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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
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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.

      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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Mortgage Switch - Passed from Pillar to Post!

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Hi guys,


I have a big problem with my Halifax mortgage. Today I should be able to switch my mortgage online, so I went to:-




but when I tried, I got a message stating:-




After contacting various mortgage servicing/products transfer teams, they checked and confirmed that none of the mentioned issues applied to me and could not tell me why I could not move forward. I was passed onto various different people in many departments and I got the same answer that they don't know. :???:


Their final answer was that this is an online issue, therefore I need to speak to the online team or the other option. So I rang the online team and all they said that if I could login online then it's not their problem and only the mortgage team can look into it.


I'm going insane here :-x as I'm being just fobbed off and have spent hours on the phone. Halifax don't have any online support for those who simply want a non-advised switch to a different product and are forcing me to go down the advised route, which I don't want to.


Is there a chief executive number that I could call directly and see if I can get anywhere? :???::???:



Edited by looking4advice
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Thank you for your reply fkofilee. Since posting on here, I have already made a complaint. Here is the issue...the advisors are suggesting different scenarios for the problem, such as wrong details entered, account locked out due to too many tries and possibly a major IT issue.


I haven't got a concrete answer and I'm worried I might miss out on the current offered rate and term available if this does not get sorted quickly. Is there anyone else with halifax who is having the same problem as me on here? How can I definately find out what the real issue is?

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Just spoken to several advisors on phone. One complaint handler is saying that there is a national IT issue, yet the rest are saying they don't know what she is on about. Now I raised this with the complaint handler and she simply became very aggressive and said that either I accept her resolution and wait (months on end if necessary) or she will simply close the complaint with a final resolution.


I have now lost the rate of 3.19% for 4yrs as halifax is now showing as 3.34% :-x


I'm wondering if anyone has a contact that allows me to get to a higher level person who could look into this???

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