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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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Chunky1977 vs Nationwide **WON**


chunky1977
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Afternoon All,

 

Well I've sent my SAR off today, now just gonna have to sit back and wait for the statements to come in before getting ye olde highlighter out and reaping the rewards.:rolleyes:

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Well have just checked on Royal Mail website and NW received the SAR today. 40 days and counting.:cool:

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Can anyone tell me how long it was before they received acknowledgement of the SAR. Its been almost a week now and I've not had the standard letter back that everyone else seems to have had.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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My acknowledement took a few days and then the statements arrived, nicely bound, a couple of weeks later. I guess they're getting busier now as more people realise they can claim back what is rightfully theirs.

 

Sit tight and they should turn up. Then just follow the advice on this site and you WILL win

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Received letter acknowledging S.A.R yesterday. Usually thing stating they have 40 days, statements have been ordered for me.

 

Nothing trying to fob me off yet though, that'll come with the prelim.......

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Oh it will chunky!!!!

I was lucky i had all my statements and they have charged me 310.00 of penalties to my account, wrote to them 12th Dec asking for it back, got letter from them 28th Dec saying no way, we are open and transparent about our charges and if you dont like it, go bank elsewhere........oh i will once my student loan has gone in on 22nd jan, and then we shall see how open and transparent about their charges they are in court!!!!

Good luck my friend.

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  • 3 weeks later...

Got my statements through the post this morning. Have checked and am now ready to send pre-lim letter out.

 

As my claim is £5k+ do I need to send 2 pre lim letters one for £5k and another for the remainder.

 

Also do I need to wait until the 40 days are up or can I send straight away.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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hi chunky, from what i have understood you should claim one at a time as they can accuse you of wasting the courts time as your claims should be together and therefore not suitable for small calims, as i have read you should split by date and you dont have to wait the remainder of the forty days you can go ahead and send off your prelim.

 

best of luck with your claim, i hope this has helped.

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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Hi Chunky1977!

Got my statements through the post this morning. Have checked and am now ready to send pre-lim letter out.Don't forget to also Claim Contractual Interest @ this stage.

 

As my claim is £5k+ do I need to send 2 pre lim letters one for £5k and another for the remainder.Why not go for ONE Claim via the Fast Track Court?...similar to the Small Claims Court, but U just have to fork out a tad more up front, which U will be able to Claim back when U win. Check out all the details in the following link:

Fast track and multi track

 

Also do I need to wait until the 40 days are up or can I send straight away.The 40 days was just for the S.A.R....U can send the Preliminary Letter whenever U want to.

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Cheers Garu will keep tabs on it.

 

Thanks for the info Milktrayman.

 

I'll start my calculations with contractual interest and take it from there.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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(or to put it another way, it hasn't got to court and Nationwide have started paying out :D See my thread )

NOT strictly true Garu...

I think U meant to say that U haven't had to physically appear in Court (...as of yet hopefully!) before they have started to pay some of your Claim.

The fact that U have Filed your Claim @ Court means just what it says: U have got to COURT!

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Had a few probs so only getting round to sending off Pre lim now. 1 quick question - Milktrayman you mentioned about Contractual Interest, do I claim that just on Overdraft fees or on the full amount.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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  • 2 months later...

Hi All,

 

Well its been a while since I have been able to do anything. Lost my job slap bang in the middle of taking Nationwide to court. Now I've got the funds again to place the MCOL. So here I go again.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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  • 2 weeks later...

Have submitted my MCOL this evening:eek:

 

Now the countdown begins.

 

When do the 28days begin. Is it from when I receive notification that the claim has been served

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Hi again Chunky1977!

Am sorry about not replying to your post many moons ago.

...U must have slipped of my radar??!

I hope U managed to find out the answer for yourself?

...When do the 28days begin. Is it from when I receive notification that the claim has been served
In a word...YES!!!
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Many thanks Milk Tray Man. Worked out the Contractual and to be honest for the amount of times I went overdrawn it was minimal (less than £10) so not really worth claiming for.

 

Only 4 minutes till the papers officially get served (well according to MCOLs 10am check)

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Hi Chunky1977!

If U had lost your job and were Claiming certain benefits, progressing your Bank Charges Claim via N1 Form would have been more economical up front for U, with the exemptions from fees etc etc.

Have a look @ the links in #23 of the following Thread:

http://www.consumeractiongroup.co.uk/forum/nationwide/84346-dickie-nationwide-2.html

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Oh shoot!!!!!!!!!!!

I've made a bit of a boo boo and am not sure what to do about it. I've just realised that when filling in my MCOL i put in the notes that I would be claiming the statutory 8% interest, but I then forgot to include it in my total claim:( (to be honest I thought as it was statutory it was added on automatically by the court (its was only after finding the details of where to send my charges that I realised I should've added it on))

 

When I send my charges off today shall I put it in that or have I lost out on it. Its only a couple of hundered pounds so not too much of a drama but I'm just hoping that it won't look bad on my claim.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Not to worry Chunky. Depending on how much the interest is and whether it is worth it, you could amend your claim using:

 

Form N244 - application notice

 

The downside is there is a fee for it, although I'm not sure how much or whether you can (cheekily) add it on to your claim. Possibly not with the latter. I'm sure someone else who is in the know will be able to tell you.

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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Received notification from court yesterday. papers deemed served on 20th May. Nationwide to file before 3rd June. My estimates make it payday 'hopefully!!!!!!' by 17th June........just in time for my hols

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Received Acknowledgement of Service on Sat 19th May so sending off schedule of charges to Eversheds today.

28 days from date papers served (20t May) is up on 17th June.

Lets hope I get some contact soon.

 

Watch this space

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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Thought I would just have alittle look on my internet banking to see if any payments had been made as yet (I know its early but you just never can tell with NW). Anyway it appears that my internet banking have been taken off me. Can anyone explain why this may have happened.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007

 

 

Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07

 

OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07

 

T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07

 

 

Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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