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    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
    • Our main Equity Partner, Cabot Square Capital invests 
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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
      • 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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hwild v Halifax


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Hi,

 

Firstly this is fantastic! our banks have made me and my boyfriends lives a misery for years. We had always tried asking th banks for refunds - even when we could not afford the rent and they would always refuse! They don't give a s**t! I am determined to do this - i'l admit i am a bit nervous but when we were looking at the information sheets we got very excited. My boyfriend has been charged excessive amounts by Barclays over the years and Halifax have chrged me up to £800 in less than a year!

 

My friend told me about all this and she is studying law so i think she will be able to help me if things get complicated.

 

I will keep every one updated. Can't wait...Just 1 thing can any 1 confirm where i post my initial letter too?

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi everyone,

 

I am fairly new to this forum, i'v been havin a good old read and posted a few threads. Yesterday i sent my DPA letter off, my boyfriend has also sent one off to (Barclays), so i will keep u posted on how its going.

 

This site is absolutely brilliant. We have suffered really badly from banks charging us. On more than one occasion we have been unable to pay the rent simply because of charges. What angers me is how can they justify charging £30 for going overdrawn by £1.25????? How do these a** holes sleep @ night?

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi

 

All the best with both of your claims. Please keep us informed of your progress, and remember that we are all in this together.

 

If you meet any problems, or have questions that are not answered elsewhere (and most have been), please post them to the forum.

 

 

 

 

 

 

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Please guys help me I am just new to this forum.Where can I get this DPA letter.If any one has a copy please may you send me a copyplease.

 

Please can you post to a new thread. It helps people to follow your case - and enables us to give you a quicker response to questions. Check out the FAQ's:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

 

 

 

 

 

 

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Ok so i only sent my DPA leter off on the 3rd April but i just get the feeling that its going to take a long time. (My b'friend recieved a reply from Barclays within days).

Which e-mail address is it so that i can pester them?

Halifax -

LBA sent 12/05/06 for £1,232

 

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  • 2 weeks later...

Hi,

 

Ok so i am not the most patient person in the world but i have heard absolutely nout off Halifax yet. I am going to e-mail customer relations - has anyone got any good ideas for a scary reminder letter that might kick them up the ass!

 

Thanks in advance

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi,

 

It's your claim and your timetable. If you have sent them letters telling them what you are going to do and when, why do you need to remind them. The bank are 'big boys,' they can read and they understand what you are saying.

 

When your deadlines are up move onto the next thing you said you were going to do. If they start crying, and shouting 'foul,' then it's hard cheese for them...

 

Sorry...I'm very impatient, but unfortunately trying to remind them all the time will only add to your frustration. Believe me, I've heard not a sausage from HSBC, and a couple of weeks ago I was in the mood to go into the bank with a 'big hitty thing' and ask why they weren't responding to my communications.

 

Just hang in there and think of all that lovely money you are going to get back :rolleyes:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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yep, your right i know!

It is just so frustrating - especially when they can still be arsed to send me plenty of letters saying they are charging me again!!!

 

23 days left to go!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Charging you again - is this a statement of charges pending? If so, and to fill your time and get a little thrill to boot, you might want to try sending them this. They won't stop the charges going through, but I had them refunded within 8 hours of being applied...(with HSBC mind!)

Dear Sir/Madam,

 

I find myself in the position that your actions require my intervention for the [HOWEVER MANY] time in the space of a few days. I am seriously reconsidering my view that [bANK] has the capacity to act as my fiduciary in a responsible and lawful manner, as implied by the terms and conditions between both parties.

 

[WHENEVER] I received a statement from [bANK], stating their intent to unlawfully apply penalty charges to my account on [DATE]. These charges are to the sum of £XX, as well as an interest penalty of £X.XX for the 'privilege' of this unlawful action being undertaken.

 

As you are aware, I have asked you to demonstrate to me that these punitive charges are fair and just, that they are lawful, and that they are being lawfully applied. You have failed to demonstrate this to date, and therefore it is implied by your refusal or inability to supply such demonstration, that these penalties are, indeed, unlawful.

 

Therefore, I would draw your attention to the following point: you have stated that these charges will be applied on [DATE]. If these charges ARE applied, then you will be required to explain why you have, in my view, committed a pre-meditated breach of the law, and I will be reporting such breach to all of the relevant authorities.

 

However, as this has not yet happened, I require that you take action forthwith, and cancel this transaction prior to its execution. Furthermore, I require confirmation, in writing, that this transaction will, indeed, be cancelled.

 

I shall be checking my account on [DATE], and if I see that the penalty charges, plus interest, have been unlawfully applied to my account, I shall lodge a claim at the county court to recover these charges, plus my costs and interest calculated at 8% APR, without hesitation. Furthermore, I shall require that you confirm whether these unlawful charges have resulted in a default notice against my record with credit reference agencies, and if so, I will seek appropriate action to have this notice removed.

