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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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*WON* traceyrmj against Woolwich... bring it on! *WON *


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waiting and waitign and waitign for my statements, they have acknowledged my letter and returned my cheque but as yet nothign to work on but the one year of statements i can access online ( oh and they have added £105 in charges this month alone :eek: ) in the last year ( given that we spent half of it in credit for goodness sake!) they owe us about £700 already, cant wait for the rest of the statements.... 20 days and counting

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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closey, see in your sig you had to file a warrent? what does that mean, do i understand correctly that they lost the court case and even then still didnt cough up :o no! am prepared to take them to court but didnt think id have to worry about sending in the bailiffs

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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i thought we were supposed to keep it all in writing then you have copies of everything. if i call them they may try and legalease me :confused: rather stick to the tried and tested, might send ther SAR non compliance letter tho that might wake them up...

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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no but there is a letter for "tiem is running out you have XX days to comply" in there, that might gee them along

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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list of charges received ( not a wedge of statements :) ) will calculate the damage in a mo but they assert in a letter accompanying the list of charges that our accoutn was opened i oct 2004 so all details relate to that period forward... thing is we got a 2 year fixed rate on june 2004 with them so i know we banked there before oct 04 as i have a statement ( a single lonely little statement) dated 3rd july 04. do i write back with the "you still have a few days with which to comply to my SAR and by the way here is a copy of statement number 2 dated july 04 contrary to your assertions that i opened the account in october of that year"... or do i call them? it may have been an oversight? it may also be that thay are tryignt o play silly peoples with me. they did list the charges out all niceley tho with the balance at the tiem so i can work out how much of the interest applied too :D very kind of them i thought.

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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thanks closey thats the letter i meant, have alreayd sent that one to abbey so got it already saved to the pc with the relevant details. adds up tho in the three banks im claiming for so far its over £2k!

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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standard "we're sorry you are not satisfied" letter arrived today. no mention of my complaint that they had ignored 6 months of my banking history with them( they claim in their letter that i have been with them since oct 04, i have in fact been with them since june 04 as i have a statemnent number 2 from july a copy of which i sent to them with my letter)

they will fully investegate my claim and aim to reply to me by 26th october.... hmmmm. well thats sad cos i am sending the LBA on the 11th and will be filing MCOL on 26th october so it will be nice if they can get backto me by then :p

 

who do they think they are dealing with??????

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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letter rec'd escalating my complaint to Barclay's head orifice... they really should read each others mail!

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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hi tilly, thought i recgnised the name matey :)

alan, the standard protocol is to start a thread for each bank you are going after. that said you are more than welcome to post here too :) woolwich sent em a list of charges, i filled out the spreadsheet ( in the library on this site) and then sent then the Prelim letter ( asking for it back) they have sent me a few guff letters offering a timetable for my complant of 26th october, i will ignore that and 14 days after the prelim send the LBA ( letter before action, the give it back please, or ill sue letter) they get 14 more days then i file MCOL ( moneyclaim on line, the online versions of court papers, yes actually suing them) they will defend ( another 14 days ) then they will wait till 27th day of the following 28 days they get to come up with credible eveidence as to why these charges are viable ( they cant cos they aint) and then they will settle the full ammount out of court. basically about xmas time i should get my wedge back :) toot toot if you need any help there is normally someone about :)

  • Confused 1

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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LBA ready and waiting to be posted on weds :) cant beelive they have written me 11 letters already and still said nothing! impressive!

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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  • 2 weeks later...

well they got till tomorrow to reply to my LBA, the initial flurry of letters form barclays ( who are dealing with it) has dried up good and proper and have heard nothgin for two weeks now so i guess im back of to court tommorrow :)

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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hmmm dilemma, we have been turned down for the parachute account we had set up, not sure i want to issue court papers tomorrow as we "bank" with woolwich, if they decided to close our banking down we would be stuck for dd's etc. might delay untill i have an effective parachte set up but does anyone know how i can check my credit report online and find out why the bank turned us down? ( they didnt say) it was halifax BTW. hmmmm, dilemma

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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Hi Tracey,

They would have to give you 30 days notice to close an account, and although they may i would have thought they may have made some suggestion of this earlier. otherwise would if you file a claim could that not be seen as harrasment?

 

I wish you luck on it being settled by Xmas but i started against the wooly in june done S.A.R - (Subject Access Request),Prelim,LBA,N1,Allocation questionaire and got a prelim hearing Jan 27th 2007 AT Dartfod CC.

They seem be takeing it right to the wire unfortunatley.

 

AL.

 

we have our mortgage their so im hoping it will all be ok but if they are goign to take it to court themn we may get clobered

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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right post has been and nothign form them, so off to court to issue today will probs be served by tues, will post court details when i get them

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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  • 3 weeks later...

they have till monday to respond to court and as yet nothing, no offers no letters nothing, what are they playing at?

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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  • 2 weeks later...

they have till 12th dec to respond to AQ, mine is filed already :)

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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  • 2 weeks later...

ok they have till today to file aq and i havent had any offers...

where do i stand if they are late with the AQ? they dont seem to want to negotiate! :confused:

 

anyone got advice???

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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have to wait till tommorrow they have till today to do it so technically midnight. just surprised not to have had a letter or anything

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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  • 2 weeks later...

woolwich had filed on the last day supposedly but i still havent had a copy of it or in fact anythign from them! guess ill get a hearign date of march and settle down to wait then

 

meanwhile there are 4 more charges of £35 to add to the bill, anyone thingk AQ is too late to add them ( get an ammendment done as i understand the £35 fee is not refundable) or do i wait till they settle and then mention the other 4 charges they might like to consider while they are at it to save this process again? ( bearing in mind i have my mortgage with them and dont want my account closed, despite a parachute acct elsewhere)

thoughts anyone?

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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