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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
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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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Beanie v Halifax ***SETTLED IN FULL***


Beanietdc
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Just had a mail from MCOL to say that they are withdrawing and refunding so I will start again when I get home tonight!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Well it's all happening now. I have withdrawn the court case and then we get home and found a letter from the Halifax saying how sorry they are that we didn't accept the offer of £200.... and try again with £598.... umm....nope.

 

MCOL take 2 tonight!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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OK then, here are my "revised" particulars of claim using Jonni2bads template... can someone please tell me that I got it right this time!:rolleyes:

 

1. The Claimant has an account a/c no here with the Defendant, opened 2002 2. Since 12/06/02 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1997; (b) Interest per S.69 County Courts Act 1984 of 8% - £395.92 continuing at 8% until judgment or settlement at a daily rate of £0.43; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

 

Obviously I have put the account number in the claim... just didn't want you all raiding his account! :D

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Looks ok to me ! same as what i put and got aknowledment today!

Prelimary sent 18/9/06

:-)

£420 first offer 30/9/06 :mad:

LBA & partial acceptance sent 2/10/06:-)

Halifax acknowledge refusal of full and final settlement 5/10/06

Money claim issued 10/10/06

Acknowledged by Halif%&ers 12/10/06

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That's good enough for me - off I got to find the boyfriends bank card!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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any news beanie?

 

i got papers through from court on saturday, hopefully a letter in the post from halifax tomorrow.

Prelimary sent 18/9/06

:-)

£420 first offer 30/9/06 :mad:

LBA & partial acceptance sent 2/10/06:-)

Halifax acknowledge refusal of full and final settlement 5/10/06

Money claim issued 10/10/06

Acknowledged by Halif%&ers 12/10/06

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Nothing yet but MCOL only processed it Friday - there could be some post waiting when we get home tonight - will keep you posted.

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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I lied - after my last post my other half told me that he did get a letter from the court on Saturday (I went away for the weekend) so we will see what happens next. Boyfriend has been given his instructions for if the Halifax phone him!

 

When are you expecting the Halifax to cave in Jonny?

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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last saturday ! lol

 

keep expecting a letter any time now !

Prelimary sent 18/9/06

:-)

£420 first offer 30/9/06 :mad:

LBA & partial acceptance sent 2/10/06:-)

Halifax acknowledge refusal of full and final settlement 5/10/06

Money claim issued 10/10/06

Acknowledged by Halif%&ers 12/10/06

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Halifax acknowledged 18th October.... waiting for letter now...

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Got home and no post today... will be waiting for the postie to turn up tomorrow!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Had the letter from the court this morning notifying that Halifax intend to defend - is this still going according to plan? Do they say they will defend and then pay up?

 

Just want to make sure nothing unusual is happening with my case!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Hi Tina,

 

Glad you got sorted with your account number/MCOL thing - nightmare!

 

Yep, the intend to defend is competely normal - in fact to the best of my recollection the day that landed in the post was the same day the full refund landed in the bloke's account!

 

Keep an eye/ear on phone-banking! :)

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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Nope - still nothing. Getting a bit worried now....

 

I haven't checked todays post yet though.... I look forward to going home each night and then get disappointed all over again!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Hi Beanie,

 

Your on a similar timescale to mine. My MCOL ack on 13 October. I've not heard anything yet and nothing in to days post :(

 

My fingers have been crossed for so long it's starting to hurt now

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

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That's good to know Wicket - at least it isn't just me!

 

All the threads I read seem to show people getting full refunds within about 20 minutes of acknowledgement (or something) so I was feeling a bit left out of the party!

 

We can sit in the corner together!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Share on other sites

I had the same impression, most seemed to be settling within 7 days so to say I've been getting a little anxious is an understatement.

 

There are a couple more out there on the same timeline, again not yet settled, so as you say were not alone....just hope it's not a change in tact from hx. See off I go again - where's my finger nails gone?

 

good luck....going back to my corner now :)

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

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Nothing in the post again today.... sulk

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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Share on other sites

:( nothing in the post today - anything with yours beanie??

 

Does anyone know when halifax last settled a claim?

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

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Not sure about mine yet - postie comes after I go to work.

 

Will report back tonight though.... fingers crossed!

Claiming for BF.;)

(2006)

MCOL filed 13th October Total £2512.92:o :o :o

Deemed Served: 18th October

Acknowledged: 18th October (dated 17th)

Settled: 28th October

 

We won... of course!

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