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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.  

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      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.

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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.
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      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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Bernardcoglan v Bank of Ireland


bernardcolgan
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Hi all , i live in Belfast N.Ireland and want to claim back charges from my bank (bank of ireland) every month i get charged 14.50 for being overdrawn ..ie. direct debits and succh... some times the bank charges me 14.50 and by doing so put me overdrawn and again charge me another 14.50 for been overdrawn (which they done in 1st place).. well my question is because im living in N.Ireland can i still get theses charges back??????????

 

PS.. theses charges are for being overdrawn in my current account , i DO NOT have an overdraft with my bank , will this affect my claiming theses charges back or can i claim them back????

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don't see why not. think you will have to look in to the steps you need to take. i'm sure some one with a lot more experiance than me will be able to help.

have a read through this it will help i hope http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

 

i have the letter to bank printed and all , just want to make sure .N.Ireland comes under the same law concerning penalty fines

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Hi Bernard,

 

Yes you can claim any penalty charge back.

The procedure in N. Ireland is the same as England. Maximum value of claim for small claims is different. I think that i may be £3000 but not sure.

Spend a few days reading the FAQs and the step by step guide. That will explain a lot to you.

 

Good luck with your claim.

 

Regards, Rooster.

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Hi Bernie your posts moved here.

Check out some threads from other Irish claimants...in particular Ulster bank as theres been a few of them.:)

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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Yes you can claim everything back bernard. I just won my case against the Northern Bank, they settled in full.

Northern Bank Ltd.

19/08/06 - Data Protection Letter Request.

26/09/06 - Statements received (October 1999 - September 2006).

13/10/06 - Letter requesting refund of £643 charges sent.

30/10/06 - Letter Before Action sent.

13/11/06 - Refund of £224 Offered. Offer Refused.

11/12/06 - Court Claim filed against NB.

21/12/06 - SETTLED IN FULL - £784.36.

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  • 2 months later...

well i got it started and sent the first letter asking for list of charges imposed on me over the last 6 years. i got a reply today and they had about 12 bank charges of 12.50 each against my account ,No charges from dem 06, and i know for sure i've been charged this year, i was expecting a much greater list of charges against my account than i got

 

Question: what do i do now , should i send another letter complaining that they didnt send me the complete list and the 40 days is still running ?

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  • 4 weeks later...

ok i sent another letter telling the bank that thier 40 days was still running and that they were not complying with the data protection act by not sending me a full list going back 6 years of charges made against my account . yesterday i recieved a list of charges made against my account but they only go back 4 1/2 years and NOT the 6 years required as i asked for ..

 

What do i do next ?

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stick in an estimated claim and take them to the IC via a complaint.They should sort them out.

 

 

IC .... WHATS THAT ?

 

 

ALSO..I hav noticed several account maintenance fees of 8 pound and Interest Component Fees of 5 pound .

The most Interest i have recieved from my account is 8p and they carge me 5 pound and more on from what i can see is a regular basis too.

I wonder what interest rate they are charging me compared to what they are giving me.

 

 

 

Are these repayable too ?

 

Also..... Are thay breaking the data protection act , by on 2 occassions supplying me with incomplete records of my account .

 

Can i do anything to get the bank in to trouble by not complying with the data protection act ???

PS ... including component and maintanance fee's it comes to 450 pound , but that only goes back to aug 2002 which is not the 6 years which i requested!(demanded)

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