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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Bazzlad vs Natwest - ***WON***


Bazzlad
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Advanced state: Received my statements last night am working out the interest and sending it off today.

 

Just wondering.... Who do I send it to? (The request for repayment)

 

 

Cheers,

Rich

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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Yeah, but WHERE do I send it? Same place I sent my DPA request???

 

Rich

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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Sorry to be a muppet, but addressed to whom???

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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Cheers mate :D

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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Received a letter that looks like this, but adds some text about Bank charges NOT being covered:

 

Dear Mr xxxxx,

 

Thank you for your letter of 15th July 2006 and I apologise for any dissatisfaction caused by the application of charges to your account.

 

We believe taht our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff which we are satisfied complies with all applicable laws and regulations. We are also comitted to ensuring the transparency of the information that we give to our customers about the operation of our products.

 

We have considered the Office of Fair Trading's statements of 5th April 2006 and do not accept its findings in relation to the setting of credit card fees. We are concerned that the Office of Fair Trading has publicly called into question the setting of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to Credit Crads and made no attempt to consult with the RBS group or the industry in relation to other entirely different products. Consequently, against that background, we must differ with the views you have expressed and will not be refunding any of the bank charges applied to your bank account.

 

When your account was transferred to out Credit Management Services, a full review of the charges and operation of the account would have been undertaken and no charges were found to have been applied when they were not properly due. They have all been associated with a lack of covering funds in the account at the times items were present for payment. Accordingly, the charges taht have been applied to your account must stand.

 

I am disappointed to note that you are contemplating legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that any proceedings are served on our Registered Office Address, which appears at the foot of this letter.

 

I suspect that this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking the time and trouble to contact us,

 

Yours sincerely,

 

*******

Customer Relations

 

 

Do I send the LBA letter now? Does anyone have the registered office address?

 

 

Cheers

 

Rich

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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I haven't seen/heard of this one. After my LBA I have received:

 

Dear Bazzlad,

 

Thank you for your further letter.

 

I regret that there is little that I can add constructively to my last letter and note your proposed course of action. I have alerted our lawyers and litigation department accordingly. May I please remind you that the address to use when initiating legal documents is that of our Registered Office, below.

 

Thank you for letting me know of your intentions.

 

 

This is before the 14 days is up. (6 days before)

 

Is it now suing time?

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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Hi Bazzlad,

 

This is another of their standard letters. I have seen this one in few threads... Normal procedure, just carry on and stick your time line...

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

Make a contribution to this site... Help the CAG keeping on helping you for FREE.

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Booooooooooooo! So I still have to wait? ;)

Good things come to those who wait. And I can't wait to pay off the overdraft their charges have made me live in. :p

 

Cheers for the help!

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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Ok, it's come down to it. It's been 14 days since my LBA and I have to sue.

What are my next steps?

Their likely response?

and some general advice please!

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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One of the problems I have is this: I'm meant to fill this in on the moneyclaim site:

 

"I have a contract with the defendant bank dated XXXX and which is conducted on their standard terms and conditions. "

 

I had my account opened for me by my Mother when I was 1 year old. What can I do for this bit? :confused::confused::confused:

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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I'll blame Mom. It's her fault for picking Natwest. :p

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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Good luck mate. :p I'll keep an eye on you too...

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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It begins... :D

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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Race you to the money :p Loser buys the winner a pint!

NatWest - Reply and cheque sent for Data Protection Act - 25/07/2006

Follow up Data Protection Act letter - 09/08/2006

Bank Statments arrived from CR – 06/09/2006

Preliminary Letter sent - 07/09/2006

LBA Sent – 14/09/2006

Money Claim filed – 28/09/2006

Money Claim Acknowledged - 03/10/2006

 

Owed: £903

21/10/2006 NATWEST CRIES LIKE A BABY AND PAYS ME £983. WINNER :D:D:D

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