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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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3 pronged attack...


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Hello action group,

I have just started out on my odyssey to reclaim the unfair bank charges that have be taken from me by Barclays, Halifax and Abbey, over the last 6 years. I came across your forum after being incensed by the Abbey implementing £440 of charges to my account last month, when I rang them to protest at the inproportionate charges, they halved them after leaving me for a short period on hold. These were charges of £56 for a £5 and/or £10 standing orders, It got to the rediculous stage where I was incurring charges for paying their charges, I could not find money fast enough to pump into my account. Enough is enough... The worm is about to turn...

 

Phuew... I do apologise about that rant... The old red mist came down, and I gave the keyboard a right hammering! Look I know that everybody in this forum have all got stories similar to that, I guess I just had to vent my spleen.

 

Anyway I sent off my requests for the information relating to charges on the relevant accounts on the 09.10.06 along with the £10 cheques. Only Barclays have replied to date, returning my cheque and imforming me that "the bank is under no obligation to present information to any particular format. Therefore, your request to assemble a schedual of charges is turned aside." They go on to say that they will send me copy statements within a couple of weeks free of charge. I dont think I asked them to present the imformation in any particular format. Delaying tactics me thinks...

A quick question before I go...

Is it a bad idea to go through this process with 3 different banks simultaneously?

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Hello action group,

I have just started out on my odyssey to reclaim the unfair bank charges that have be taken from me by Barclays, Halifax and Abbey, over the last 6 years. I came across your forum after being incensed by the Abbey implementing £440 of charges to my account last month, when I rang them to protest at the inproportionate charges, they halved them after leaving me for a short period on hold. These were charges of £56 for a £5 and/or £10 standing orders, It got to the rediculous stage where I was incurring charges for paying their charges, I could not find money fast enough to pump into my account. Enough is enough... The worm is about to turn...

 

Phuew... I do apologise about that rant... The old red mist came down, and I gave the keyboard a right hammering! Look I know that everybody in this forum have all got stories similar to that, I guess I just had to vent my spleen.

 

Anyway I sent off my requests for the information relating to charges on the relevant accounts on the 09.10.06 along with the £10 cheques. Only Barclays have replied to date, returning my cheque and imforming me that "the bank is under no obligation to present information to any particular format. Therefore, your request to assemble a schedual of charges is turned aside." They go on to say that they will send me copy statements within a couple of weeks free of charge. I dont think I asked them to present the imformation in any particular format. Delaying tactics me thinks...

A quick question before I go...

Is it a bad idea to go through this process with 3 different banks simultaneously?

 

hi and welcome. Dont worry about the rant we all go through it first time on here lol

 

1. What letter did you send asking for the statements? Was it the DPA from the templates on here? If so it probably is just tactic as i have never heard any response like that before.

2. When i started i only did one claim at a time as it is easy to get caught up and forget dates etc and make silly mistakes, and is very expensive when it comes to filing in court shold it go that far if you have started them all roughly same time then the court action starts roughly same time too!

3. they have 40 days to respoond to the DPA. SOme banks dont charge and often return the payment. I notice it was only this week you sent requeast to Barclays so that gives them anouther 30 days or so.

4. Be patient. It took them 6 years to take the money, it will take about 12 weeks to get it back. No rush, no mistakes and all cash just in time for christmas!!

Good luck

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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Hello action group,

I have just started out on my odyssey to reclaim the unfair bank charges that have be taken from me by Barclays, Halifax and Abbey, over the last 6 years. I came across your forum after being incensed by the Abbey implementing £440 of charges to my account last month, when I rang them to protest at the inproportionate charges, they halved them after leaving me for a short period on hold. These were charges of £56 for a £5 and/or £10 standing orders, It got to the rediculous stage where I was incurring charges for paying their charges, I could not find money fast enough to pump into my account. Enough is enough... The worm is about to turn...

 

Phuew... I do apologise about that rant... The old red mist came down, and I gave the keyboard a right hammering! Look I know that everybody in this forum have all got stories similar to that, I guess I just had to vent my spleen.

 

Anyway I sent off my requests for the information relating to charges on the relevant accounts on the 09.10.06 along with the £10 cheques. Only Barclays have replied to date, returning my cheque and imforming me that "the bank is under no obligation to present information to any particular format. Therefore, your request to assemble a schedual of charges is turned aside." They go on to say that they will send me copy statements within a couple of weeks free of charge. I dont think I asked them to present the imformation in any particular format. Delaying tactics me thinks...

