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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 
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    • 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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Bookworm v NWB - I'VE WON AND IT'S OFFICIAL!!!


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8) Hello, all.

 

This is it, my letter to NatWest is printed and stamped, thanks to the excellent template posted in your library (with the exception of 1 sentence "This money would be used in some way to clear my overdraft on this account", which is none of their d*mned business what I do with the money the sods took off me in the 1st place :evil: )

 

I'm starting with Natwest, as they're the ones closest to the 6 yrs limit, but as things progress, I will be going for *deep breath*: Barclays Bank, Barclaycard, Halifax, 1st National, GE Capital in different incarnations, and I forget who else at the moment, but just wait until I get my archives down from the loft :twisted:

 

Will let you know how I get on as soon as I hear. I've just come off a nearly 2 yr long battle against my local education authorities to get specialist provision for my son, so I am more than ready to fight the corporate so-and-sos! :wink:

 

xxx

ML

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Good luck. I've launched my attack on Nat West this weekend as well. I think I can only get them for about 6 months of charges within the six year limit. After that they closed my account and gave me all sorts of grief but unfortunately probably not the sort of grief covered by the issues here.

 

I've also ploughed back through my archives this weekend, read this site and the other site in detail. As well as Nat West I'm firing off recorded delivery letters to Southern Pacific Mortgages, Abbey National x 2 and First National Bank. My rough calculation is that between 2000 and 2004 when I sorted myself out, these people between them charged me about £7k in various fees. I want it back with interest and, quite frankly some apologies.

 

If I could find a way of going back more than six years, I recckon that I'd be owed another couple of grand.

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Dear Mr & Mrs xxx

 

Account no xxx sort code xxx

 

Thank you for taking the time to tell me about your concern. All concerns are important to me and I welcome the opportunity to address the issue raised.

 

I am not yet able to answer your concern fully, as I need to look into matters further. I will contact you again within the next 10 working days, either with a fulll response to your concern or to update you on the progress that I have made. However, if you need to speak to me regarding the matter, please contact me, or a member of my team, at the Wimbledon, Customer Lending Centre on 0845 300 9639 (Monday-Friday 09:00-17:00).

 

In the meantime, I enclose a leaflet, which explains our concern handling procedures for your information.

 

Yours sincerely,

 

Jenny Rolfe

Customer Care Team

 

Enclosure

Making things better - Customer Complaints

 

 

[*DEEP, DEEp sigh* :roll: ] Ah well... On to round 2, I guess...

 

xxx

ML

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Well, what did I expect... *SIGH*

 

Answer frm NWB:

 

Dear Mr & Mrs ...

 

yaddi-yadda-yadda, bugger off. (I paraphrase :D )

 

Only points of interest: "after investigating your account transactions over the last 12 months, I can see no record of any charges being applied to your account. However I have found that you were refunded a charge of £28 on 15 March 2005".

 

Well, which is it? Are they now refunding me without charging me 1st? Dumbass!

 

Also: "i can see we have been issuing your monthly statements to your home address, should you require for duplicates [their atrocious grammar, not mine] of these statements to be issued to you again pls do not hesitate to contact one of our advisers who will be happy to order these for you. "[on an 0845 number, natch]

 

Finally: "I am sorry that you are very unhappy with the Bank's standard rate of charges and will be seeking advise [sic] from an external organisation, bla-bla-bla".Now that intrigues me, and I know that that never was in previous letters. I wonder what it could mean...

 

Of course, no mention of my DPA request, the fact that I asked for 6 yrs worth of info, not 12 months, the threat of lawsuit...

 

Right, on to letter before action then, and remind them the clock is ticking on dpa request. (I'm off to Venice at the weekend, so all lawsuits will be launched on return, they've just got 1 week reprieve thanks to that.)

 

xxx

ML

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Well, what did I expect... *SIGH*

 

Answer frm NWB:

 

Dear Mr & Mrs ...

 

yaddi-yadda-yadda, bugger off. (I paraphrase :D )

 

Only points of interest: "after investigating your account transactions over the last 12 months, I can see no record of any charges being applied to your account. However I have found that you were refunded a charge of £28 on 15 March 2005".

 

Well, which is it? Are they now refunding me without charging me 1st? Dumbass!

 

Also: "i can see we have been issuing your monthly statements to your home address, should you require for duplicates [their atrocious grammar, not mine] of these statements to be issued to you again pls do not hesitate to contact one of our advisers who will be happy to order these for you. "[on an 0845 number, natch]

 

Finally: "I am sorry that you are very unhappy with the Bank's standard rate of charges and will be seeking advise [sic] from an external organisation, bla-bla-bla".Now that intrigues me, and I know that that never was in previous letters. I wonder what it could mean...

