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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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Lisa1977 V Halifax


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Ok, so I will just call them at lunchtime & speak to the lady who sent me the letter.

 

Thanks Allot & sorry again for starting a new thread

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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I am still shocked that they have offered me a full refund after just 1` letter..has this happend to any1 else ?

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Ok I couldnt wait, so I have called her back just now.

 

I asked if she could pay it directly into my bank account & she said no. What she could do is put it onto my credit card & then as my account is now closed she could do a 'bacs payment' (think this is spelt correct) & this will then be credited to my bank.

 

BUT she wants me to sign the acceptance form which says that it is going back onto my card & fax it over this morning. Shall I add a bit to it to say...

 

"To b added back onto my Halifax Credit Card and then a bacs payment is to be completed to add the funds to my Halifax Bank Account"

 

What do you think ?

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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yeah I called & spoke to the lady who sent me the letter. Shall I fax & send a copy in the post (recorded) ? or will the fax be good enough ?

 

Thanks

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Excellent cheer hun

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Ok LBA for bank account & altered acceptance form sent for My Halifax credit card. I am still quite concerned that they wont honor what the lady said.

 

She said my money would have to go back on my card, and as there is no outstanding balance on the card then it will show as a credit, it can then be transfered back & then put into my bank account.

 

I have altered the acceptance form to include these details along with my sort code & account number.

 

I hope they cant go back on her word.

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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This is why I start new threads! otherwise an urgent query will not get read & responded to !

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Bump !!!!!!!!

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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What "urgent query" has not been responded to?

 

Why are you BUMPing the thread?

 

You asked something, Michael answered in post #82, you thanked him in post #83 so you must have read it, so what are you waiting for a response to?

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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What "urgent query" has not been responded to?

 

Why are you BUMPing the thread?

 

You asked something, Michael answered in post #82, you thanked him in post #83 so you must have read it, so what are you waiting for a response to?

 

There is really no need to be that abbrupt. I simply PM'd you to explain why I started a new thread - in order to get a response quicker than if I had added to the existing thread.

 

If you have a problem with that then tell me personally.

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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I haven't mentioned a PM - I was asking why you are BUMPing the thread and saying you need somebody to answer your "urgent query". I wanted to know what the "urgent query" was so I could try to assist, but I can't see any unanswered queries on your thread so am at a loss as to what you are referring to.

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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Michael responded to some of my other queries but as I explained earlier I have sent the wrong letter to my credit card company & my Argos Card Services.

In the Templates Library It is headed "Credit Card & Store Card Letter" so I sent it thinking it was the 1st one to send. I found out today that in fact it is the LBA . If I recall correctly, Michael didnt respond with anything to do with that - his response was regarding my Settlement Acceptance Form.

 

The Halifax Visa Account doesnt matter now as I have been offered the full amount. With Argos I havent heard anything & iI am now wondering if they know I have sent the LBA instead of the correct 1st letter.

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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:) Hi Lisa 1977,

 

I was wondering as I have a argos card, and notice each month my amount owing in hardly coming down can I ask if you dont mind, are they charging you something you did not know off at first? that i could be missing?

 

Lisa

Request for all charges sent dating back 6 years 18/9/06

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:) Hi Lisa 1977,

 

I was wondering as I have a argos card, and notice each month my amount owing in hardly coming down can I ask if you dont mind, are they charging you something you did not know off at first? that i could be missing?

 

Lisa

 

Hi Lisa

 

If you say your balance on your Argos Card doesnt seem to be reducing then maybe your monthly installments are too low. Argos Cards have such a high APR that if you only pay the minimum, once the interest has been added you are back to square one! I am not aware of any hidden charges. :)

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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  • 2 weeks later...

OK guys, tomorrow is MoneyClaim day for 2 of my claims. My question is, is it essential that I fill out & send the form online before 12 midday ?

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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don't think it matters Lisa, I did mine last Saturday

 

As far as I'm aware, you can submit claims 24 hours a day

"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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thanks allot Brad

 

was it straight forward ?

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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very straightforward...even for me

 

if you like, you can make a start on it and it saves your progress so that you can continue it. I started doing mine at work on Friday and Saturday all I had to do was tidy it up and pay for it. Might be worth doing, that way any questions you've got you can ask now, just in case they can't get answered straight away.

"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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Hi I am in the same boat as you i asked for my 6 years statements from the halifax they cost 5 pounds and it is really easy to see which are the bank charges but i am still awaiting a reply about refunding my money ...been 2 weeks now and heard nothing

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Right Guys I am filling in my Money Claim form & as i am not claiming the interest is the following ok ...

 

1. The Claimant has an account ******* with the Defendant, opened 03/03/97.Since 31/05/01 the Defendant debited charges and interest in respect of purported breaches of contract.3.Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £367.00; Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

 

I have obviously edited it to suit but want to know if i have deleted anything that is vital ? Also what do I need to do to claim back the postage fee's & court costs as I cant see anything in this paragraph that mentions that ?

 

Thanks so much guys

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Hi Lisa, I have just started my proceedings and like you am extremely nervous about the whole thing!!! I emailed the halifax using notes from the templates asking for my statements, they have replied to say that they have "passed this request onto the relevant department"

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