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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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Bathgatebuyer v MBNA ** WON **


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Well, here goes nothing. What a god send this website has been. I have 3 MBNA cards, which had been relatively well managed until I gave up work a year ago to look after my father when he was ill. One of the cards is now closed and the balance of this never went over £1000, the second one is at £1200 (I think at one point it was up at £4000), and the final one has a balance of around £300 (being at one point around £6000). There were regularly late charges applied to the account, until I got so fed up of it and decided to just rearrange my finances (using a wonky endowment which I had already pulled out of) to clear large parts of these.

 

I'm convinced that there must be about £1500 worth of charges on these accounts over the years and have started the process of seeking to obtain a statement of charges from them.

 

I'll probably find out there's a hell of a lot more, but hey, it's my money and I'm not resting until I get every penny of it back.

 

Let battle commence.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Well done for taking the first step. But you might find that once you start it's quite addictive - it's so easy, it's difficult to stop. Today MBNA, tomorrow the world!

 

I'm doing reclaims for my close family, now I'm beginning to question all family members whenever I speak to them "Have you even had penalty fees from your bank or cc? Well, what you do is .......".

 

So far I have things under control, just a bit worried I'll get so carried away I'll go out on the street and start accosting strangers "Have you even had penalty fees....".

 

But, back to your claim, good luck and please ask for any help you might need.

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My DPA letter was sent recorded yesterday with a copy of my driving licence and the required cheque. It's great that other people have been through this and we can share info about these companies and the tactics they appear to follow.

 

I'm half expecting them to return the cheque and make a wee offer to settle going by some of the things other members are saying about them. Still, I'm in it for the long haul. They have my money unlawfully, I want it back.

 

On another point, I have also been pursued by MBNA and their collection people in the past, so can sympathise with those who are getting the hourly calls - usually starting at 8.01 am and continuing through to 9 at night. My home phone is still off the hook trying to escape from them, but by next pay day (after 3 months out of unemployment), I'll be back on an even keel and I'll be waiting for their offer to settle!!!!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hiya bathgatebuyer, good luck with your claim, I sent my DPA off on 23rd Aug so looks as though we will be on the same time scale, I will keep watch on yours it's nice to be able to see what others are doing who are on the same timescale, I am also claiming through Halifax at the mo, just done my claim through court with them so hopefully I am nearly there on that one!

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Funnily enough the Halifax are next on my list! I have had a current account with them since my days as a student, but I'm concerned that if I take action against them with that, they'll do something to the (very large) sum owing on my credit card account. I'm sure they must owe me thousands on my current account in charges though.

 

Will wait and see what happens with MBNA first!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hello i will be watching your progress as i have just sent off my SAR to MBNA. Just won against halifax, we got offer letter and they had actually put the money in account 2 days previous!!

First Direct Data Protection 5/06/06

SETTLED IN FULL 23/08/06. £4412.30 charges plus 8% interest and court costs .

OH Halifax Data Protection 05/05/06

SETTLED IN FULL 23/08/06 charges plus 8% interest and court costs £738.78

MBNA SSettled in Full before court action.

Yorkshire Bank - Pre lim stage

Royal Bank of Scotlcand pre lim stage

Argos Card Services pre lim stage

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  • 2 weeks later...

Nothing back from this lot as yet. I'm presuming the abacus they use to add up my charges doesn't have enough balls on it to reach my total.

 

Fortunately I have more than enough balss to follow through with my claim!!!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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That's me received the standard, "We got your letter, thanks.............will reply in 28 days". All very nice of them.

 

Gimme the money!!!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Noticed hat my 'thanks for your letter, we'll respond by the 28th' only made reference to one of the account numbers that I had given them. So, send them a wee reminder. Needless to say, it was the account that's been the least problematic they mentioned.

 

Still - gimme the money!!! (I need a new fridge and hopefully this should cover it!)

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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  • 2 weeks later...

Speaking of the 'least problematic account' that I mentioned, I have came hom today and received a list of charges on that account and an offer to settle of £640. Confusingly, they seem to have only provided charges for one account rather than the three, so I think I'll have to contact them AGAIN! They are prerilously close to the 40 day deadline for providing the info requested (after all, they only provided a third of what was asked for) so hopefully that will encourage them even more to just settle and make me a happy girl!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Nearly £1800 agreed over the phone today! Woo hoo!!!! Now just to wait and see my existing balance fall to zero and get the little cheque arrive with the remainder as night out money (not to mention a donation to the site!)

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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