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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
        • Like

Data Protection Act 1998 Non Compliance


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I've asked my bank Santander for all data they hold about my account under the Data Protection Act 1998. I wanted all of the transaction data since I opened the account in 1998. They sent me a letter saying "We assume this is about bank charges" and sent me only 3 years of transactions when the letter asked for at least 6 years of data. This has nothing to do with bank charges! It's about a third party I am taking to court. I don't have to give them a reason do I? How can I get the rest of my data? Anyone have any ideas?

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Just advise them their assumptions are incorrect and would they please provide ALL the information they hold on you in connection with your Financial dealings with them. TBH, I wouldnt mention a 3rd party..just in case any information gets lost or mis placed.

 

How near are they to the original deadline of 40 days. Do please remind them that they are obliged to comply with your request and the original timeline still applies :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I wrote Santander a letter two weeks ago telling them that I would write a letter of complaint to each of their Executive Directors as well as my Member of Parliament and all UK Data Regulatory bodies and they responded today, telling me that they are still processing my request. It's been 36 days since I sent them my Data Request. So I await with eager anticipation...

Edited by pentiumofborg
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So they have a whole 4 days in which to comply.. dont they :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They refunded my payment of £10 today "As a gesture of goodwill", though I'm not sure if this is a bad thing as far as getting my data is concerned. They also said they tried to ring me 3 times but I wasn't going to talk off the record. They have 3 days to repond in full to my Data Request...

Edited by pentiumofborg
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They refunded my payment of £10 today "As a gesture of goodwill", though I'm not sure if this is a bad thing as far as getting my data is concerned. They also said they tried to ring me 3 times but I wasn't going to talk off the record. They have 3 days to repond in full to my Data Request...

 

Hmm, keep an eye on this.. I am surprised they have refunded the £10.00 . It doesnt matter though, you sent it and made the request. They are obliged to comply.. They might just try using the returned fee to mitigate a delay!!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They just refunded me the £10 directly to my account, listed as ACCOUNT ADJUSTMENT. I think this is because I made such a fuss in my letter: "This matter has nothing to do with Bank Charges from your bank. My letter didn’t mention bank charges, why have you sent me a letter about bank charges? My letter made no mention of Bank Charges whatsoever. It was a Data Request under the Data Protection Act 1998. The letter I sent you was not lacking in clarity in the request being made. You have not the provided the information I requested and paid £10 for in my letter dated 24/10/11 under the Data Protection Act 1998. You have a legal obligation to provide all of the information that I have specifically requested and paid £10 for. So again, I request all of the information I’ve asked and paid £10 for under the Data Protection Act 1998. If you don’t provide this information to me within the original timeframe, I will make an official complaint to the Ombudsman, your Executive Directors Ms Ana Botín, Mr Jose María, Mr Steve Pateman, my Member of Parliament and all relevant UK Legal and Data Regulatory Bodies." It's been over 40 days and they haven't supplied me with the information I have asked for, so they will get a Data Protection Act Non-Compliance letter on Monday morning by First Class Recorded Post.

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