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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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Junklunacy v Alliance & Leicester


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Hi All, This is my 2nd thread for claiming back charges. My first is junklunacy v Barclays which is currently at MCOL stage and awaiting Barclays defence.

 

With regards my A&L claim I have sent my letter for repayment on 30/12/2006 for a total of £746 excl interest. I will be giving them 14 days before I send them another letter and then a further 14 days. If i don't receive the FULL amount after this time I will be paying MCOL another visit as I have done against Barclays. End date for A&L to pay me in FULL is 27/01/2007.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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I've received a fob off letter from A&L. They comment on OFT comments on late payment charges and that they were actually referring to late payment fees for credit card payments which are distinct from bank charges on current accounts bla bla bla. So another letter is on the way to A&L setting timescales for my demands etc..etc.. This WILL NOT DETER ME!! Nor should this put off any other people who receive similar letters from their banks. We must NOT let them put us down or detract us from our main objective - getting OUR cash back!!

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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me and helemn received exactly the same letters today from a&l...i have already sent LBA to them...up theirs...........still waiting from Capital One statements and Barclaycard said that they will charge £3 per each statement i require and i needed 6 (as all the rest of them i have) and they have only charged me £3 for the whole lot....strange

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Sent A&L a letter on 8/01 to basically remind them that i'm serious and the timescales they have to meet my demands. A fob off letter will not wash here. Looking forward to their next letter.

 

Follow my claim with Barclays here http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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Received a letter from A&L yesterday 12/01. They've had the 'opportunity to review why the charges were raised and considered my comments', yea right! Again they have said the charges are in line with other organisations and supplied a phone number and web address to fix all my 'problems'. These guys are heartless but not unexpected. I will be posting another letter prior to their deadline one last time and if that fails MCOL here i come.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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Guest ian cognito

It would appear you have to file a claim before they will pay out, but pay out they will, I did mention to the court when withdrawing my claim that they without fail say they will defend the cliam but have never yet done so, lets hope the courts are now taking some notice!

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I am prepared for court so as soon as the timescales I've given them elapses I will be visiting MCOL.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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Hi

I've received the same letter from A&L as follows

' commets of OFT were referring to unfair credit card charges and had nothing to do with banks.'

 

they did not accept they I had been unfairly charged and couild not agree to my request for a refund of charges.

 

This was after my preliminary letter from library which already sets out timescales. Can I now send LBA as they have replied, even though its less than 14 days?

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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Personally i would stick to your timescales 14 days and another 14 days. It means if you do go to court you can say you gave the bank adequate time to deal with your case. I sent another letter after the one you received saying that i wasn't happy with the standard repsonse and that i will be submitting my claim on MCOL when the time comes. To bait them more i will remind them what I'm doing 3-4 days before I do it. Again it gives them time to reply and I'm still sticking to my timescales. In this case they have until 27/01 to give me my money otherwise i will be visiting MCOL.

 

You can view my other claim with Barclays here

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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thanks for that. I will send another letter like you and repeat timescales etc.

Thought a LBA was the next step?

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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These are letters before action....until i either receive money in full or i submit my claim online.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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  • 2 weeks later...

I've received a 3 rd letter from A&L basically saying bugger off. I've given them more than 28 days to deal with my complaint satisfactorily but to no avail. I'm currently due in court next week for my claim with Barclays see here http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html so as soon as that is sorted I will be filing my claim with MCOL against these people!

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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I have had an acknowledgement from A & L to my LBA letter saying thy are looking at it and will contact me idc. Will only wait theoriginal 28 days before I do a claim

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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I've received a letter from Barclays offering to SETTLE IN FULL :D see here http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html So A&L i'm coming for you....:) MCOL will be visited in next day or so!!

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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  • 2 weeks later...

I put my claim in to court last Thursday (7th Feb). I had a letter today offering me charges claimed plus around £200 (£1911). I have claimed £3342 with interest and actual charges are £1769. I think this letter crossed with the small claims notification.

I do not intend to acept it and will tick out for whole amount.

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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How are you doing with your claim?

 

I have now had letter of acknowledgement of N1 and they are going to defend.

Have you heard anything yet?

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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I've received my acknowledgement from the court. AL have until the 4th March to defend. I expect the same Barclays delaying tactics...offer 2 days before the court appearance...:)

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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I had confirmatio from Alliance themselves today they will defend They got 28 days so I make it 15th April.

Alliance prelim 7th Jan £3270

sod off letter 14th Jan

LBA 19/1/07

N1 taken to local court 6/2/07

Offer recived part amount but already in court

WON! WON!full amount !!!!!!!!!!!!!!!!!!!!!!!!!!!!:D

 

Barclays prelim £1973 7th Jan

No can do letter 14/1/07

LBA 16/1/07'

part offer received and refused 1/2/07

N1 issued 15/2/07

letter received re defence - they have till 22/3/07

Defence received - 25/3/07

AQ received to be back by 11/4/07:-(

 

Lloyds TSB trustcard S.A.R - 12th Jan

claim for £126 prelim 12/2/07

sod off letter recd.

LBA 17/3/07

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They are going to defend my claim. I am posting a letter detailing schedules to MCOL and A&L which i meant to do after I submitted my claim on MCOL. I am putting my AQ together now which will be the new one which I used against Barclays.

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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Guest ian cognito

I really wouldn't waste too much time on this if I were you, at the moment your time will be better spent reading the the A&L success threads and dusting off your paying in books.

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More than enough of my time has been spent reading threads on this forum and I've been through the process with Barclays. What else do you think I can learn from reading more blogs saying I've won I've won bla bla bla....?

Barclays Bank - Preliminary Approach for payment 03/11/2006

SETTLED IN FULL 05/02/2007 £1722

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/46690-junklunacy-barclays.html

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