 

In view of my first paragraph, and considering your apparent incompetence to act as my fiduciary in a lawful manner, I will start to consider a course of action whereby I may seek redress for all the inconvenience you have caused me.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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No its not a statement of charges pending - just the usual standard letter from Gary Kettle saying: 'we have paid this DD on this occasion... or if this makes you overdrawn then we will also apply a penalty charge of £28.'

 

Not too keen on this Mr Kettle bloke...

 

Thanks for your help anyway Spiceskull - wouldn't like to get o the wrong side of you!

Halifax -

LBA sent 12/05/06 for £1,232

 

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- wouldn't like to get o the wrong side of you!

That would never happen - I'm too nice :rolleyes: I just like to shout at the bank!

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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 Guys nothing toupdate really - i sent my DPA but not so much as a peep from Halifax yet! My boyfriend has recieved the standard letter from Barclays saying that the statements are on the way but 'what do u mean by the term manual intervention' so i sent one back explaining exactly what i meant and so we shall watch this space.

 

Getting v. impatient with Halifax tho!:mad:

Halifax -

LBA sent 12/05/06 for £1,232

 

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Yeah i think i will.

I think i might of delayed it myself, cos rather than enclose the £10 fee, i said they could deduct it from my account but my account is overdrawn at the minute - (due to thier charges of course) so i am not sure what will happen. I'v only jus found out my account is overdrawn!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Bookworm has very kindly changed the title of this thread so hopefully it will be easier for everyone to follow.:)

Halifax -

LBA sent 12/05/06 for £1,232

 

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I reckon Halifax will be using the fact that i am overdrawn to delay taking the fee out my account, therefore allowing them to avoid sending my statements.

 

Well i get paid on Monday so i will be ringing them to remind them about the letter i sent them and to confirm that it is ok to take fee out of account. This is entirely my fault of course! What an idiot i am!

 

Would it be best to ring customer relations?:)

Halifax -

LBA sent 12/05/06 for £1,232

 

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It shouldnt matter if your overdrawn or not. I've read through loads of posts and its clear the banks like to keep everyone waiting. They have with my - Abbey have 1 day to enter defence. They did everything else at the last min so im expecting this to be the same.

Abbey Claim

27/03/06 Served Claim, acknowledged 05/04/06, 24/04/06 Defence entered & 50% offer. 25/04/06 accepted 100% ofer via email.

 

Alliance & Leicester

LBA sent 27/06/06, Claim Started 25/07/06, 14/08/06 Charges refunded!

 

Barclaycard: DPA 21/04/06. Prelim 12/05/06, LBA 26/05/06, Claim issued on 27th June. Acknowledged 03/7/06, 20/10/06 Court Date Set: 8th December

 

Barclays: DPA 21/04/06, statements arrived 02/05/06, prelim 06/05/06, 21/05, LBA, Barclays offered 50% 1 day after LBA deadline. Refused and claim started 5/6/06. Acknowledged 9/6/06, defence entered 07/07/06, allocation questionnaire sent off. Court Date October 25th, case settled 24/10/06

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Yeah thats true. I think Halifax sent jonni2bad's statements to him on the 37th day!

I'm just very impatient cos i'm broke!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Arent we all inpatient when it comes to getting money?

Abbey Claim

27/03/06 Served Claim, acknowledged 05/04/06, 24/04/06 Defence entered & 50% offer. 25/04/06 accepted 100% ofer via email.

 

Alliance & Leicester

LBA sent 27/06/06, Claim Started 25/07/06, 14/08/06 Charges refunded!

 

Barclaycard: DPA 21/04/06. Prelim 12/05/06, LBA 26/05/06, Claim issued on 27th June. Acknowledged 03/7/06, 20/10/06 Court Date Set: 8th December

 

Barclays: DPA 21/04/06, statements arrived 02/05/06, prelim 06/05/06, 21/05, LBA, Barclays offered 50% 1 day after LBA deadline. Refused and claim started 5/6/06. Acknowledged 9/6/06, defence entered 07/07/06, allocation questionnaire sent off. Court Date October 25th, case settled 24/10/06

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Wooooooooooohhhoooooooooooooooooooo!!!!!!!!!!!!!!!!!!!:lol: :lol: :) :) :)

Well guys its my birthday today and guess what arrived on the doorstep...MY STATEMENTS!!!!!!!!!!!!!!!!!!!!!!!!!! That was the best present of all!

 

And...! I was expecting around £700 in charges but when i totalled it up it came to £1,232!!!!!!!!!

 

Prelimenary letter in the post as we speak!;-)

(Sorry if i appear to be over excited - i'm a bit ****ed!)

Halifax -

LBA sent 12/05/06 for £1,232

 

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Sorry guys i have also updated my original thread but i was so excited that my statements arrived on my birthday i had to do a thread especially for the occasion!

 

The statements arrived yesterday and i calculated all the charges and it came to £1,232!!! This is just in a year - i can't believe it. I had assumed the figure would be around £700 so i was gobsmacked at the total.:eek:

 

Makes me even more determined to get it back now!!!

Halifax -

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