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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 
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    • 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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citi A word of encouragement for citi claimants


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This discussion is by no means finished......but you must all be aware that as it has been made clear that info is being extracted and digested by the other side

then you should make up your own mind as to whether you want to openly discuss your course of action.and respect others who may not wish to.

 

I should say that there is no need for panic nor assumptions about the forthcoming cases and there is no proof at this stage that all other litigation will be concluded the same way we should remain calm composed and concerted.

 

At the end of the day it remains that these charges were unlawful and todays verdict ruled nothing short of that we should remember there is still a long way to go here and no prececents have been set........we should carry on regardless and see what unfolds.

This has been an unexpected development but by no means a justification.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I agree with Martin. It appears that Citi got away with a 'smash and grab' today, but it also looks like they only managed it by a combination of luck and circumstance. I think it's unlikely that they will always encounter such an accomodating judge. Of course, we now have a pretty good idea of their strategy.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Just a further thought ~ more of a question. Exchanging documents. Each side prior to going to court has to prepare or list of documents relevant to the case.These lists then have to be exchanged with the other party. Exchanging documents in this way lets each party know the precise basis of each others case.

 

Now I appreciate this excludes privileged documents ~ though surely you should have been informed that they were going to detail how their costs arose, even if they were not prepared to divulge the detail to you.

 

That would have given you the required notice to consider the implications and your response!

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Lets just say that certain things were unexpected and there are questions that remain unanswered.

Every dog has its day ;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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without giving away anything(we all know who is watching!!)this may not be over yet-far from it if all goes to plan..... ;)

 

Had a letter from court about these guys today - where shall I post it - on my thread or to someone in particular.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Sorted now Giz;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have just received a s*d off letter and I think they are referring to this case. this is what they wrote:

 

Citi was involved in a recent court case in Northern ireland, the case of ******* V Citifinancial Europe PLC, in which the fairness of these charges was challenged. The court dismissed the case, implicity finding that the charges are fair and in conformity with OFT guidance and common law principles of contractual damages.

 

Have they just blatently lied o me? I want to reply and tell them they have lied and i will show this letter to the judge when they appear in court. What shall i write as a response. I am happy to go all the way to court even if it is for my £8.00 difference so they can think again if they think they are going to get me to back down now.

 

I REPEAT: THINK AGAIN IF YOU ARE READING CITI CARDS

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Well they are in for a few suprises me thinks.;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Just carry on as normal.

Send the lba.

I dont want to say too much at this stage except to say that they are misinformed if they are of the view that they will halt any further actions to recover charges.This only adds to our determination.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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we don't intend to be mean,but we all know who is reading this and we want them to remain completely in the dark as to what may be waiting for them.....they have used information gleaned from here before,and they won't be doing it again!! :D

 

That about summs it all up in a nutshell.......

 

Be assured we DO aim to assist with all the Citi claims,so theres nothing to worry about.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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