A quick question before I go...

Is it a bad idea to go through this process with 3 different banks simultaneously?

 

As long as you can handle it its okay i did 6 at once!

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hi and welcome. Dont worry about the rant we all go through it first time on here lol

 

1. What letter did you send asking for the statements? Was it the Data Protection Act from the templates on here? If so it probably is just tactic as i have never heard any response like that before.

2. When i started i only did one claim at a time as it is easy to get caught up and forget dates etc and make silly mistakes, and is very expensive when it comes to filing in court shold it go that far if you have started them all roughly same time then the court action starts roughly same time too!

3. they have 40 days to respoond to the Data Protection Act. SOme banks dont charge and often return the payment. I notice it was only this week you sent requeast to Barclays so that gives them anouther 30 days or so.

4. Be patient. It took them 6 years to take the money, it will take about 12 weeks to get it back. No rush, no mistakes and all cash just in time for christmas!!

Good luck

 

Thanx for your quick reply Sues35, it realy is reasurring to know that there are people at hand who have been there and done it...

 

1) The letter I sent was a template from thisismoney.com (prior to finding this site) and was worded so:-

 

Dear Sir/Madam

 

Re: Data Protection Act 1998 request for [insert your name, sort code and account]

 

Please send me the information which I am entitled to access under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) in relation to all charges which you have applied to my above noted account within the last [for England/Wales – 6 years; for Scotland – 5 years] from the date of this letter.

 

2) I am still having a little difficulty navigating the website in general and the message board in particular, and alot of the abreviations are confusing. Could you give me a quick crash course or direct me to an explanation of terms and where I can download this websites letter templates?

 

3) Does the fact that I have sent out 3 Data Protection Act letters requesting information, mean that I am committed to carry all 3 of my actions through to fruition. My understanding is the clock starts ticking when I ask the respective banks to return the unlawful charges?

 

4) Although I have sent out these requests for imformation, over this weekend I have dug out all my old bank statements and find that I have got virtually all my statements for all 3 bank for the last 6 years. So I dont have to wait for their 40 day reply period to start proceedings. I had got the impression that they where obliged under (DPA) to provide me with a statement of isolated charges... If they are only going to supply me with statement copies that I dont need, what am I waiting for?

 

5) Last months charges from Abbey will not be applied to my account until the end of this month. Should I wait until these charges have been applied before starting proceedings?

 

I do apreciate your help on these matters, as the prospect of carrying these procedure through to fruition is exacerbated by the fact that I am dyslexic. Reading, comprehending and filling out correctly, long-winded official form to a strict timetable, is just about my worst nightmare. With that said please excuse any spelling errors and silly questions...

 

Z

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At the bottom of my signature is a link to the letter templates section

A list of abbreviations is on the site under the FAQ's I think but I will edit this post once I find so you can have a look.

The clock starts ticking at the Prelim satge so you are right on that one

The idea of a Data Protection Act request is to prove that there is manual intervention which there clearly isn't but you can still proceed as you have all the details on charges to hand

You can start on a Prelim without the charges because you can amend them on the LBA and when you get to claiming or suing the bank all charges up to that date can be claimed. Good Luck and will pop back with link to abbreviations shortly

a quick edit here they are http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31476-glossary-abbreviations.html

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2) I am still having a little difficulty navigating the website in general and the message board in particular, and alot of the abreviations are confusing. Could you give me a quick crash course or direct me to an explanation of terms and where I can download this websites letter templates?

 

http://www.consumeractiongroup.co.uk/forum/general/29888-glossary-abbreviations-used-forums.html?highlight=abbreviations :D

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hi there, i went for three banks at the same time too as long as you read up and get it fixed n your mind what the ruiles of engagement are you will be fine.

also grabbey have a trick at the moment of offering a GOGW ( gesture of goodwill) and then offering you a settlement, beware they take the GOGW off the value of the settlement so when you think you are getting nearly 80% back, you are not you will actually only get the total they offer. ignore them and go for the lot its yours, take it! im also with woolwich ( powered by barclays) and have had similar letters. they gave me the info on day 38 so settle in for a long wait.

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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