Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • 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
        • Like

Saints v Beneficial Visa & Others


Saints
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6443 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

 

Well we have well & truly embarked on our quest to gain back what is ours!

 

I have sent off all DPA's & Prelims now, and have received a letter today from Clare Plummer as shown below:

 

Re: Complaint XXX/XXXXX

Thank you for your letter dated 10th August 2006; I have now fully investigated the matters raised.

Default charges are charges payable if customers do not make the required minimum payment by the payment due date, if they exceed their credit limit, or if a payment to their credit card account is returned unpaid. The amount of these charges, and the circumstances, in which they are applied, is set out clearly in HFC Bank Ltd's credit card agreements. We believe that our charges to customers are fair and reasonable.

The OFT has recently published the findings from its enquiry into default charges on credit cards. HFC Bank has carefully considered the OFT's publication and does not accept its findings. However, the OFT's investigation has led to a change in market practices and we have therefore decided, for commercial reasons and in the interests of customers, to reduce our credit card default charges for the future. These changes do not affect charges that have already been applied. Accordingly, I regret that we are not prepared to make any refund of default charges or provide any compensation payments. I hope I have been able to clarify HFC Bank's position on credit card charges.

Thank you for taking the time to contact me to bring this matter to my attention, I am only sorry it was

necessary for you to do so. I hope that matters have now been resolved to your satisfaction, however,

should you require any additional information or further assistance, please do not hesitate to contact me

on 0121 2XXXXXX.

Usual fob off...... LBA on its way :o)

FIRST DIRECT: £ 1845.11

17/08/2006 - MCOL Acknowleged!

01/09/2006 - Paid in Full - - I WON!!

 

 

Intelligent Finance: £ 412.00 (Hubbys Account)

19/06/2006 - DSAR Sent (no reply!)

05/07/2006 - 2nd request DSAR letter

27/07/2006 - Reply 'Your req not covered by Data Protection Act!'

31/07/2006 - Non Compliance letter sent

05/08/2006 - Prelim Sent

09/08/2006 - Reply from bank - 'Our charges are correct blah blah'

03/09/2006 - MCOL Filed

 

 

Beneficial Bank Visa £508.82

19/06/2006 - DPAR letter sent

10/08/2006 - Prelim sent

15/08/2006 - Reply from Beneficial, don't agree, matter closed!

17/08/2006 - LBA Sent

02/09/06 - Full Offer Received after partial offer!

Link to post
Share on other sites

Oh that letter seems simular lol i got the same one last week and today i got one offering £450 but will only be accpeting as partial offer. Keep going

 

Emma

HFC - Data protection letter sent - 17/07/06

- prim letter sent for £900 - 27/07/06

- LBA sent 10/08/06 asking for £945

- letter from HFC offering £450

- Letter from HFC offering £946.36

- Settled in full before filing MCOL

Ikea - Data protection letter sent - 31/07/06

- prim letter for £580 - 10/08/06

-Letter from ikea offering £250 - refused

-LBA sent 26/08/06

- Settled in full before filing MCOL

Alliance and Leicester

- Prim letter sent for £815 - 10/05/07

- LBA sent for £815 - 31/05/07

- Letter from A and L offering £143.50

HSBC - Data protection sent 10/05/07

Link to post
Share on other sites

  • 2 weeks later...

Well, whilst away I did receive a partial offer of £250.00 which I have accepted as a 'partial' payment only.

 

Still waiting to hear their response..... !

FIRST DIRECT: £ 1845.11

17/08/2006 - MCOL Acknowleged!

01/09/2006 - Paid in Full - - I WON!!

 

 

Intelligent Finance: £ 412.00 (Hubbys Account)

19/06/2006 - DSAR Sent (no reply!)

05/07/2006 - 2nd request DSAR letter

27/07/2006 - Reply 'Your req not covered by Data Protection Act!'

31/07/2006 - Non Compliance letter sent

05/08/2006 - Prelim Sent

09/08/2006 - Reply from bank - 'Our charges are correct blah blah'

03/09/2006 - MCOL Filed

 

 

Beneficial Bank Visa £508.82

19/06/2006 - DPAR letter sent

10/08/2006 - Prelim sent

15/08/2006 - Reply from Beneficial, don't agree, matter closed!

17/08/2006 - LBA Sent

02/09/06 - Full Offer Received after partial offer!

Link to post
Share on other sites

Well yesterday (Saturday) I received a full offer in the post.... I have accepted! Funnily enough they keep putting in the line 'If you accept I will apply the funds to your accout'. I have told them every time, that the money is to be paid by Personal cheque only & this is a condition of acceptance. Lets see what they do !!

 

saints

FIRST DIRECT: £ 1845.11

17/08/2006 - MCOL Acknowleged!

01/09/2006 - Paid in Full - - I WON!!

 

 

Intelligent Finance: £ 412.00 (Hubbys Account)

19/06/2006 - DSAR Sent (no reply!)

05/07/2006 - 2nd request DSAR letter

27/07/2006 - Reply 'Your req not covered by Data Protection Act!'

31/07/2006 - Non Compliance letter sent

05/08/2006 - Prelim Sent

09/08/2006 - Reply from bank - 'Our charges are correct blah blah'

03/09/2006 - MCOL Filed

 

 

Beneficial Bank Visa £508.82

19/06/2006 - DPAR letter sent

10/08/2006 - Prelim sent

15/08/2006 - Reply from Beneficial, don't agree, matter closed!

17/08/2006 - LBA Sent

02/09/06 - Full Offer Received after partial offer!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...