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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
      • 162 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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New claim for £335 - starting tomorrow!


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I would like to share my experience with you. Over the last month HSBC has realised that I will not use the account anymore and they are literally charging me for breathing. Returned SO, reversed returned SO, mistakes after mistakes (which they admit later...).... so I decided to go for it and send them a letter. I will send it off tomorrow. I am a bit scared about it, but that money is legally mine and I want it back. Please share your experiences with me!!!

 

Many thanks

 

Deli

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Thanks!

 

Update: I have called HSBC on Thursday and spoke to a girl called Nicky. I started to go on and on about the charges, but she told me that the charges are legal (not convincing!!) and that I need to contact customer services blahblah which I did. Address below.

 

But before going further, a little note. They have charged a reverse charge of £30 for returning a S/O. When I called them on THAT DAY, the customer services guy OFFERED to reverse it by tomorrow. With no explanation. Without me asking. I think this is just further proof that the charges are illegal and they are scared of dissatisfied customers. I hope this is enough encouragement for everybody!!!

 

So, then: HSBC Customer Service (note: this is not number 1 canada square where mr imaginary bowden resides, its number eight!

 

 

The Manager

HSBC Bank plc

Customer Relations

8 Canada Square

E14 5HQ

 

Good luck everybody, I am feeling very confident now!

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nobody's interested in me? ;)

 

Update: they have sent me sweeter than sugar letters about almost everything now - how sorry they are that they called me on my home number, wont happen again, how happy they are that I contacted customer services, they hope I got satisfactory reply, etc - but no acknowledgment of my letter re charges.

 

I have taken then matter further and sent copy of the letter to the three email addresses that we have here. Let's see what happens. Can't bloody wait… a ridiculous charge of £75 is due to my account next week.

 

Please help, I don't know what to do next. What if they ignore me completely?

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Have you read the FAQ's? Which letter have you sent, the template letter asking for your money back?

 

If so you should have given them 14 days to return the money, if they don't you then lodge a claim with moneyclaim, and don't forget to add the 8% interest. Don't mess about with them, you won't get anything back by being nice.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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yes I read it but when i called them they said they will reply within 7 days, that they have to...

 

I have called them again and they said a letter is on its way to me...

 

thanks, I will add 8% too.

 

and thanks for writing to me!!

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Depends on the amount, i think it's around £30 usually.

 

Don't wait for the bank to refund the money just because you asked, you need to give them a date in writing (14 days from the date the letter is sent is fine) that you want the money refunded by, then you start court proceedings as soon as that date passes.

 

They will usually fob you off until you give them the good news from moneyclaim.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Hello

 

I have figured out that it would be fifty pounds to start a claim. That’s an enormous amount of money for me, so I don't know yet. I am still waiting for my first response though - they said it is on its way to me.

 

Maybe I will be offered part of the claim as settlement as other people have been offered here - then I won't need to file a claim. We'll see! Thanks a lot for your advice!1

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Still haven't received letter. But a customer services assistant from my branch called me. I told her to stop the pending charge. She will call back.

 

......

 

I am ready to go to court. They are bl**dy ******** Sorry.

 

 

MODERATED Whilst we fully understand how annoyed people are over this issue please do not use swear words on the forum.

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Just remeber the "they" are not the people you speak to on the phone :) They are just doing thier job -they need money to support themselves and thier families. If anything the "they" are the people at the top who you'll probably never get to speak to.

 

Neil.

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:)

 

I have received a reply to my email today. Still no reply to the hard copy letter. It was a standard "I am investigating, thanks for your patience and sorry you not satisfied" email. I have sent a letter back stating that i expect the money to be credited to my account by the 25th April (14 days from now.. plenty of time for them to investigate), or else I file a claim.

 

did I act properly?

 

moderator: you're right, sorry.... but they ARE starstarstarstar starstarstarstarstarstarstar starstarstarstarss!!! :)))))

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PLEASE HELP!

 

I have received no reply to my letter by post. I have received a reply by email when I sent copies of the posted letter. They said they will investigate (see above). My question is: Does this count as a proper acknowledgement? Does email count? I ahve read different opinions here. I have emailed her back that she has 14 days to transfer the money back or claim. Does this count? If after 14 days I file a claim, will it look just as good as if the correspondence had been hardcopy?

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In the frequently asked questions lies your answer:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=1

 

"Q. Do I have to send a letter before action?

A. You should give the bank written notice that you will be suing them. However there is no reason why you should not give them this by email."

 

 

and

 

"Q. Can I use email?

A. Try to use email whenever you can. However, the banks are not keen on it and don't normally reply with email but don't worry. Look around on The Bank Action Group forum for information on bank email addresses. According to the Civil Procedure Handbook, email is an acceptable way of contacting a second party."

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Not as much as the £335 they owe you.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Please help! Received my second letter, they offer me 250 (claim for 410). Please help. Is there a template letter that I can send that I want the full amount? I dont know what to do, I am happy they are offering settlement!!!! Please let me know what to do, I am panicking!!!!!! I really wouldnt do money claim online if I dont have to... what if they withdraw this offer?? HEEELLPPP!

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Responded to in your other post....

 

Please stick to one posting for your queries...

 

John

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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REPLY:

 

 

Default Re: Please help -* they are offering settlement, don't know what to do!!!

Keep calm - there's no rush..

 

You have to ask WHY the bank would offer this amount if they were in the right?

 

They do so because there is a chance that people will panic (which you might be doing) and accept it - saving themselves a small fortune.

 

Whilst it is always your call, my advice would be to reply to their offer, accepting the sum ONLY on the basis that you will continue to claim the remainder.

 

Banks do not have a defence to their charging policy, so meeting you in court and explaining themselves is something they wish to avoid at all costs, i.e. the settlement they have proposed.....

 

If you decide to accept it, you must finally be aware that you must not sign any settlement agreement that makes you agree to acceptance of further charges, or keeps you quite!!

 

The choice is your - but why let them keep some of YOUR money, when they are clearly in the wrong?

__________________

.

.

Halifax charges = £2,024.00

DPA request sent 11 March - received by recorded delivery 13th March. Arrived 19th April

 

Prelim letter sent 20th April....... SPECIAL DELIVERY !!

 

 

 

OK I posted this here because the other one was closed.

 

Thank you VERY MUCH for your advice, you are right!!!! Also my friends say that I should go for the whole amount. So I send them a letter only saying that thank you, I accept only on a basis etc... nothing else? Please bear in my that my deadline for making the claim is the 26th. What if they do not receive my reply till then? or they do but I dont receive their reply?

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