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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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Quinn v NatWest. *** WON ***


quinny1
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Well,after reading this site,the time has come for the wife and me,to reclaim the stand and deliver fees,that the NatWest have levied upon us,in all the years that we have had an account with them.

 

The S.A.R - (Subject Access Request) letter has been drafted,and will be posted,recorded delivery,tomorrow,and the process will then begin.

 

An update will of course be posted,in accordance to the events as they unfold.

 

Could be an interesting one though,as we have had an account with them for 20 years.

 

Wish us luck.

 

Next stop:The Halifax.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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good luck quinny1. I sent my SAR request to Nat West on the 28/7, still not heard anything.

Cap One (me)

Data Protection Act sent 15/08

Prem letter sent 23/09 £800

Partial offer £312

LBA sent 04/10

File at court 27/11

/B/C (me)

Data Protection Act sent 18/08

Account pre may 04 ordered statements

11/09

 

B/C (old mans)

Data Protection Act sent 18/08

missing statement letter 29/08

Prem letter sent 26/9 £500 + £1172.00 Est

 

Nat West (joint)

DPA letter sent 28/07

LBA non-compliance letter 11/09

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Thanks Wendy.

 

S.A.R sent today by recorded delivery,so I wll update once I know they've signed for it.

 

There's no going back now!!!!

 

Just been talking to a friend of mine,who was totally oblivious about all this,and he has asked for the link to the site,so I will be sending it to him.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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My S.A.R was delivered today,according to the Royal Mail website.

 

I quote:

 

Your item with reference DH*********GB was delivered from our EAST LONDON Delivery Office on 22/08/06.

 

The 40 days,start from now.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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  • 2 weeks later...

Well,I have an update.

 

Copies of the statements for the bank account arrived today,so fair play to them for getting them to our house in such a short space of time.

 

Unfortunately,because I'm working over the weekend,it will be Monday before the wife and I can go through them.

 

I'll let you know once we have done so,what amount they may owe us.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Change of plan.

 

She who must be obeyed,decided she wanted to go through them this evening,and we've come across £1195 in charges.:eek:

 

However,we now have to go back and re-check,and deduct the AG fees that we had,as at one point,the Nat West started to lump them together,and we will have to seperate them from the O/D fees,but we still reckon on them owing us circa £1000.

 

More later.........

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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  • 2 weeks later...

Update:

 

We've now sat down and calculated it all properly,and according to our figures,they owe us £985.

 

We've put it all together,using the spreadsheets,and will send it to Bishopgate tomorrow,and see what happens.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Further update:

 

Got the,'We are not to blame' letter today,and interestingly,one of the paragraphs in it reads:

 

'Having reviewed your accounts,I can find no instance where charges have been applied when they were not properly due.They have all beena ssociated with a lack of covering fundsin the accounts at the time items were presented with payment.Accordingly,the charges applied to your accounts,must stand.'

 

Furthermore:

 

'In your letter you have claimed that we have been acting as your fiduciary,yet I am unsure of the basis of your contention.This does not form part of the normal banker/customer relationship.'

 

I also note that they do not accept the OFT's findings,of the 5th of April.

 

So what is my next step,people?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Ok, get the letter together and send in the LBA letter which can be found in the Templates Library in my signature at the bottom of this post. Send that in inluding the spreadsheet including all your calculations but not the 8% interest as this is only claimable at court. You can send this LBA letter from now as they have responded to your intial letter.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Thanks for that.It will be on it's way tomorrow.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Well,I'll say one thing,they're on the ball.

 

Got the 2nd 'Get lost' letter today form Stuart Higley again,and it reads like this:

 

Dear Mr Q.

 

Thank you for your letter of 25 September 2006.

 

I regret that there is little I can add constructively to my last letter and note your proposed course of action.I have alerted our lawyers and litigation department accordingly.May I please remind you that the address to use when initiating legal documents is that of our registered office below.

 

Thank you for letting me know of your intentions.

 

Yours sincerely

 

Stuart Higley.

Customer relations.

 

So now we've got to this point,what is my next course of action?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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btt

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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  • 3 weeks later...

Been away,and not been able to complete the MCOL.

 

Had a look at it,and it's so confusing,and mind boggling.

 

Can anyone assist me with it?

 

Thanks in anticipation.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Got to the particulars of claim page.

 

What do I do now?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Yes been there.

 

When sending my original request to the bank,I did the spreadsheet,without the days accrued,and intrest charges,as advised,but when I now go to copy and paste the details to a new spreadsheet to include the days and interest,it doesn't calculate them.Why?

 

Also,can I copy and paste this information to the MCOL page when I'm making the claim?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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S/s problem: No idea, Im clueless on s/s All i can suggest is to enter everything again on a new s/s

 

You don't have enough room on MCOL for particulars of claim and schedule.

 

After filing send 2 copies to MCOL clearly marked with your claim no.

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

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Right.

 

Managed to do the days and interest calculation,which I may add,put on another £200 in interest.

 

I'm now guessing that it will be too long to copy and paste to the MCOL site,so will I have to print it off,and send it to the local county court,and if so,with what information,bearing in mind,that I have started the process on line.

 

So many questions........

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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So in the particulars of claim page,do I just put 'Reclaiming of bank charges'?

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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Superb.

 

Thanks with your help.Form now complete,fee paid,copies printed and ready to send off to MCOL.

 

Ken.

S.A.R sent Monday 21/8/06,by recorded delivery.

S.A.R delivered Tuesday 22/8/06.

Statements arrived today,1/9/06

Prelim letter sent by recorded delivery 16/9/06

'Get lost' letter received 21/9/06

LBA sent 25/9/06

14 day LBA deadline expires 9/10/06

2nd 'Get lost' letter received 29/9/06

MCOL completed and sent 16/10/06

Notice of Issue arrived 18/10/06

AQ sent back to court,and letter sent to Cobbetts 25/11/06

Cobbets AQ received 7/12/06

Offer made 14/12/06,and declined

16/01/07 Still awaiting a better offer

Success.£1425.42 delivered this morning.

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