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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 
      • 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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Mr Views vs Halifax


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Hello guys, I have just started my claim against Halifax for unfair charges made to my account (failed Direct Debits, unauthorised overdrafts etc). This website has been such a saviour because I'm only 21 years old and since opening my account at the age of 16, I have been charged 100's if not 1000's in unfair charges. When me and my girlfriend went through a pile of statements last weekend we calculated £500 worth of charges and that was only about a third of my statements!

 

I will keep this post updated with my progess. So far this is what has happened-:

 

- I have written out and posted my initial letter asking for my money back for unfair charges.

 

- To get my statement of charges I called the 0121 customer service number and spoke to a lady called H*****. She started to panic when I told her who I work for (a rather large and well known tv organisation although I must stress this is strictly a personal matter im dealing with) she put me on the line to her manager (a guy called M****) who asked me to email him my details etc. I emailed him and he replied this

 

 

Dear ****

 

Thank you for your e-mail.

 

I have now passed this to our central customer relations department to be actioned.

 

I would hope that you will hear from them within the next 5 days, but if for any reason you haven't please don't hesitate to contact me and I will look into this further for you.

M*****

Review Manager Team Leader

Customer Relations - Regulated Sales

Birmingham Hub

DDI - 0121 234 1068

Internal - 7543 32727

Fax - 0121 234 1053

Post - CB/2/CR/BIR/MJB

E-mail - *******@Halifax.co.uk

Mobile - 07*******

 

 

More updates will follow!

Halifax - WON:D (£1,000 put back in account)

Abbey National - WON:D (£521 nice shiny cheque)

Capital One - WON:D (£200 cheque)

HSBC - waiting for court decision:rolleyes:

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Sounds like you might get your claim settled fairly quickly and without the usual avoidance and stalling tactics. Good for you! ;)

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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*****UPDATE*****

 

got sent a letter today offering £224 as a goodwill geusture.......they owe me at LEAST £500.......so what do I do now??!!!

Halifax - WON:D (£1,000 put back in account)

Abbey National - WON:D (£521 nice shiny cheque)

Capital One - WON:D (£200 cheque)

HSBC - waiting for court decision:rolleyes:

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Reject it and go for the lot!! I don't know what 'formal' letters, if any, you have sent yet, as you seem to be getting preferential treatment;) , but You could have a look in the library template and adjust the rejection letter in there to suit your needs?

 

Did you manage to get all of your bank statements so you can work out your exact charges? This may be a good starting point?

 

(sorry of you have already done this!)

 

Springer xoxox

Springer :p

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*****UPDATE*****

 

got sent a letter today offering £224 as a goodwill geusture.......they owe me at LEAST £500.......so what do I do now??!!!

 

 

Accept it as a part settlement inform them that you will be sseking the remaining balance.:D

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thanks for the advice guys, like I said I think they saw the logo on my envelope and email address and got a little scared :grin:

 

I have (informally) asked for my statement of charges, I was told I would be dealt with within 5 days. I still havent recieved a reply regarding the statment of charges I requested.

 

I have used the rejection template and tailored it a little bit. will keep you lot updated!

Halifax - WON:D (£1,000 put back in account)

Abbey National - WON:D (£521 nice shiny cheque)

Capital One - WON:D (£200 cheque)

HSBC - waiting for court decision:rolleyes:

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Hello guys, an update!!!!!!

 

recieved a letter this morning from Halifax informing me that they will NOT be refunding me my 6years worth of charges. Whats the next step? is it time for the "letter before action"?

 

any advice is much appreciated thanks. the letter said exactly-:

 

As a gesture of goodwill we offered you £224 which you do not wish to accept. I confirm that we will not refund the charges you have incurred on your account over the last 6 years. I must also stress that future charges will stand and we reserve the right to close your account if you do not manage it correctly. If you remain unhappy you can refer your concerns to the financial ombudsman service as outlined in your previous letter.

Mark Arundel

Halifax - WON:D (£1,000 put back in account)

Abbey National - WON:D (£521 nice shiny cheque)

Capital One - WON:D (£200 cheque)

HSBC - waiting for court decision:rolleyes:

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Hello guys, an update!!!!!!

 

recieved a letter this morning from Halifax informing me that they will NOT be refunding me my 6years worth of charges. Whats the next step? is it time for the "letter before action"?

 

any advice is much appreciated thanks. the letter said exactly-:

 

As a gesture of goodwill we offered you £224 which you do not wish to accept. I confirm that we will not refund the charges you have incurred on your account over the last 6 years. I must also stress that future charges will stand and we reserve the right to close your account if you do not manage it correctly. If you remain unhappy you can refer your concerns to the financial ombudsman service as outlined in your previous letter.

 

Mark Arundel

 

Yes you have recieved the standard fob off letter. Continue with the LBA now.:D

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I haven't recieved my statement of charges yet.....should I wait until I know the full amount i'm owed before writing the LBA?

Halifax - WON:D (£1,000 put back in account)

Abbey National - WON:D (£521 nice shiny cheque)

Capital One - WON:D (£200 cheque)

HSBC - waiting for court decision:rolleyes:

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I haven't recieved my statement of charges yet.....should I wait until I know the full amount i'm owed before writing the LBA?

 

I would wait to recieve all you statements please dont jump ahead follow the set proceedure it will make sure you dont make any mistakes. :D

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ok thanks for the advice

Halifax - WON:D (£1,000 put back in account)

Abbey National - WON:D (£521 nice shiny cheque)

Capital One - WON:D (£200 cheque)

HSBC - waiting for court decision:rolleyes:

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