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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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kkatiew v Lloyds ***WON***


kkatiew
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Ok, thanks Guido. Although the original amount I asked to refund was 3046.50 plus 1080 in interest ! The amount should have been 3046.50 plus 243.72.

 

I am fine to leave it, but do you think it's going to work against me when it comes to offering a settlement or will they do the sums ?

 

Thanks

 

Katie

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Unlikely to make any difference, what is important is that your claim form includes the correct interest calculations.

 

Looks like you are claiming statutory interest and this should not be included in the preliminary letter anyway.

 

Likely your claim will settle and no one will ever look at the bundle anyway - but prepare like there is going to be hearing.

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Hi Katie

Lloyds have paid out today on my claim, the date that the court bundles were due in. They also paid out on merewynkitt who had same court date as me in sheffield (28th). May be a new tactic of lloyds to actually pay out BEFORE the court date. Fingers crossed may only be another 14 days

 

skb

Victory over Lloyds £890

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Victory over Vodafone: default removal

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Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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  • 2 weeks later...

Hi everyone,

 

My court hearing is 14 March and although I've already sent my court bundle some time ago, i've only got a couple of days left before the 14 day deadline. I was wondering if theres anything new I need to include (I actually prepared and sent my bundle back in December).

 

Many thanks

 

Katie

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It may help you to check against this link:

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

When invariably Lloyds fail to produce a court bundle (after the deadline) then send the letter here:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html

If I have been helpful please click on my star and add a comment.

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hi everyone,

 

Well, the 14 days are up for all parties to file their documents at court. I've telephoned the court and the guy there said that SC&M had'nt filed any documents and intend just to rely on their defence. SC&M confirmed this. Now while most other cases seem to settle around or before this point, is this a 'normal' course of action ?

 

Any replies would be most welcome as I'm getting rather scared now !

 

Katie

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Can be a bit hit and miss when Lloyds settle, but one thing is nearly always certain they settle before the hearing - sometimes even on the day of the hearing. As I said in my post 47 send the non compliance letter anyway.

 

Lloyds have never filed a bundle.

If I have been helpful please click on my star and add a comment.

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Hi Katie

 

They paid you yet?? Hopefully money should be in your account by the end of the day

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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Hiya SKB,

 

Not a penny as of this evening. Was hoping might go in a similar pattern to yours but not a bean ! Have sent of the non-compliance letter today by fax, so still waiting.....

 

Katie

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Thats a damn shame, I thought they were finally starting to get their act together. Gotta be one of the most foolish thoughts i've ever had

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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No such luck skb,

 

As of today, I have faxed over the non-compliance letter and a copy of the orignal Court Order....

 

Again I wait, Only 12 more days to go !!!

 

Katie

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Congratulations, Katie.

I will get the thread moved to **WON** as you requested.

 

Regards, Rooster.

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:) CONGRATULATIONS KATIE:)

 

 

4 days early aswell, may be worthwhile apply for costs to be awarded. See here

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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  • 2 months later...

Hi Everyone,

 

I've posted this already in YB forum but not got any replies and I know how good we are in Lloyds.... ! So I thought i'd see if anyone else knows.

 

I had a personal loan account held with YB over a number of years. I am attempting to reclaim my charges back so I sent off the S.A.R - (Subject Access Request) with the £10 fee. After 56 days, I received a letter as follows :-

 

With regard to your DSAR request........ Unfortunately we are unable to issue statements for your account as this is a personal loan account for which statements are not available.......

 

I'm not sure now. Surely they should be able to supply me with some information ?

 

Has anyone else come across this or is it because its a personal loan account and not a bank account ? I was under the impression you could claim back regardless of what the account was if there were unfair charges debited.

 

Many thanks

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