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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

Kirsty v HSBC


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Hi Everyone,

 

I've been reading your threads for a while and thought I'd say hello since I'm finally ready to send my SAR letters. I can't wait to get started, HSBC must owe me a fortune!!

 

Look forward to hearing from some of you.

  • Confused 1

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

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Share on other sites

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Hi,

 

I closed my HSBC account several years ago, so can't get them online.

 

I phoned to ask for my old account number but was told that unless I could give them the security number, they wouldn't give me the account number! I set the account up 7 years ago - like I'm gonna remember that!!!

 

Kirsty.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

The 40 day countdown begins!!

All 3 SAR letters sent!!

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Wow I hope my claims are for that much!!

  • Haha 1

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

  • 2 weeks later...

I got all my statements from HSBC yesterday. The charges total £445. Will be sending prelim letter very soon!

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Hi,

 

I've got my statements from HSBC. Most of the charges are described simply as 'total charges'. I have read Maverick's thread and understand that I can claim these back but what description do I put on the spreadsheet?

 

Thanks.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Thanks for the quick reply!! I've tipped your scaled.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

I am typing my prelim letter (well more like a cut and paste job!) I'm not sure about the 'plus £XXX which you have charged me in overdraft interest for the sum which you have taken.' I'm sure someone has explained this somewhere but I can't find any info.

Thanks.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Thanks Steve, that makes sense but sounds difficult to actually work out! I'll give it a go as I'm determined to get every possible penny back!!

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

That's great thanks. I tried to tip your scales but it won't let me, says I have to spread reputation around before giving it to you again. oh well.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Boy did that sound dodgy!! LOL.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

At least it made you laugh!! I can't believe I didn't realise how bad that sounded when I wrote it!!

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

  • 5 weeks later...

What address is everyone using for HSBC on their MCOL? I'm filling mine in now but don't know which address is best to use.

 

Thanks in advance.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Hi Steve,

 

When was that and have they paid up yet? I've just filed against Nationwide and I'm expecting them to pay in a week or so but from what I've read HSBC are taking much longer!

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Oh well, later is better than never.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Thanks Steve, good luck with your claim too.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Thanks honeygie.

 

I've still heard nothing from HSBC but this seems normal judging by the threads I've read. I'm filing on the 7th. Lloyds are even worse I've had to send them a DPA non-compliance letter, should have had my statements by the 26th November!

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Does anyone know how long HSBC are taking (on average) to pay up after MCOL is issued?

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Thanks bong.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Hi everyone, I've been reading about claiming the contractual interest rate. Is it the same percentage for all HSBC customers? If so, does anyone happen to know what it is? Thanks.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Thanks bong. Do I just multiply the amount I'm claiming by 16.6%? I used the spreadsheet for the last claim I did but that only works if you claim the s69 8%.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

Next question......I've looked at a couple of spreadsheets and can't quite figure out how to use it. Where it says 'interest rate' do I put 16.6 or is it something else??

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

I've looked at the ones in vamps chamber.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

  • 1 month later...

I've not logged on for a while but I've finally got the money together to do my MCOL (better late than never!) It was issued on 31/01 and acknowledged today.

 

I've read a few threads and gather that a lot of people are having to do allocation questionaires and there is a charge for this, does anyone know how much it costs?

 

Thanks.

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

What about claims under £1500?

Nationwide

13/10/06 - S.A.R - (Subject Access Request) sent

01/11/06 - Statements received

02/11/06 - Prelim letter sent

11/11/06 - Standard response to prelim

14/11/06 - LBA sent

17/11/06 - Standard response to LBA

04/12/06 - MCOL Issued

06/12/06 - MCOL Acknowledged

07/12/06 - Paid (almost in full)

 

HSBC

14/10/06 - S.A.R - (Subject Access Request) sent

25/10/06 - Statements received

02/11/06 - Prelim letter sent

23/11/06 - LBA sent

31/01/07 - MCOL Issued (finally!!)

07/02/07 - MCOL Acknowledged

Link to post
Share on other sites

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