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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
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They have arrived but they are non understandable. They have sent me a reprint dummy? Which is basically alot of numbers and dates and i don't understand how i am expected to know what are chargers as it dates back to 1998 and they have changed in value since then. Please help me sort through this mess! :Cry:

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If the statements don't have the detilas on them than you shold write back tersely and tell them that you conisder that they are being obstructive and that you will send a cpy of the statements on to the IC for him to decide upon.

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  • 3 weeks later...

So i sent my intial letter asking for copies of statements which i recieved then i sent another letter stating how much the fees were and that they had 14 days to reply otherwise i would send them another letter. It has now been over a week since the 14 days finished so i am unsure now what letter i send out and what the process is from here. I would really apprechiate any help on this. Thanks

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You should now send a letter before action giving them another 14 days before you file a claim

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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  • 1 month later...

Can you please advise me of what to do after a lengthy process i have finally recieved a comprehendable response from the Halifax. Basically the letter starts by saying that:

'they have tried to contact me by phone? It states that like other organisations they incur costs for every transaction made.Regardless of the shortfall involved when direct debit's arent paid etc. They say that they clearly outline there charging policies in the terms and conditions when you apply for an account.The terms and conditions of my account state that there must be funds in my account to cover my transactions. They cannot be responsible if i have authorised payments against funds that were not available. Ultimatly it is my responsibility to manage my account. However as a gesture of good will they are prepared to refund 84.00 of charges in full and final settlement of my complaint'.

 

Ok so what to i do? The charges that i am actually complaining about are £2352.00 and that dosn't include the interest. I have sent them letters from your template so they had clear instructions.

 

What is my next step do i sign or take it further and if i do what do i have to do?

 

Also would be really interested in the Trevor Mc Donald Documentary.

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Carry on with your own timetable. What you have there is a basic template letter being sent to everyone... not long to go now!!

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Can you please advise me of what to do after a lengthy process i have finally recieved a comprehendable response from the Halifax. Basically the letter starts by saying that:

'they have tried to contact me by phone? It states that like other organisations they incur costs for every transaction made.Regardless of the shortfall involved when direct debit's arent paid etc. They say that they clearly outline there charging policies in the terms and conditions when you apply for an account.The terms and conditions of my account state that there must be funds in my account to cover my transactions. They cannot be responsible if i have authorised payments against funds that were not available. Ultimatly it is my responsibility to manage my account. However as a gesture of good will they are prepared to refund 84.00 of charges in full and final settlement of my complaint'.

 

Ok so what to i do? The charges that i am actually complaining about are £2352.00 and that dosn't include the interest. I have sent them letters from your template so they had clear instructions.

 

What is my next step do i sign or take it further and if i do what do i have to do?

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Was the offer in response to the LBA or the prelim?

 

If it was the LBA I would start you moneyclaim now and sent a short letter stating that you will not accept any less than the full amount as settlement.

 

If it was the prelim send the LBA again adding a line stating you will not accept any less than the full amount.

 

They will pay up, they just play games to try to get you to back down first.

 

Natalie

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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MOD NOTE: Natalie's advice is spot on - but could I just add that it would be helpful if you could keep your progress to this thread (which has just been merged into your previous ones). It makes it much easier to follow your progress.

 

 

 

 

 

 

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  • 4 months later...

Well after 3 months and some persitance i have finally had my money refunded along with my court costs of £110. I recieved £2262 plus my court costs and didn't even have to go to court i simply had to submit my intial claim and within a week i got my money. What an excellent result. I now recommend and advise all my friends. Keep going and be persistant and on the ball!

Good Luck!

 

Charlotte

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i can't find the template letters - sent 1st letter asking for copies of statements on 20th July, had reply within a week saying they were dealing with the request but nothing since - it's bee over 3 months. need to know what to do next - can't find step by step instructions either.

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Thread Locked

because no one has posted on it for the last 1874 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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