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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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Trucker v Barclays **WON**


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Hi All.... I am new to this site and stumbled across it as a consequence of a disagreement between me and my bank.

 

As a result i now wish to reclaim all charges made against my account for the past 2 years (only had this account 2 years), however this time last year i over run my overdraft by a considerable margin. The bank did nothing to stop me, in fact they seemed quite happy to charge me £75 p/m. It wasn't until September that i contacted the Bank to get the situation sorted and went onto a overdraft reduction scheme, which finishes early next month. Can i claim charges back despite the fact that i knew i was over my overdraft limit? As i said the bank just carried on collecting fees. They never attempted to contact me apart from the standard charge letter that is sent out. All contact was instigated by me.

 

Would be grateful for some thoughts.

 

I have not as yet explored the entire site and wonder if there are template letters that i can use to start the ball rolling??

 

Thanks in advance

 

 

madeleine150x120.gif

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Hi and welcome to the forums.

 

It seems from your questions that you have not yet read through the Frequently Asked Questions (FAQs) which is an absolute must.

 

Spend a day or two going through those, as well as the "Case Guidance Notes" etc. You will find them invaluable, and you need to do this in order to grasp the implications of the task that lies ahead of you......

 

Once you have done this, if you still have any unanswered questions, then post them here and they will be resolved in no time....

 

Many people here could easily answer those questions, but it really is vital to do some of the groundwork yourself. On the plus side, the benefits of a little hard work will hopefully result in a nice refund of those charges in the months ahead.

 

Good luck..!!!

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..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 10 months later...

+Hi All

 

I am just about ready to start on the road to reclaiming unlawful fees against my account(s).

 

I do have 1 question though, that i couldn't find the answer to in the faq section.

 

One of the accounts that i wish to reclaim fees from was a joint account that was closed in 2005 following divorce. The account only needed the authority of either signature. Will the fact that i am now divorced hinder in any way the access to data or pursuit of the claim without consent from my former wife ?

 

Trucker

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If it is an "either signature" account, you should be ok. Try sending a DPA request and see how they react.

Preliminary Letter sent to Woolwich 05/06

LBA sent 19/06

Court claim filed 04/07 : Total £824.75

Acknowledgement of Service 27/07

Defence received 08/08

AQ filed 11/08

Barclays AQ filed 05/09

Hearing date 20/12

SETTLED IN FULL £840.49: 14/12/06

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I will be compiling DPA request later this evening ready for posting tomorrow. Should i send this recorded delivery?

 

Looking a bit further forward should i make 2 seperate claims for the 2 accounts or just bundle them into a single claim?

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I am also claiming for my own current account. Would you send 2 seperate DPA requests or just include both accounts on the 1 letter.

1 DPA request + 1 £10 fee, mention both a/c no's.

 

Looking a bit further forward should i make 2 seperate claims for the 2 accounts or just bundle them into a single claim?

You can combine the if the total is less than £5000
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I will be compiling DPA request later this evening ready for posting tomorrow. Should i send this recorded delivery?

 

Looking a bit further forward should i make 2 seperate claims for the 2 accounts or just bundle them into a single claim?

 

 

Given that banks can be a bit devious, I tend to take the line of 'safe rather than sorry'. For the xtra 70ish pence it's probably worth sending recorded, then, if they don't provide info within 40 days you will be able to prove they received your request. As I live within a few minutes walk of my local branch, I hand delivered all of my correspondence and got the cashier to sign and stamp a receipt for me. :-D

 

Good luck with it all

 

Jules

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As I live within a few minutes walk of my local branch, I hand delivered all of my correspondence and got the cashier to sign and stamp a receipt for me.

 

 

I never thought of just taking correspondense to the branch. Could this be done for everything, including the court papers etc.

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I never thought of just taking correspondense to the branch. Could this be done for everything, including the court papers etc.

Any thing to do with your bank can be transferred on their internal mail, but as 'Jules' states ALWAYS get a receipt saying who accepted it and when.

dont give them any room to delay any further than they already do..

Good Luck

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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where do i address the DPA letter to. Have found several names and 2 different addresses, 1 in Cheshire and 1 in London.

 

I sent mine to my own branch who forwarded it to Customer Services Leicestershire LE87 2BB.

 

Another addy is Churchill Place, London

see here

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html?garpg=4

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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I noticed from another post (sorry, can't remember who) that they had a problem when it came to sending in the bailifs as they had used the customers services address in Leicester which is a P.O. Box. For that reason, it may be better to use the Head Office address in London.

 

Jules

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Hi All

 

Been doing a lot of reading of other threads and research into the whole process. But one thing is puzzling me. Why is the interest removed from the original spreadsheet that you send to Barclays? Surely you want to claim this from the outset.

 

Trucker

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Hi All

 

Been doing a lot of reading of other threads and research into the whole process. But one thing is puzzling me. Why is the interest removed from the original spreadsheet that you send to Barclays? Surely you want to claim this from the outset.

 

Trucker

can no one help me out?

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Please advise!!!

 

Before Xmas, I got upto the letter before action stage.

(Sent the letter and gave them 14 days to reply). As life never runs smooth - a family crisis evolved and the bank charges got left.

It is now 5 months later and I now have the time to deal with it again.

Please advise where I would start from now.

 

A financially desperate housewife!!!! LOL As we all are!!!!

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deb [sorry to invade your thread Trucker]

I think it is safe to say that you have given Barclays enough time to respond.

You could start the ball rolling again by sending a polite letter saying you feel that Barclays have had ample time to review your claims and due to the lack of response from them you have no option but to pursue the matter through the small claims court.

This way hopefully you will get an answer from them even though it will prob be a pathetic offer saying they are inundated at the moment blah blah blah, to which you will obv accept and continue to the MCOL stage.

hope things. are looking a bit better for you now.

good luck

 

oh and you might want to start your own thread too.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Why is the interest removed from the original spreadsheet that you send to Barclays?

 

Hi Trucker, back on to you.

I have wondered this too, but I think it is because initially you are making Barclays aware that you are aware of the amount they have borrowed from your account and want it back [in a polite way], then when they get shirty and say 'Ha get lost' you turn nasty and say right 'you had your chance' im gonna slap the interest accrued too.

 

My opinion, prob way off the mark but no doubt one of the big boys on here will set you straight soon

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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  • 2 weeks later...

I'm thinking of renaming my car.

 

From henceforth (as far as I am concerned and I don't see why I should inform anyone else it might affect) it will be known as my mobile armchair.

 

I am self proclaimed exempt from any reasoning or legalities that the rest of the UK recognise as valid and fair. Never again will I have to worry about road tax, insurance or a valid MOT and can entirely ignore parking restriction, the Highway Code and speeding tickets.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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