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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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northern Bank charges reclaim **WON**


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excellent letter

i near lost my house over them

too late to go for them now over 8 years now

i was getting 400 a month of fees

and they sent letter to reposese house

i had to sell

so dont let them away with anything ltwfb

s.a.r handed to manager-2-8-06

aknowledgement letter recieved 4-8-06

letter from dpm 10-8-06

Data Protection Act - Non-Compliance 10 days left 29-8-06

statements recieved 31/8/06

prelim letter 1/9/06

letter recieved from cru 9/9/06

lba-sent 15-9-06

small claims started 17-9-06

agreed to settle

with condition removed that i cant make another claim

waiting for funds

part 2

small claims for £893 filed 14/10/06

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the more I get into all this,the more I dislike banks and credit cards-no sorry,not dislike-despise,that's the word I was looking for.

 

I have still had nothing from the Northern now for the past 2 weeks or so.....It won't look good if I produce a load of correspondence in court which I've sent to the Northern,and which they haven't so much as deemed necessary to even acknowledge.......they are making a rod for their own back,surely?

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I sent off a letter to the Northern last week,exercising my right of appropriation of state benefits paid into our account,requesting transfer into another account so that household bills can be met,due to the fact that they are being eaten up by charges and paying off an overdaft which consists entirely of unlawful charges.

 

Terry Shevlin,Branch manager has written back.He wants 2 signatures(my wife as well as myself) for an account which authorises transactions with 1 signature....

 

Also,when this is done,he will "give consideration" to my request.Since when did a bank manager have the authority to "give consideration" to my rights?????

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Big big surprise!!!

 

Northern Bank sent a load of stuff this morning.They are paying us £2888.30 in "full and final settlement" of our claim,taking into account £806 in further charges incurred since the claim was lodged.

 

They have also given notice that they are stopping the overdraft and closing the account in 30 days....that's another story of course.They also claim that they consider the 2 years SAR details furnished to us to be the end of the matter.

 

I think not........

 

Rushing to the bank this morning to lift the money and move it across the street to the Ulster :D

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yes Big Aid

 

I have been hassling them seriously of late,and we were fully expecting account closure.

 

We had an account sitting idle with the Ulster for months,and it's time to move in!!

 

Get stuck in guys and gals,-and I'm not finished with the Northern just yet. ;)

 

Thnx for the congrats-it's been a long struggle,but we are starting to win!!

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Great to hear your good news as another victim of the banks in northern ireland I have been following your case closely. Does anyone know of any one who has had a claim settled by the first trust?

Data protection act letter sent ,received partial info with 2 days to spare.

 

Preliminary Approach for refund sent 19/08/06 standard delaying letter received 25/08/06

 

Posted Letter before action 06/09/06

 

NI Small Claims Online 22/09/06 filed claim for£1977 with interest and charges comes to around £2800.

Return Date 26/10/06

 

Court Date Adjourned at direction of Judge awaiting OFT/Competition Commision report due March

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Excellent news on the Northern Bank!! The tables have turned. I got my letter from the ulster bank saying they would send out my statements as soon as poss. When u send the SAR is there a time limit for them to reply???

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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great news big lad

spend it wisely lol

not too much beer

s.a.r handed to manager-2-8-06

aknowledgement letter recieved 4-8-06

letter from dpm 10-8-06

Data Protection Act - Non-Compliance 10 days left 29-8-06

statements recieved 31/8/06

prelim letter 1/9/06

letter recieved from cru 9/9/06

lba-sent 15-9-06

small claims started 17-9-06

agreed to settle

with condition removed that i cant make another claim

waiting for funds

part 2

small claims for £893 filed 14/10/06

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Well done LTWFB!!

