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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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grimhmfc vs bos


grimhmfc
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hi everyone found out about bank charges being illegal so have decided to write a letter to my bank. Have done this by recorded delivery so that they can,t say they never got it. So here,s hopin all goes well,but im well up for it anyway as there has been many a time ive been down my local branch and went home kicking stones

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hi everyone found out about bank charges being illegal so have decided to write a letter to my bank. Have done this by recorded delivery so that they can,t say they never got it. So here,s hopin all goes well,but im well up for it anyway as there has been many a time ive been down my local branch and went home kicking stones

 

hi good luck please ensure you read the FAQ and rbs threads this will explain it all for you.:D

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  • 2 weeks later...

well its been 10 days since S.A.R. was sent i know its 40 days you have to wait but you would think they could at least reply and say they recieved the letter eh! anyway im well up for these numptys. i was just reading tinkerbells success with the same mob and it was inspiring to say the least although she probably spent her winnings on a wig as i dont think she,s got any hair left after the run around she was given.

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They're just playing their usual silly beggers to delay you as much as possible.

 

If/when they overlap their 40 day deadline, complain to the ICO about them.

  • Confused 1

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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You will probably get an acknowledgement letter.

 

The Data controller is called Joyce E Tudor.

  • Confused 1

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...
S.A.R sent by recorded delivery 10/08/06 still no reply from BoS im getting a little bit worried now. any advice ?

 

hi if your 40 days are up contact the bank, inform them that they are in breech. Tell them you intend to report them to the information commissioner that will speed them up.

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Hi grim,

 

Same here! My info was incomplete when it did finally arrive. I think they are stalling. I have contacted phonebank and they assure me that the missing info should be with me this week.....................

 

If not, I'll be reporting them!!

  • Confused 1

Darren :p

 

BOS - WON - £5.6k

------------------------------------------------

Virgin Mastercard - WON - £300

------------------------------------------------

Barclaycard - WON - £200

------------------------------------------------

Lloyds - WON - £1.6k

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  • 2 weeks later...

okay folks i have not recieved anything from the bank S.A.R was sent (11.09.06) and have read that there is a backlog of complaints at the information commissioner,s office so do you think i should just send the bank another letter something like below

 

dear sir/madam

 

you have failed to comply with my Data Protectioin Act Subject Access Request dated (11.09.06) the time for compliance with my request has now expired

 

if you do not comply fully within the next 7 days i shall seek a court order obliging you to do so together with damages at the discretion of the court

and without any further notice

 

yours faithfully

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okay folks 40 days for S.A.R. are up tomorrow but got home from work today to find a letter from HBOS

 

dear sir/madam

 

completion of for a list of transactions and charges-account No.xxxxxxxxxxxx

 

Thankyou for your letter requesting specific information on your account with us. I can confirm that copies of duplicate statements have been ordered and will be sent under seperate cover.

 

with regard to your request for information relating to manual intervention on your account, HBOS plc is under no statuary obligation to record this information and therefore, I am unable to assist further with your request.

 

should you have any general account queries, please contact 24 hour banking on 08457 20 30 40.

 

details of how we use your data blah blah blah blah blah.

 

should i wait for the copies or report them to comissioner ?

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  • 2 weeks later...
Letter Before Action sent today as i have had no compliance from Bos apart from Foboff letter dont know what game they,re playing at but they will lose

so if its a fight they want its a fight they,re gonna get

 

BRING IT ON:lol:

 

Please stick to one thread you have 6!! for this claim.

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  • 4 weeks later...

still havent had anything from the bank so have sent a failure to comply letter giving them 7 days or i will seek a court order its been a while as ive been away but im still determined to follow this through

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  • 3 weeks later...

at last ive got some statements its only taken 3 months and its not even complete its only from feb 2004-feb 2006 these people are really starting to p*** me off. anyway the charges for this period are £1209.00 so can i claim for this and still chase them for the rest of my statements and shall i get a bailiff to do the job for me

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Certainly their is nothing stopping you making a claim for the amount you know, and then you can wither amend your claim at a later date to include the extra charges - or issue a second claim after the first one is settled.

 

You may also consider issuing a county court action to force them to comply - full details in the Bank template Library,

 

You could also make a complaint to the Information Commissioner.

 

 

 

 

 

 

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  • 3 weeks later...

hi folks

i sent a letter asking for refund of charges on 20/12/06 and this is their reply

 

thank you for your letter, received at this office on 4th january 2007

i am sorry to learn that you are unhappy with charges applied to your account.

 

we,re keen to deal with your concerns as quickly as possible. A customer relations manager will investigate the points you have raised and you will receive a reply shortly, but certainly no later than 4 weeks.

 

you will find enclosed a copy of our leaflet, which tells you how we will handle your complaint. your concerns will be dealt with as quickly as possible

 

peter barry

customer relations officer

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Hi

 

Well I am glad I am not the only one who has had the same experience as you. They lost all 3 of my claims that were sent recorded and they said they got lost in the system (Sept 06) I had to resend them and they got them on the system in October. I started and then it took them 6 weeks to get my statements to me and went through them all inbetween things and found out that they had charged me a horendous amount over the past 3 years. I have gone through all the motions and they do have 40 days to reply so if I were you I would keep on the ball. I am now 4 months down the line and the 40 days are up. I was promised a call yesterday after harassing them every 2 days on the phone and excuses and more excuses. They have a backlog of about 3 months as so many people are claiming. Told them I did not now give a monkeys but in a wee bit of rude language and that if I did not have the reponse by 18th when the case was being sorted then I would take them to court which I am gearing up my focus for on Monday on a journey with a smile. The other thing they may say and send you is a letter saying you can complain to the ombudsman but like BOS they also have a backlog due to all these claims going in as I sent them a report and complaint regarding an insurance policy cancellation without my knowledge and they used it although I am still alive! So do not get your hopes up that they will sort this out in the stated time in all the crap letters you get. I have the summary cause sitting here with all the details. They left me in a real bad situation and am still paying for it. I am not willing to give up on this. Determination is the name of the game. Keep it up with them and do not let them annoy you. My sister did the same and within 2 weeks she had a cheque for £2741.00 no questions asked. They have told me as they have 3 accounts to deal with it takes time. I am just sitting counting the interest.. All the best with your claim.

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