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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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Jude v Nationwide **WON**


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I am looking into setting up another account. Alliance and Leicester is suggested by Martin Lewis so I went to their website. However, I do have a CCJ and adverse credit history and their site says the account is not for such as me. Any advice, please?

Dolly Day Dream

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I have never used a spreadsheet (I am a pensioner - Silver surfer is the word, I think!) so I have bought an idiot's guide to help me work it all out. I am determined to get this sorted. After checking online they owe me over £1600 just for the last 15months, so it will be more for 6 years. I am so grateful to have my hand held here. Thanks everyone.

Dolly Day Dream

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My splendid folder of duplicate statements has arrived. To my shame/horror the total of charges adds up to £3597.50. I managed to get a couple of refunds from Nationwide last year. Do I just leave out the charges for that month? I am not sure how to allow for them otherwise. :oops:

Dolly Day Dream

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I have typed and signed my Prelim letter ready to go recorded delivery on Monday morning. I used the online banking service to ask when my account was opened and now have that information. I am claiming nearly £4000, so with interest it should be a great Christmas! Thanks for all the help here.

Dolly Day Dream

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The expected *** off letter has arrived, so I shall get my LBA letter ready. Things are really looking up. I shall be 65 next month and it seems I shall get a bit more on my pension!! Incidentally, I only retired 3 years ago and used a computer at work for ages before that, although inputting details of children's immunisations, etc wasn't that taxing! I was a Health Visitor and we had to log all our activities so that managers could check we saw lots of people - the quality didn't matter. Just the numbers. Perhaps I should have a rant on the NHS thread.

Dolly Day Dream

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I have been trying out Vampiress' spreadsheets. Why is it that the one with simple interest seems to work automatically, but the compounded contractual one doesn't. What am I doing wrong? I thought I would try all the options as I would like to get the most possible from the bank. It seems fair do's after all the trouble they have caused me.

Dolly Day Dream

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I have been looking at various threads and the FAQs to decide which rate of interest to go for. Vampiress recommends compounded contractual interest and her spreadsheet states it is at 18.2%. Having put all my figures in it is very tempting to go for it, but I can't find the justification for claiming it. Can anyone please give me some advice? I don't want to miss out by being too greedy, but I could really do with the extra cash if I can justify it.

Dolly Day Dream

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Redsue - I am completely useless at maths and find interest rates confusing. What I need to know is which of Vampiress' amazing spreadsheets I can safely use. I am going for the simple ones and not attempting unauthorised interest. They state the interest rates as 8% and 18.2%. I am sure they would not be there if they weren't right, but I cannot find the rationale behind them. Basically I need someone to say that it's OK to use the 18.2% one. If I do, do I have to amend my claim to include the interest from the beginning, because if so it would take my claim over £6000.:confused:

Dolly Day Dream

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I have spent a while redoing the spreadsheets at 24.9% and 7.75%, and have separated the claim into 2 so that I don't go over the £5000 small claims limit. I think I will go for it with a fall back position of the 7.75%, and then claim for the rest later. Can someone confirm that I will need to send a fresh Request for Payment letter to take account of the changed figures, please?

Dolly Day Dream

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Please can someone help? I have decided to split my claim to avoid going over £5000 as I want to claim 24.9% Do I need to send a fresh Prelim letter or can I just put it in the LBA? I plan to follow redsue's advice and have 7.75% as a fallback position.

I have an appointment this afternoon to set up a parachute account.

Dolly Day Dream

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Thanks Debt and Sarah

I will go for the one claim then, and send an updated prelim letter to be on the safe side.

It looks as though my parachute account with the Co-op is going ahead without being referred. I am amazed - I thought it would have been far harder!

I am so grateful for the hand-holding, as I am a cowardy custard on my own.:D

Dolly Day Dream

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Right, Here we go! LBA, duly amended as advised by Redsue, and further copy of schedule waiting to go to the Post Office. New account all set up in readiness for the inevitable brush-off. I'll keep you posted, and thanks again for all the help.

 

Nationwide

3.10.2006 S.A.R - (Subject Access Request)

20.10.2006 Copy statements received

28.10.2006 Request for Payment

2.11.2006 Standard reply - no we won't!

16.11.2006 LBA

Dolly Day Dream

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  • 1 month later...

Hello everyone and Happy New Year.

I have not been following up on my action against NW as I have been in hospital for knee replacement surgery. I am now just about back on my feet, albeit with a walking stick(!) so I am hoping to get stuck in again soon. I must get the file out and add all the new charges they have added since I started this lark. Perhaps I'll plan for a good holiday as I have missed a Christmas payout.:D

Jude.

Dolly Day Dream

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  • 3 weeks later...

I am updating my spreadsheets ready to file my court papers on Feb 12th. (I have a big car service bill to pay this month, so I am waiting until I get some more money in my account). It is very comforting to see how the delay increases the amount I can claim in interest - especially the 24.9% compounded. I couldn't quite believe my eyes at first! I will have to pay £250 as it's over £5000, but it should be worth the wait.

I am looking forward to news from redsue when she gets back to see how her compounded claim goes. Thanks to everyone for all the support and encouragement.

Jude.

Dolly Day Dream

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  • 3 weeks later...

Right, I have just been printing out my Particulars of Claim to go with my N1 ready to take to the court on Monday morning. I have followed Redsue's posts on this thread to claim compounded contractual interest at 24.9%, with a fallback of 7.75% also compounded or as a last resort 8% simple as in section 69. I copied her POC as amended following changes suggested by Bill-K.

I would be very grateful to have the daily rates of these interest rates confirmed, please. I have put £0.95 for the 24.9%, £0.59 for the 7.75% and £0.52 for the 8%. I used Vamp's wonderful spreadsheets but for the 8% simple it gives a daily rate in pence of 106.13 - is that right? The compounded interest spreadsheets don't give a daily rate for some reason, so I am a bit confused.

Many thanks,

Jude.

Dolly Day Dream

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Thanks, Delboy. In the end I read over numerous posts to check, and finally plucked up enough courage to take the papers into court on Tuesday. The girl who dealt with it was very helpful and admitted that they were very busy with bank claims. She did not realize that it was possible to claim back bank charges so I told her to go home and google for CAG! :)

Dolly Day Dream

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