 

Of course, no mention of my DPA request, the fact that I asked for 6 yrs worth of info, not 12 months, the threat of lawsuit...

 

Right, on to letter before action then, and remind them the clock is ticking on dpa request. (I'm off to Venice at the weekend, so all lawsuits will be launched on return, they've just got 1 week reprieve thanks to that.)

 

xxx

ML

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Natwest

Customer Lending Centre

P.O Box 25723

St Georges House

5 St Georges Road

Wimbledon

London SW19 4WL

 

LETTER BEFORE ACTION

 

Thursday, 23 February 2006

 

Account Number: xxxxxxxx Sort Code: xxxxxxxx

 

Dear Ms. Edwards,

 

Thank you for completely ignoring the contents of my previous letter.

 

1st point: I did not ask you to review our account for the last 12 months. I am perfectly aware that our account with you has not been an issue for the last 12 months, as we only use it as a back-up account, having moved all our business, including our mortgage to another lender 3 years ago, precisely because of the inept fashion in which you conduct business, and your letter is not about to prove me otherwise.

 

Incidentally, I would like to know how you justify the 2 following sentences: “I can see no record of any charges being applied to your account in the last 12 months” and “I have found that you were refunded a charge of £ 28 on 15 March 2005” in your letter?

 

2nd point: I asked you for our statements, or I should maybe have been less specific, a list of all transactions and charges applied to our account for the last 6 years. I did state that this was a request under the DPA, and as such, you have 40 days to comply. May I remind you that the clock is ticking and that as at today’s date, you have less than 25 days to comply.

 

3rd point: Would you like to clarify your statement that “I am sorry that you are unhappy with the Bank’s standard rate of charges and will be seeking advice from an external organisation”?

Which organisation would that be, and why would they be looking into your standard rate of charges? Please enlighten me.

 

4th and final point: I clearly stated in my letter that I was seeking recovery of the punitive charges applied to my account over the last 6 years, and gave you 7 days to comply within receipt of that first letter. As you have failed to do so, and are further indicating in this present letter that you have no intention of doing so, you leave me no choice but to start proceedings in the County Courts. You may of course halt these proceedings any time by paying me back aforementioned charges.

Please be aware, however, that once I have filed a County Court claim, I shall also expect you to pay for my court costs and the 8% interest on the charges, as stated in my previous letter.

 

Yours sincerely,

 

xxxx

 

==================

AAAAAHHHHH, after so many years of going to them cap in hand, that feels GOOOOOOOOOOOOOD! :twisted:

 

xxx

ML

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Natwest

Customer Lending Centre

P.O Box 25723

St Georges House

5 St Georges Road

Wimbledon

London SW19 4WL

 

LETTER BEFORE ACTION

 

Thursday, 23 February 2006

 

Account Number: xxxxxxxx Sort Code: xxxxxxxx

 

Dear Ms. Edwards,

 

Thank you for completely ignoring the contents of my previous letter.

 

1st point: I did not ask you to review our account for the last 12 months. I am perfectly aware that our account with you has not been an issue for the last 12 months, as we only use it as a back-up account, having moved all our business, including our mortgage to another lender 3 years ago, precisely because of the inept fashion in which you conduct business, and your letter is not about to prove me otherwise.

 

Incidentally, I would like to know how you justify the 2 following sentences: “I can see no record of any charges being applied to your account in the last 12 months” and “I have found that you were refunded a charge of £ 28 on 15 March 2005” in your letter?

 

2nd point: I asked you for our statements, or I should maybe have been less specific, a list of all transactions and charges applied to our account for the last 6 years. I did state that this was a request under the DPA, and as such, you have 40 days to comply. May I remind you that the clock is ticking and that as at today’s date, you have less than 25 days to comply.

 

3rd point: Would you like to clarify your statement that “I am sorry that you are unhappy with the Bank’s standard rate of charges and will be seeking advice from an external organisation”?

Which organisation would that be, and why would they be looking into your standard rate of charges? Please enlighten me.

 

4th and final point: I clearly stated in my letter that I was seeking recovery of the punitive charges applied to my account over the last 6 years, and gave you 7 days to comply within receipt of that first letter. As you have failed to do so, and are further indicating in this present letter that you have no intention of doing so, you leave me no choice but to start proceedings in the County Courts. You may of course halt these proceedings any time by paying me back aforementioned charges.

Please be aware, however, that once I have filed a County Court claim, I shall also expect you to pay for my court costs and the 8% interest on the charges, as stated in my previous letter.

