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    • your claim is against whomever fitted that parts.  
    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a very  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat in grove of piston.
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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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      • 162 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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Lloyds continuing to charge...


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Guess what, checked my account this morning and found yet another charge because Lloyds took five days to clear a direct debit paid to me which put me £14 over my limit. In an effort to make this stop I have composed this letter which I will send today. I imagine the response will be standard but I am trying to avoid court for every b****y charge in the future. We'll see. letter below....

 

Dear Sir,

I note this morning with some regret that your automated system has charged me the sum of £30 directly out of my account which I believe to be in response to my account being drawn over my overdraft limit.

The limit was breached by the sum of £14.27 for less than one day on the 4th of Dec 2006.

I fully understand that Lloyds Tsb must incur an expense when it is necessary to either return a payment or notify a customer when an overdraft is exceeded.

Please note that I am happy to reimburse the banks expense in this instance, but the sum of £30 charged appears excessive for the posting of a computer generated letter. However I am more than willing to concede this point should Lloyds justify the sum in total.

Please note that banks have a fiduciary duty towards their customers and have a duty to deal straightforwardly and in utmost good faith. I therefore request that you send to me a breakdown of your charge to quantify the amount so that I can reassure myself that this is a charge for a service and not the penalty which it appears to be.

If for whatever reason you are unable to do this, in order to maintain a trusting and fruitful business relationship with Lloyds Tsb, I respectfully request that you remove this charge and reimburse me forthwith, also please ensure that no more charges of this nature are levied on my account.

Yours truly,

 

What do you think?? Will they stop charging? shall I ready the pigs for flight? icon7.gif

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..... also please ensure that no more charges of this nature are levied on my account.

 

It's a very nice thought but unfortunately I think your pigs will have more chance of flying than that happening. ;) But I'd imagine this letter will get the charge refunded with a very standardised apology from them.

 

Unfortunately they do continue to charge - even after filing a claim against them. I think the best approach is to being using a new account and be extremly careful with money. If you no longer use your Lloyds account you won't have more and more charges building while you're trying to reclaim.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Pigs on runway awaiting clearance from the control tower. Ah well... but the thing is, and I think this is common to most of the victims of lloyds, I watch my account pretty closely but sometimes, due to the fact that we all live close to the wind financially something slips through. This is what happened here... a payment made to me by Bacs took five days to clear instead of the usual four and now the charge has taken my over my limit AGAIN so I have to fight it again next month. And so it goes on.

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