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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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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. 
       

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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.

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Fallen 404's Natwest Diary


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I'm not quibbling. I'm procrastinating. And the reason I was asking the question was because I wasn't sure if I should do the one claim, for the charges these letters relate to (March 2006 onwards) and another for 2000-2006, or just lump them together from the start. I know the charges to date from March precisely, it's just the other 5 or 6 years I'm unsure about (although it's going to be a lot)

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

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Right, sending the following off today:

 

Group Litigation

RBS/NatWest

1 Princes Street

London

EC2R 8PB

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £581.00, since the start of March. I am currently awaiting confirmation of just how much you have charged me prior to that date, but will also be claiming this back. I would remind you that a request for this information was submitted, under the Data Protection Act, to yourselves by Royal Mail Recorded Delivery on the 11th of April, meaning that you have only a further 7 days from this letter’s date (until the 22nd of May) to provide me with the data I have asked for.

 

I require repayment in full of this money. If you do not comply fully within 14 days of the date of this letter, then I shall begin a claim against you for the full amount, plus interest, plus my costs, without further notice.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

Yours faithfully,

 

 

 

 

Fallen 404

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

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Okay, further to this, I got home today and found a full set of statements. Whilst the envelope was torn, the statements were in order and didn't appear to contain any duplicates.

 

I've been through it, and found a total of £1320.13 in further charges, putting my grand total at a little over £1900.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Okay, further to this, I got home today and found a full set of statements. Whilst the envelope was torn, the statements were in order and didn't appear to contain any duplicates.

 

I've been through it, and found a total of £1320.13 in further charges, putting my grand total at a little over £1900.

 

Mine was exactly the same funnily enough. Makes you wonder if they tear them on purpose? Did your brown envelope have a number on the back by any chance?

 

See my thread here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=3343&page=3

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Yup. 470.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Neither of my envelopes had a number.:( Have I missed out on being in a system somewhere?

 

But I have to say, Natwest are the uttermost worst offenders with packaging. Fattie's came from First Direct by courier, all taped up and had to be signed for!

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Think it might be a new system they've put in recently. The funny thing is that the statements were from Stuart Higley's department, and the letter had his name at the bottom, although it had been pp'ed.

 

Anyhow, my figures are:

 

Charged from 07/03/06 = £581.00

Charged 31/08/04 - 06/03/06 = £1,320.13

Grand Total = £1,901.13

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Anyhow, my figures are:

 

Charged from 07/03/06 = £581.00

Charged 31/08/04 - 06/03/06 = £1,320.13

Grand Total = £1,901.13

Does this include interest on the penalties they have charged you or are you leaving that out?

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I've left that out. I wasn't sure if the interest marked on the sheets was for the whole overdraft, or for the amount I was over my limit. I have a feeling it's the latter, though.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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I have done just now, but rather than having my statements with me, I've input all the charges into Pocket Excel on my PDA, so I won't be able to look up the interest I've been charged until I get home.

 

By the way, is there any particular reason the sheet stops at "777?"

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Nyah...I just wondered if it was some obscure Crowleyan reference...

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Right, second letter getting sent off in a second:

 

 

Group Litigation

RBS/NatWest

1 Princes Street

London

EC2R 8PB

 

16/05/2006

 

RE: LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX

 

Further to my letter of yesterday’s date, I received a copy of all statements last night via Royal Mail. However, there were no details of any manual interventions to do with the charges levied on my account. I therefore assume that there have been none.

 

After careful perusal of these statements, I have calculated that the additional figure you have taken from me in unlawful penalty charges amounts to £1,320.13 With the previously stated amount of £581.00, this makes a total of £1,901.13

 

As detailed in yesterday’s letter, I require repayment of this sum within 14 days (On or by the 30th of this month), or I shall begin a claim against you for the full amount, plus interest, plus my costs, without further notice.

 

I look forward to hearing from you.

 

Yours faithfully,

 

 

 

 

Fallen 404

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

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  • 2 weeks later...

Putting in my court claim later today. Got my spreadsheet all sorted, although I seem to be missing a sheet of charges for March to April, so I need to quickly nip into the bank to grab that, then it'll be time to pop the safety off and open fire. I'm looking at over £2,000 now I've added on the interest.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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At last the real fun begins - good luck.

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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Hmmm...So for the 8% interest, what date am I putting down as the date from? The date of the first charge? Also, what is the daily interest rate? Once I know that, I'm all set. The only problem is that, because I'm claiming a total of £2,240.15, the court fee is £120.00, which I'm not sure I can afford this month :-x Even when I'm getting my money back from the blighters, they manage to leave me out of pocket!

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Yup, it's from the date of the first charge....you can use the spreadsheet to calculate all the interest if you put all your charges in there. As for being skint, you can always wait a week and see what lloyds do with my claim, and if they pay up you know I'll happily lend money to the "lets screw Natwest" campaign :-D

 

*mwah*

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Thanks darling...All I need to know now is the daily rate of interest, and I'm sorted.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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I just entered it into the speadsheet, with yesterdays date to tell me how much interest would accrue in a day, when I did mine....

 

Don't forget to open any interesting looking letters which come for me whilst I'm away so that you can let me know any good news! :-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Clever...Now if I can just get the blasted thing to fit onto 24 lines...(currently taking up 24 and a half!)

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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The 8% interest is applied to EACH charge from the date it was applied. Hence, a charge on 01/01/2000 will be interest for approx 2,200 days whilst a charge applied on 01/01/2006 will be approx 160 days worth...

 

Sorry if that seems obvious, but your post suggested that this was not crystal clear...

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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There's no way I'm going to be able to fit all that into the claim. Is there any way of submitting supporting documents (ie the spreadsheet?)

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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The spreadsheet works out the interest on each charge...you only need to enter the total interest! And then the daily rate which would be charged after that! You should be able to fit it on :-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Yeah. I've already done that, it was Spice's comment that threw me...

 

Spice: I meant the date from which you say you're claiming interest on the claim form.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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