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    • utter BS, doesn't matter you signed it. pers i'd be writing as per the other threads here rejecting the car as not as described under CRA etc and be done with it. as its a debit card you could also do a full chargeback within 120 days to your bank and simply dump the car back to BMW. 100's of like threads to read here. get your ducks inline. make sure you know what you are doing and off you go. dont take any BS from BMW, no matter what you sign it does NOT remove your consumer rights. p'haps it might be on the off chance you are a good manager , a quick phonecall tomorrow saying you dont want it because (no bla bla fitted) it might be resolved in 5 mins..i will guess to date you not tried
    • No need to worry about Rwanda Just give all the illegals one way trip to Northern Ireland then they can wander off into the EU through your beloved open border.     Job Done 😂🤣  
    • despite the evidence mounting against Chrichton, Vennells wrote in a meeting note that Crichton 'was possibly more loyal to her professional conduct requirements' "Vennells said Crichton was upset that the Post Office had ruined her reputation and compromised her by undertaking a further review of the Second Sight handling. Crichton was said to be ‘very emotional’ and her ‘ego and self-esteem have been undermined’."   That it seems all about their own interests - says a lot about both Chrichton and Vennels views on 'professional conduct requirements' eh?   Former Post Office chief executive Paula Vennells complained that general counsel put her integrity 'above interests of business' | Law Gazette WWW.LAWGAZETTE.CO.UK Susan Crichton was left waiting outside board meeting to discuss damaging forensic accountant's report, inquiry hears.  
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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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maleo v HBSC ***WON***


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It's your claim and your decision Maleo, but I think I would carry on for the interest too. As long as you are happy with the settlement that's all that matters. Once you get your money I'll change the title of your thread and move it to the successes forum.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro. I'm happy with the money, as it's all I needed. Posted the acceptance letter this morning, and will let you know as soon as the chq lands on the doormat!

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Do!!! I'm convinced that it must have helped - I've not heard anyone so far who have received a full settlement (granted, no interest - but that was at the court's discretion anyway) before a claim is issued. Maybe CCing my letter saying sod off to the last charge to David whatsit helped, maybe it was the complaint to the FO about how useless they are, maybe it was the mention that I had complained to the data commissioner about their lack of attached notes to my records........ I'd go for the lot - only takes 10 mins, and might save some time for everyone. I just went for anything and anyone I could write to that might help, and one of them seems to have worked.

 

I really hope you get yours sorted soon. I'll keep reading your thread, but let me know how it goes!!! :-)

 

Dave

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Excellent news maleo. I think you've made a wise decision too.

 

I too think Ms Short's involvement had a little impact here :-)

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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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I think it may have done - I sent her a thank you this morning! :)

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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hey maleo, i checked out that website you mentioned earlier - where you contacted ms short. only trouble is my councillor is a big drip as i'm in a different constituency. i'll give it a go tho all the same.. you never know, it might change my opinion lol;)

If i've been helpful in any way....then tip my scales over there!

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lol - I hope it goes well! I got a letter from her this morning with a copy attached from the HSBC - they'd replied to her saying they would sort it to "our mutual satisfaction" - go Clare Short! :)

 

Who is your MP, netty?

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Think it's Gisela - just had a look on her website - she's Edgbaston, Harbourne, Quinton and Bartley Green.

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Hey Maleo congratulations on your victory! Just about to start claiming back my bank charges and read how you had conatced your MP. Thinking of writing to mine and cc her on the prelim i send to the bank any thougts? Which address did you use for the HSBC David Lewis @ Canada Sq. London?

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Hi there,

 

I asked my MP to write to both David Lewis and to Colin Langdale, who was the guy dealing with my issues... However, if you're just starting off, I'd get your prelim off first, then speak to your MP about getting involved. If they're supportive, you could get them to send a letter to whoever deals with your claim at HSBC's end and to David Lewis at the same time you send your LBA.

 

Don't know if this works, or if it's what made a difference, but it's worth a shot!!

 

Good luck!

 

Dave

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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I got the last word, but they got the last dig... The cheque only went into the post this morning!!

 

Ah well, I've waited this long, 2 days won't matter too much!

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Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Excellent thread, some good methods there - i think i may try something out of your book ages have passed since i started my quest for righteousness.....................

 

WELL DONE !

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I have no debt , but i cant get any credit : (

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JUST GOT THE CHEQUE! :)

 

Mind you, the letter accompanying it said that they'd initially tried to put it into one of the now defunct bank accounts.... I wonder if I shall get two cheques?

 

What would be the appropriate procedure if this was the case? Take it, invest it, and give them a £ a month back, whilst accruing 15% through a bond account with the Lloyds? It would only be like they've done to me... tee hee!

 

Anyway, I'm now going to open a lunchtime bottle of champers to celebrate, after I've dropped the cheque off at the bank!

 

Good cheer to all, have a fab weekend!

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Well done Maleo!

 

You look familiar......

 

I don't know about familiar but not old enough to have bank charges. Are you over 18 Maleo?;)

 

Anyway congratulations, and don't forget the survey.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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LOL

 

Thanks so much for asking, Caro - I'm 23 :D

 

Yay - everyone says that!!!!!! Whereabouts in Bham are you from?

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Not Birmingham, Leamington Spa in Warwickshire. I just popped to the NEC for some concert tickets for my daughter and its about 20 minutes away if that gives you a clue how far away I am.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yeah, I've been to Leamington a few times - some student friends of mine live there, lol :)

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Robbins Well or Sugar?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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