it is purely on a commercial basis that they are paying me back.

 

The have also indicated that they have written to the court indicating that they intend to defend the claim. Does this mean that I may have to pay the money back at a later date if their defence is upheld??

 

Also, is there anything I now need to do at MCOL

 

All that remains now is to see my bank balance dramatically increase in the next few days.

 

MANY MANY THANKS TO ALL WHO HAVE PROVIDED THE SUPPORT AND GUIDANCE NECESSARY TO SEE THIS THROUGH TO A SUCCESSFUL CONCLUSION EXPECT A HEALTHY DONATION SOON

ROGER

 

:D :D :D :D :D

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congratulations, don't do anything with moneyclaim yet

 

when the money is paid into your account either ring / email them with your claim number and let them know that you consider the matter closed.

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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