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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
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    • 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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Me Vs RBOS - The ball is rolling **WON**


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Sorry, I meant 20th October he was out the office until.

Alison

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Received acknowledgement from Ross McDonald.

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Here was my reply from Tommy....

 

Subject:

Out of Office AutoReply: Refund Of Charges - Letter Before Action

 

I'm out of the CRU on AL, returning on Monday, 30 October. If you need a

response on a general CRU matter, please e-mail Ross McDonald (or contact

him on 0131 523 3240).

 

Wonder how quickly I'll hear something.:confused:

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Don't believe it is just one person that decides this!

No wonder he needs a holiday ha ha ha ha

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Well, I got my offer of settlement at the weekend - just over 50% of the claim value. Obviously I can't accept this, but it is reassuring to see that RBOS seem to be coping with the undoubted volume of work and hopefully I may get this done and dusted soon. If not, then court claim is issued on 7 November (forms already partially filled in, just in case!)

 

Onwards and upwards

 

j

 

ps. Hope this online "diary" is helping others.

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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WeeJ

I have just been onto MCOL and it states it has to be an english or wales address? What did you do?

Also what address did you use for RBOS to claim?

Thanks

Alison

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Going through MCOL, you need an English address for correspondance etc.

 

I will be going through the Sherrif court under summary cause for the first lot (£1500) if they dont settle beforehand.

and my claim is with TMcL's office at:

 

Royal Bank Of Scotland

Customer Relations Unit

Retail Market support

Ground Floor

The Forthstone

56 South Gyle Crescent

Edinburgh

EH12 9LE

  • Confused 1

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Cheers

I don't have an English address so will have to claim through small claims court in Edinburgh.

Think it will have to be 4 seperate claims!?!

Might settle in full beforehand but if they don't I could do with the extra £500!!

Alison

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Alison, as your claim is under £3000 before any interest, you can claim in 2 lots, not 4:D . Summary cause ceiling is set at £1500 before interest and is the way I will be proceeding if needs be.

 

Claiming under Sum Cause is not much different from small claims, but we can talk about that further if it goes that far.

 

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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OK, so after reading and getting advice from other forum members, I went into the bank yesterday and handed over the DP form requesting full details of charges over the past 5 years. They are charging me £20 as I have 2 accounts...Is that right? They will debit the amount from ny account.

This morning, a letter arrived (1st class) which was partially hand-written, not dated and did not have a post office frank over the top of the envelope. The letter said they wrote to me to arrange a banking "review" recently as they feel it could have been of great benefit to me...etc...etc. If I would like to make an appointment please call. The thing is, I never received that letter in the first place.

Just a coincidence???? Has anyone else received this?

I'm not sure whether to:

a) make an appointment

b) write saying that I will do a review once current "enquiries" are resolved

c) Ignore it

 

Any advice will be great.

:confused:

Hi Gerard Dobbin here. I am taking on the RBoS too and i paid only £10 for all charges against me. These charges came from two accounts so no they cannot charge you for each one. I also recieved information regards a loan they forced me to have to clear charges.

My advice would be to ignore them and go through the step by step letters to claim your charges back.

 

Good luck

 

Gerad Dobbin

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Cheers Weej, will get it touch if I don't hear anything by Friday - D Day!!!

Alison

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Cheers Weej, will get it touch if I don't hear anything by Friday - D Day!!!

Alison

 

Mine is Monday 6th

 

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Gerard. SSSHHHHH!!!!!!!

 

 

RBoS seem to have forgotten to take my £10 SAR fee.

 

I just happened to forget:rolleyes: mentioning it.

 

Well Alison, wont be long for you now........if I dont hear from Tommy by Monday latest, all I have to do is sign a form!

 

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Just waiting for the next letter from the "big MAC"

 

Any joy your side, Alison? I reckon he only has 2 working days to reply to me then its interest "et al". woohoo.

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Its now 3 weeks since I handed in my S.A.R - (Subject Access Request) at the branch. Still not a peep. Should I give them more time or send them a little "reminder" that the clock is ticking? Is anyone else getting a quicker response to RBOS SAR

 

I had my response within 4days from RBoS, and i only paid £10.00 for statement information from 2 accounts and loan information. So all in all i recieved 3 lots of information for £10.

 

gerarddobbin

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Guess what - They're paying up.....WOOHOO:D :D :D :D :D

 

Who's the daddy?, Who's the daddy???!!!

 

 

Just got to sort out some of the smaller details (terms and conditions etc)

 

There was a letter waiting on the doormat from "Big Mac" (a very very nice man;) )

 

Needless to say, when all is done and dusted, the donation will be made.

 

 

 

Now who's next in the crosshairs?

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Guess what - They're paying up.....WOOHOO:D :D :D :D

 

quote]

 

Hey well done!! :) - been keeping an eye on your thread as I too have RBS to take on - both Mastercard & Bank account ;)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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hi guys

 

just want to give you all some encouragement

 

I put my first letter to lloyds middle of october for 2 different accounts - one for 2300 & one for 5000

 

they sent me sod off letter 3 days later

 

i then immediately sent lba letter - 3 days later i received 2 offers of - 1500 & 2300

 

I immediately sent letter of refusal back wednesday of this week - today I received offer letter for full amounts on both accounts and cheques will be with me this week

 

cant believe how quick they are payin out

 

i have another claim with lloyds which is for 3k - started this in july have a court date of january 2007 - they are worst ever - rbos have been fantastic

 

may i add my account has been closed for the last 3 years with rbos.

 

STICK WITH IT YOU WILL GET YOUR MONEY !!!

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Hi Clare,

I'm a wee bit confused by your post (so confused I said hi twice)

 

Did you have 2 claims with RBoS? and 1 with lloyds (going to court)?

 

Did you just respond on a letter by letter basis, and if so, why not wait for 14/28/40 day notice periods?

 

Sorry for stupid questions, we're just at the very begining of the process!

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HI THERE

 

had 2 current accounts with rbos and they paid out both in full after LBA sent. no court contact needed.

 

had an account with lloyds tsb i sent them LBA in july and i am going to court in january 2007 as they are still defending charges.

 

hope i explained better

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forgot to say:

 

didnt stick to dates as when they replied to my first letter they basically said 'sod off' and no further reply would be given so i felt there was no point in waiting the extra days and issued the LBA immediately and gave them 5 days notice befor court proceedings and that is when they paid up.

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It seems that wherever you go on this site, each Bank's thread throws up the same people's names over and over again.

 

Whilst some people do seem to be "jobsworths", I really do think some bank employees should get credit for being helpful. My first example is RBS's Tommy McLean.

 

Let's be honest.... how many people who have slated him would rather have had their claim passed to "Cobblers" and been strung out as long as humanly possible. The bottom line is that , in my experience, "Big Mac" has been prompt and courteous, whilst operating within the undoubted confines of his banking bosses instructions. I therefore think it would be a good idea to play the "Chewing The Fat" game of Good guy/ W..k

I'll kick the ball off with - Tommy McLean......Good guy.:grin:

 

 

Next?

 

 

please note that any additions/ opinions on this thread are purely subjective and nothing at all to do with me...Honest! ;)

 

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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It is nice to see a thread where the poster realises that people have a job, and that whether you like him in the case of Tommy McLean or hate him, he is just doing the job he is paid to do. Good thread starter pity it isn;t in the General Section for others from the other banks.

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