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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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I'm actually quite surprised how much information they did send through considering they're an enviromentally friendly company. Mind you, I did ask for all of it!

 

Quite interesting to see all the call log for things like them calling me up offering me loans and declining. Funny to see a few saying "customer disconnected mid call" lol. How rude of me! :)

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Received my statements on the 26th and have posted off my Prelim letter today.

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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  • 2 weeks later...

Nothing received (apart frm the standard, thanks for your complaint letter), so the LBA has now been sent.

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Well, week in, week out I get paid via CHAPS to my Smile Current account - the money's in my account by close of business Monday. Now, for the first time ever, no salary. No, I've not been sacked, and I've even had confirmation from my employers that I've been paid. Seems odd that this first time is just after sending the LBA! Come on Smile, play fair...

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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hi...

Fortunately my company 'fessed up to being late getting the CHAPS payment in so it was a day late. I guess I was too quick to point the finger at Smile on this occassion!

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Clock ticking. I've sent Smile a secure message prompting them to get their finger out. No reply as yet :(

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Well, got my reply:

 

"When dealing with any complaints we receive we work to timescales set by the Financial Services Authority. Due to the volume of similar complaints we've received we're unable to respond to dates set by customers.

 

In line with the above mentioned timescales you should receive a reply to your complaint within 8 weeks of us receiving it. If you choose to take your claim to the small claims court before you receive our response, please send it to the following address:

 

Vivien Calderbank

Legal Services

19th Floor

CIS Miller Street

Manchester

"

 

Is this the same address that other people have been using?

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Oh you had better wait for 8 weeks then because you are only a customer and can't expect them to do things as you want.

 

On second thoughts, stick to your timetable.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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:lol:

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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