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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
      • 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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EpX vs HSBC ***SETTLED IN FULL***


EpX
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Just posted my preliminary letter off to my local branch today, will wait and see what response I get...

 

Am claiming for approx £900 over the last 3 years, plus interest on the proportion of charges. I used the standard template letter and also the Interest Calculator from Vampiress as my schedule of charges after going through all my statements online.

 

I will try to keep this updated as to how I get on...

 

The irony is that I plan to use all the money to pay off my overdraft with HSBC and prevent charges from ever occurring in the future.

 

Fingers crossed!

 

EpX

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That's what I intend to do with (some of!) my money. That and maybe a holiday ! LOL!!

Good luck in your claim, your money will return!

28/07/06 - Prelim letter sent to HSBC for £3648

31/07/06 - Letter rec'd at HSBC

14/08/06 - LBA sent to HSBC

16/08/06 - LBA rec'd at HSBC

22/08/06 - Finally!! first reply from HSBC offering £2000

23/08/06 - Letter to HSBC declining offer, saying I want ALL my money!!

31/08/06 - MCOL filed for £4551.96, to be deemed served on 06/09/06

05/09/06 - HSBC Acknowledge claim

22/09/06 - DG Solicitors offer full amount in settlement, I accept!!

27/09/06 - Full amount paid into my acount

28/09/06 - Full amount taken out of my account!!!!!:mad:

29/09/06 - Cheque arrives, FOR SOMEBODY ELSE!! with all their account details in a letter adressed to me!!!

29/09/06 - HSBC refuse to pay money back into my account

 

 

 

If I have been of any help, please click on the scales in the top right corner! :)

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  • 2 weeks later...

The first 14 days have now elapsed and I have heard/received nothing whatsoever from HSBC!

 

Sent my LBA out today, with a copy of the Preliminary Letter originally sent and another statement of charges "for their records".

 

I'm a bit disappointed not to get any kind of acknowledgement but will wait and see what happens and update here accordingly....

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  • 2 weeks later...

Well today was the day when I was due to start the MCOL but surprise! A letter arrived offering £805, when I claimed £896 plus £151.26 interest (not including 8%).

 

I'm not sure if I should accept it as I really need the money at the moment. I have just started a new job and had to buy a £150 suit today, as well as other work clothes. Also, I am going 4 weeks without pay, as I am going onto a monthly salary and won't get paid until the end of the month.

 

I am already over my overdraft limit (which this rebate will help to pay off) and so I expect that another £125 charge will be added at the end of the month.

 

Any ideas what I should do? Wait a bit longer so the charges are applied and then claim for over £1000? or just accept it?

 

Any advice gratefully received!

 

Thanks!

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I am thinking of replying with this:

 

Dear Sir/Madam,

 

Thank you for your letter dated 12/9/06.

 

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totaling £1047.26

 

I accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

My letter before action sent previously indicated that you have until 13/9/06 to respond before Court action commences. I will now give you a further 10 days to accept my proposal before I commence Court action. You are reminded that there will be no extension to this timescale.

 

 

This may buy me some time in order to add any charges that appear this month onto my MCOL nearer the end of the month...

 

Anyone agree that this is a good idea?

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Wack in the MCO and go with - but dont if you need the money NOW! - this will delay your claim but you will get the full amount - gets the date right on your letter and MCOL.

 

Dear Sir

 

Thank you for your letter dated X and settlement offer of £ X

 

I have already filed a claim in the small claims court and therefore I respectfully decline your offer of settlement .

 

I request, once again, that you return to me all charges imposed on this account, together with court costs and s69 8% interest now totalling £xxxx

 

Yours sincerely

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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I think i'm going to give them another 10 days, that way if I do get stung at the end of this month, I can add the additional charges onto my MCOL, as after I get paid, I will be under my limit again...

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I suspect that HSBC have stopped my switch card, I tried to use it earlier but was refused! Admittedly, I am approx £100 over my OD limit (as I don't get paid in my new job until the end of the month) but it does seem a bit coincidental as I rejected their first offer the other day...

If this is true then I have approx £25 to last me until next Friday! and I need a tube pass costing £26 to get to work... I am in serious trouble!

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New Update: I received another offer today for £923 (claim was £1072 including £25 charges due to be applied at the end of this month).

 

Am tempted to accept this but I know that I will be stung for £125 charges for this month at the end of October.

 

In a dilemma now, should I wait longer and add the extra £125 in my MCOL claim or next letter? Or accept now on condition that the extra £125 is waived?

 

Any advice anyone???

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  • 3 weeks later...

Just submitted MCOL for full amount (inc interest) and interest at 8%. Waited until new charges of £125 for last month had been added to account.

I will definately have more charges next month (hopefully for the last time!), so I included a proviso to remove the next set of charges that are due to be applied in Nov in my claim, instead of adding them in advance to the total amount.

Hopefully this will work...

Anyway, here we go with the MCOL!

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  • 3 weeks later...

Just had a letter delivered from DG Solicitors offering the full amount (charges + 8% interest + MCOL fee and also including £125 that is due to be taken off at the end of October). Great news!

 

But before I accept it, in my MCOL claim I specified that I wanted any charges that I have incurred during October (that will be applied at the end of November) to be removed too. I don't know how much these will be until HSBC notify me of them on 9th November (the date my MCOL expires by the way). They could be approx £75 but may be as much as £125. There is no mention of this in the letter. How should I go about getting these included?

 

Should I call or write a letter? Has anyone had a similar situation?

 

Any advice would be appreciated!

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Decided to write a letter asking for pending charges at end of November to be removed too before I accept the offer. If this happens then I will accept the offer, drop the MCOL claim and everything will be settled.

 

If this happens, I doubt I will ever incurr charges again as no more overdraft!

 

Hopefully they will agree to this, fingers crossed!

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Same thing happened to me, but I'd just received my money back from them.

 

I sent them a secure message, requesting the charges to be removed that was pending. I said I had already won my first claim against them, and I would do the same thing again with these charges if they weren't refunded, and it would be in all our interests to just remove them now, without adding on court fees and interest!!

 

They duly removed them!!

Dani

 

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  • 2 weeks later...
9th November (the date my MCOL expires by the way)

 

hi there, just checking - how did you manage to file today if it expires on 9th?

 

if the court accepts your request they send the judgement to the bank with the details for payment.

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I miscounted the day the MCOL ended, it was the 7th, so I filed for judgement but I was disapointed this morning when I saw it had been rejected. Called MCOL and they said that HSBC had filed a defence and I would be getting the court papers soon, gutted.

 

Anyway, got home this evening and found a letter offering the full amount and waiving next month's charges, just like I requested. Result!

 

So I have accepted and crossed out the confidentiality wording.

 

So its sorted nearly, apart from the deposit of cash of course! Took under 2 and a half months to do and 4 letters sent.

 

What do I do about the MCOL now? Do I have to write them a letter?

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hi epx, sorry I wasn't alerted to your previous post for some reason, must have been during the site upgrades. Anyway, wait until you get notice of the transfer to your local court, which should be very soon, then write to the new court saying you've reached settlement with the defendant and you wish to withdraw the claim.

 

make sure there's no clause in the offer about no future claims.

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CONGRATULATIONS

 

Please take a moment to fill in the SURVEY

..

.

 

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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CONGRATULATIONS!

On a really selfish note, hope this means that they are in a good, sharing mood! :D

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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