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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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Mr_White v RBS


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Hi All,

 

Acting on behalf of the missus

 

Posted DPA letter again yesterday 13/12/06 recorded delivery.

 

RBS denied receiving the first DPA letter sent in October :mad:

No doubt taking advantage of me forgetting to send it recorded.

 

Wish me luck !!

RBS - £1640 refunded

MBNA - £60 refunded

Barclaycard - Still awaiting statements requested 17/1/07

Lloyds TSB - DPA sent 10/4/07

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  • 4 weeks later...

Hi

 

Could someone kindly provide a link to standard letters:

1. asking for an overdrawn account to be put in dispute due to regime of unlawful charges and;

2. making a repayment offer to a bank in respect of a loan which is now been put in default.

 

Still no statements received from RBS !! Grrrrrr

 

Thanks

RBS - £1640 refunded

MBNA - £60 refunded

Barclaycard - Still awaiting statements requested 17/1/07

Lloyds TSB - DPA sent 10/4/07

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  • 5 weeks later...

Hi All - latest update as follows:

 

Preliminary letter sent to branch St Anns Street Branch, Manchester, (recorded delivery) easking for £1586.85 + £286.45 interest.

 

Will update further if and when they reply.

RBS - £1640 refunded

MBNA - £60 refunded

Barclaycard - Still awaiting statements requested 17/1/07

Lloyds TSB - DPA sent 10/4/07

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Guest willowb

Hi there:)

 

Is the interest contractual? If not and it's the statutory 8% then it should only be added when you file a claim.

 

Wxxx

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Hi willow

 

I didn't put it on the schedule, but I put it in the prelim letter where it says:

 

I calculate that you have taken £1586.85 plus £286.45 which you have charged me in overdraft interest for the sum which you have taken. Total £1873.30.

 

Is that okay or should I have stopped at £1586.85?

Does it matter?

 

 

 

RBS - £1640 refunded

MBNA - £60 refunded

Barclaycard - Still awaiting statements requested 17/1/07

Lloyds TSB - DPA sent 10/4/07

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Guest willowb

Hi:)

 

If the £286.45 is the interest they charged you on the unlawful charges taken from your account then that's spot on! Did you use the spreadie or work it out yourself?

 

I did this with RBS when I was a little newbie and worked it out myself because the spreadsheet scared me:eek: ....imagine hey!

 

Are you going to go for the contractual rate or the 8%?

 

Wxxx

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The problem is that "interest" is used for so many things and generally everyone gets confused as to what interest is used when.

 

The more experienced people (in this case wb) always double check what the newer peeps are referring to as interest because they often confuse them.

 

The interest on the prelim letter is as you said overdraft interest which is a calculation of the debited interest on your statements. Most new people (who often jump in head first and don't read enough!!) confuse the issue and add their 8% there and then. If you've added your overdraft interest then proceed as you were.

 

Think wb was checking just to be on the safe side ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Guest willowb

Yep!;)

 

Hello T4FF, you help alot of peeps out here don't you? this used to be my old stomping ground and I like to pop back now and then to see if I can help somewhere.

 

Wxxx

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That I do! I like to think I am getting a little revenge for the 6 years of hell they gave me ;)

 

The refund of charges wasn't enough for me lol

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi all and thanks for the replies.

 

The £286.45 interest I added was the interest automatically worked out by the spreadsheet when I typed in the list of charges. So I guess that would be the o/d interest.

 

Do I add 8% or contractual interest on top of that once I issue the claim?

 

God i'm confused already - hope they just pay up

RBS - £1640 refunded

MBNA - £60 refunded

Barclaycard - Still awaiting statements requested 17/1/07

Lloyds TSB - DPA sent 10/4/07

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Guest willowb

Yes, that's right. When you file your claim you can include interest in the full amount but not in your particulars of claim....all will become clear when you file. For now, just do what you are doing....well done:D

 

Wxxx

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The prelim includes your overdraft interest and also your contractual BUT only if you decide on going down that route.

 

This is a decision only you can make based upon the pros and cons of either route. If you wish to have a quicker experience and are happy enough with the 1.8k then go ahead with the prelim as you have it now and you may be settled before it goes to court. Otherwise you go to court, add your 8% and the bank will settle anyway.

 

If you however, want to fight for the extra money that is involved in a contractual interest claim, then add this in at the prelim stage. Expect a real fight for this, you will certainly need to do a lot of research and reading of other ppls claims. This will be contested by the banks and you will have to prove why you are entitled to it. It can be done, but it may not be your cup of tea.

 

Personal opinion I guess.......

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 1 month later...

Hi all

 

Well we won !!

 

Received letter offering full settlement (£1600 +) 7 days after LBA posted !!

 

Could somebody change the thread to WON !!

 

Thanks again to everyone

 

Barclaycard (if I ever get the statements) then LTSB !!

RBS - £1640 refunded

MBNA - £60 refunded

Barclaycard - Still awaiting statements requested 17/1/07

Lloyds TSB - DPA sent 10/4/07

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Hi all

 

Well we won !!

 

Received letter offering full settlement (£1600 +) 7 days after LBA posted !!

 

Could somebody change the thread to WON !!

 

Thanks again to everyone

 

Barclaycard (if I ever get the statements) then LTSB !!

 

GREAT STUFF!!!!!!!

 

My LBA went in last week..... hopefully good news is coming my way too.

Request for statements sent 1/2/07

 

Statements received 10/02/07

 

Prelim emailed and posted 15/02/07

Prelim email received 15/02/2007

Prelim letter signed for 16/02/2007

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Thanks chaps

 

 

The g/f rang them as it was her money could she have a cheque rather than be paid into the bank. They said "as it was the banks money" they intended to pay it into the account and reduce the o/d accordingly and she could basically take it or leave it !!

 

At least its wiped out the debt, but it would have been nice to spend it instead !! :grin:

RBS - £1640 refunded

MBNA - £60 refunded

Barclaycard - Still awaiting statements requested 17/1/07

Lloyds TSB - DPA sent 10/4/07

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