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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
      • 160 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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TheGoodGirl v Alliance & Leicester


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Hi Everyone.

Here goes, my second claim. Only part way through my first, but having read so many positive posts on here, I felt the confidence to make a start on number 2!

 

Sent first letter last week requesting information and received neccessary Data Protection forms yesterday. Duly completed the forms, wrote the cheque and sent back straight away by recorded delivery.

 

Fingers Crossed.

 

The account is only 2 years old, so I do have most of my statements. My calculations so far suggest that they owe me around £2000.

 

Look forward to receiving all the files and asking them to

"SHOW ME THE MONEY!!!"

 

Isn't it a horrible feeling when you add up all those horrible charges??? If it weren't for the bloody damn things I wouldn't be in the situation I am in now. I dip in and out of my overdraft each month but never more that £500, but it's having a knock on effect on my credit cards (x4) which I haven't used for over a year (decided to make a concerted effort to clear them) but since A&L keep whacking on the charges which then make me more overdrawn, I then can't honour the DD's which in turn has caused no end of Unpaid DD fees with the Credit Cards, which have in turn pushed me over those limits, resulting in yet more bloody fees. Talk about Domino effect.

 

I'm earning in excess of £30k a year and I seem to be living on £400 each month, because A&L etc are supping up my hard earned dosh. EEEEEEEEeeeek!

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Know the feeling well Good Girl, although my outgoing are more than my incoming as often as not. Let us know how you get on.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Caro,

Thanks for your message. It's great to know there's so much support of this site. Having sent off the SAR. I found a few more statements last night, so I think I now have them all back to when the account was opened in September 2004. Total charges = £2216 !!!

 

Do you think I should wait until stuff comes back from SAR in case there are any discrepencies? Or carry on with LBA and schedule of charges?

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Start with the preliminary request for payment not LBA. You could do a schedule of charges to go with that with the information you have, and amend it at LBA and/or claim stage if you find any are missing when they comply with your SAR.

 

Check the FAQ's to make sure you are clear on the process for claiming.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Caro,

 

Thanks for picking up on that! I was a bit confused about another claim I am making against Barclaycard - I sent prelim in May and have only just received response. So I know now that next step on that one is the LBA.

 

Feel like I am getting to grips with it all now.

 

If I win all my claims, I will have paid off half my debts! What a great feeling that will be.

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Why have you left it since May. Your prelim should have given them 14 days and you have left it 4 months. If you expect them to take you seriously you must stick to the deadlines that you are imposing.

 

I repeat, go back to the FAQ's and step by step instructions so you know exactly what you are taking on. When it gets to filing in court you will not be able to be so complacent.

 

Sorry if this seems harsh, but this should not be taken lightly.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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When I sent the prelim letter in May, I had not fully prepared myself and read up enough on the step by step process. Had received letters from Bcard saying they were dealing with complaint. I know I'm a naughty girl for not doing my research and letting it slip, but have been reading loads this past week and ready to take them on.

Thanks for your advice.

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I'll let you off this once then, but I hope you take my point. Keep us posted and good luck.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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