 

Yours sincerely,

 

xxxx

 

==================

AAAAAHHHHH, after so many years of going to them cap in hand, that feels GOOOOOOOOOOOOOD! :twisted:

 

xxx

ML

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You could tell them that you also will be seeking advice from an external organisation - HM Courts Service :twisted:

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You could tell them that you also will be seeking advice from an external organisation - HM Courts Service :twisted:

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Hi

Want to send a letter for my wife...what is the best address for stage 1??

 

also

 

I used to work for Natwest(I know,I know) but in mortgages, but knew and still know a lot of the premium and bank managers.Believe it or not the are in the main nice people who are being constantly hit over the head by Natwest to achieve unreasonale targets.They are told not to refund charges and in fact are pushed to charge more for(business)overdarft renews and biz loans.Most of these people are there becuae they have been tied in just like customers are with charges.

 

I personaaly found Natwest ok to work for before RBS took over.They are not run by senior manager without the first idea or care about customer service...it is all sales,sales,sales!!!

 

rant over.

 

PM me if you need any natwest inside info and I will try and help. :D

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Hi

Want to send a letter for my wife...what is the best address for stage 1??

 

also

 

I used to work for Natwest(I know,I know) but in mortgages, but knew and still know a lot of the premium and bank managers.Believe it or not the are in the main nice people who are being constantly hit over the head by Natwest to achieve unreasonale targets.They are told not to refund charges and in fact are pushed to charge more for(business)overdarft renews and biz loans.Most of these people are there becuae they have been tied in just like customers are with charges.

 

I personaaly found Natwest ok to work for before RBS took over.They are not run by senior manager without the first idea or care about customer service...it is all sales,sales,sales!!!

 

rant over.

 

PM me if you need any natwest inside info and I will try and help. :D

 

You are hijacking an existing thread. This makes mnore work for people who advise you and for those who want to follow your story.

DON'T DO IT :x

 

You may atone buy contributing to our law book fund. Click the www below this post

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alright..calm down big boy!!!

 

That's fine - what about the law book contribution?

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Blah-di-blah-blah... I've had 2 further letters now, one saying they're looking into it, another to say "charges are fair, reasonable and transparent ... we're satisfied complies with all applicable laws and regulations... committed to ensuring the transparency of the information we give to our customers..." etc, and so on, ad nauseam...

 

Funny bit: "Against that background, we must differ with the views expressed in your letter"

 

Relevant bit: "As you have requested, I have arranged for your account statements for the last 6 yrs to be ordered, these will be sent to your home address shortly".

 

(They'd better hurry, time is ticking!)

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Relevant bit: "As you have requested, I have arranged for your account statements for the last 6 yrs to be ordered, these will be sent to your home address shortly".

 

And they can't even get their own stuff right!!!! :shock::shock::shock:

 

Just received post, statements going back to ...... ? Yep, 2002! ARRRRGGGGHHHHHH!!!!!!!

 

I'm off to phone them to find out if there is the slightest chance a 2nd batch is on its way?

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Ok, this could be useful info for others too:

 

The reason given is that info from 2002 is quicker to retrieve, due to change in system, and the rest should be coming in the next few days. So anyone else awaiting on NWB, take note. :)

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  • 2 weeks later...

WELL....

 

Out of the goodness of my heart, I phoned NW today to remind them that they have now 3 days left to send me the rest of my info or I would report them to the IC for non-compliance. Oh dear...

 

Chap I spoke to said: I see the downloaded letter you've sent us, yes.

Me: Sorry, it's not a downloaded letter.

Him: (patronising snicker): Oh? Well, we're getting a lot of identical ones at the moment, all coming from the same site.

Me: Well, I am a contributor to that site, and I don't download the letters, I create them for others to download. [sorry, B/F and Dave, couldn't resist :p ]

Him: .... *total and long silence*... erm... well, anyway, I'll order the info for you.

Me: Well, that's fine, but remember you have had 37 days now, so if it's not with me within 3 days, I shall report you to the IC for non-compliance. You've had plenty of time, so it's really not my problem, is it?

Him: Well, I'll tell you what, I'll order them to be sent here to me, and send them myself, and phone you as soon as I have them, would that be ok?

Me: (sweetly) Yes, that's fine, thank you for your help.

 

*hangs up, does little triumphant dance around house* OOOOOOHHHHH, THE POWER!!!!!!!!!!!!!!!!!!!!!! :twisted: :D :twisted:

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This isn't supposed to be fun you know... :)

 

No, but it can be at times.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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WOW!! You go man!! 8) So let me got this straight, you sent them the letter above, plus called them and out them in their place, and you was able to get all your statments up to 6 years previous, without having to pay "3% for every 6 months"???!!!

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Well, I will do when I receive them tomorrow, as per phone call this morning :lol:

 

On checking my account, I can see they have taken £5.

 

Under a DPA request, the maximum they can charge is £10 for 6 yrs. Don't let them tell you otherwise.

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