 

Bettyboop

Ulster Bank -

Data Protection Act Sent 16 June 2006

Preliminary Request for payment sent 5 Aug 2006 - £1690.02

LBA sent 17 Aug 2006

Claim submitted 27.9.06 Total £2439.45

Lloyds TSB -

Data Protection Act sent 9 March

Half statements received 5 July (half missing)

Prelim Req for Pay sent 9 August (partially estimated)

LBA sent 25 August 2006 (£393.00) missing statements received

Claim submitted 27.9.06 Total £556.79 Papers served - response date 26 December 2006

Capitol One

Full and Final Settlement received for £1095.23

Nationwide

Prelim Request for repayment sent 26 August 2006 (£1469.50)

LBA sent 15 September 2006

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hey LTWFB,

 

Congratulations first of all. not wanting to hi jack your thread but wanted to query something you wrote on here about track and trace? I sent and SAR to a mortgage co. and a CCA to a DCA which according to track and trace weren't delivered. (wasn't too upset cos I did send 16 Recorded Delivery letters that day!! I figured 87.5% was not too bad going!!) So, I filled in claim forms on Royal Mail website as advised by them and have since sent duplicate letters (complete with P.O's - Is there any way to trace encashment on these things by the way??) If these letters are deemed to have been received despite not being signed for, should I still stick to my original timetable, and what to do about the duplicates?

 

Any advice would be greatly appreciated if you have a minute to spare!?!

 

Thanx

Igroup - S.A.R - (Subject Access Request) sent 07/08 - not signed for so second sent 24/08 prelim sent 03/10 LBA prepared for Wednesday (if I can get my blinking printer working!!)

Gmac - S.A.R - (Subject Access Request) sent 07/08 - reply rec. 31/08 prelim sent 03/10 LBA prepared for Weds (subject to printer playing nicely!!)

Lloyds bank account - S.A.R - (Subject Access Request) sent 07/08 prelim sent 14/09 LBA sent 03/10 final go away letter received so now waiting for payday to start MCOL

Capital one V - CCA sent 07/08 - now in default

Capital one M - CCA sent 07/08 - now in default

Lloyds V - CCA sent 07/08 - info provided so now to S.A.R - (Subject Access Request)

Lloyds M - CCA sent 07/08 - info provided so now to SAR

Capquest/Citicards - CCA sent 07/08 - now in default

Cabot/Monument - CCA sent 07/08 - now in default

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i think i have seen it somewhere on the royal mail site that you can trace a postal order as long as you have the counterfoil.

this is the general idea of sending POs . with the new computerised postal order system this should in my view be just a matter of taking the foils to the office where you bought them

 

keep checking this thread to see that no-one says only joking.

still can't believe that NB caved in.

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Hi ba

thanx for your response on this, don't actually have any counterfoils as all mine were computerised from the post office? have scanned them all into the pc tho so can get copies and numbers etc. Will have a word with my friendly post office man on monday!!

 

Cheers

 

mickey

Igroup - S.A.R - (Subject Access Request) sent 07/08 - not signed for so second sent 24/08 prelim sent 03/10 LBA prepared for Wednesday (if I can get my blinking printer working!!)

Gmac - S.A.R - (Subject Access Request) sent 07/08 - reply rec. 31/08 prelim sent 03/10 LBA prepared for Weds (subject to printer playing nicely!!)

Lloyds bank account - S.A.R - (Subject Access Request) sent 07/08 prelim sent 14/09 LBA sent 03/10 final go away letter received so now waiting for payday to start MCOL

Capital one V - CCA sent 07/08 - now in default

Capital one M - CCA sent 07/08 - now in default

Lloyds V - CCA sent 07/08 - info provided so now to S.A.R - (Subject Access Request)

Lloyds M - CCA sent 07/08 - info provided so now to SAR

Capquest/Citicards - CCA sent 07/08 - now in default

Cabot/Monument - CCA sent 07/08 - now in default

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well done

it gives all those people in northern ireland plenty of hope in the uphill task of getting their money back good luck to you .you deserve it for all your knock backs you never gave up theres hope for us all !

paddy

if my advice has been of any help to you then please click the scales ! Thank you :D

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it looks like stage 2 starts today-iI gave them 7 days to provide me with the rest of my data(thanks for the info anaconda ;) )

 

no show-so it's off to court website again for the estimated part of the claim.

 

Does anyone have an amended form of words for the claim particulars which reflects that they have defaulted on the SAR and that the claim is for the estimated remainder?

 

help appreciated!!

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I've just done a spreadsheet of estimated charges,based on the charges over the last 2 years,for the 3 remaining years which Nothern refused to send me.

 

£1900 plus interest of almost £600 plus court costs!!!

 

From what I have heard,Northern might not be too keen on letting you see what internal memos say about you,judging from what they wrote about one customer I am in touch with.... ;)

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