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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 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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Bounce!!!!

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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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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...it appears that my internet banking have been taken off me. Can anyone explain why this may have happened.
Take a look at the following Thread, especially from #44...

http://www.consumeractiongroup.co.uk/forum/nationwide/81154-here-we-go-3.html

...The links in #45 provide further examples of this happening to others too!!!

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Bumpity-Bump!

 

(...to catch-up...cos U missed out Saturday's!...lol...:D )

 

Thanks MTM:D :D :D

 

Looks like I'll be popping into my local branch for the next couple of weeks then.

 

They'll soon get upset with me and pay back what's rightfully mine

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 Shaz,

 

Not yet, I'll be popping in to my local branch this week to find out whats been going on.

Probably their way of getting back at me for taking them to court............

 

To be fair as soon as I started this I trnasferred everything to my parachute account so it may have something to do with that.

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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hiya chunky,

 

thanks for that....i have my parachute account but was kind of hoping to keep the NW one as i've had it for over 20 years..I've also had an acknowledgement on the day they were served! on the 21st i think.

 

I really rely on my internet banking and will be so p****d off if they do stop it! who is it we can complain to? is the OFT or the banking ombudsman? i get a bit confused with all the different organisations!

 

Actually i think we are about the same stage iwth MCOL..if i remember correctly!

 

 

shaz

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hiya chunky,

 

thanks for that....i have my parachute account but was kind of hoping to keep the NW one as i've had it for over 20 years..I've also had an acknowledgement on the day they were served! on the 21st i think.

 

I really rely on my internet banking and will be so p****d off if they do stop it! who is it we can complain to? is the OFT or the banking ombudsman? i get a bit confused with all the different organisations!

 

Actually i think we are about the same stage iwth MCOL..if i remember correctly!

 

 

shaz

 

 

In your letters to them mention that you do not want them to close your account and if they do you will formally complain to the FINANCIAL OMB

 

they stoped closing accounts apparently

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In your letters to them mention that you do not want them to close your account and if they do you will formally complain to the FINANCIAL OMB

 

they stoped closing accounts apparently

 

thankyou very much for that, do you know where i can find address please

 

 

shaz

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When was your deadline k*pstar (sorry being a UTD fan can't realy write your full user name......lol)

 

Have you checked your bank account. A few defences recently have resulted in payout quite soon after. It seems their defence is Paid In Full

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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A real United fan, wow.

The deadline was 30th May, up to 2.30pm that afternoon it was still not acknowledged, thought i was in for an easy ride!

Not heard anything else yet, waiting for the court papers i suppose.

Looking forward to the local derbies again.

Andrew

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  • 2 weeks later...

Hi All,

 

Well countdown is progressing. NW dealine is on Sun 17th (so will give them till Mon 18th). When do you think I should send my little reminder e-mail to Eversheds. Was thinking of sending it today letting know they have a few days left.

 

Also has anyone got a template of sorts that they have used in an e-mail

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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I don't believe it. As my Internet banking is no longer working I thought I would set up telephone banking so I can check to see if my balance changes over the next few days......................

 

Well it looks like Nationwide have closed my account as my account number is now coming up invalid. My god am I angry. :mad: I've had no notification of this at all.:mad:

 

Anyone know what my next step should be.

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 admittedly [limited knowledge of this matter but what I have read on this board] is ring, declare account is in dispute, do it in writing and send signed delivery, tell company [not sure which Building society or Bank ur with] you are complaining to Ombudsman - a building Society was fined 10K for doing this as a example to the others to stop the practice.

 

Do a search & other stuff & contacts here should come up.

 

Laters

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Hi all. I have just read through this thread and I am even more disgusted with what I learn about NW. I think there is definately a case for going to the Financial Ombudsman Service here. However there is no point in doing this yet. The FOS will not get involved while a case is going through the courts. Hang tight and I am sure your claim will be settled in the courts but then when you have your money back complain to the FOS with regard for the way NW have treated you and the difficulties that you have been caused by their actions. Decide how you would like to be recompensed by NW in compensation and let the FOS work with you to fight for this. NW deserve to be fined for what they have done to you.

GOOD LUCK

Trickyt;)

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Thanks TrickyT,

 

Hopefully I'll have a nice cheque waiting for me at some point this week, and can start the process off sooner. Could not believe what they have done when I looked this morning. Problem is I can't get to the bank till Sat morning to vent my frustartions at them.

 

I'll just have to hold tight and see what happens.

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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Hey I know how you feel Chunky but DON'T GET MAD, GET EVEN!! I started my own thread this morning so you can check on any progress I am making as it happens. I rang the FOS this morning and my complaint has been received and they expect it to be actioned in 7-10 days if not before. NW usually then get in touch very quickly and change their tune miraculously for some reason.:rolleyes:

GOOD LUCK

Trickyt:)

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Hi All,

 

Well countdown is progressing. NW dealine is on Sun 17th (so will give them till Mon 18th). When do you think I should send my little reminder e-mail to Eversheds. Was thinking of sending it today letting know they have a few days left.

 

Also has anyone got a template of sorts that they have used in an e-mail

 

 

Has anyone got a template I can use or a draft e-mail they have sent. Time up on Sun so would like to send a little reminder today.

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, I've just sent Eversheds my nice little reminder e-mail. Awaiting reply now. Lets hope there reply is paid in full and I'll have a nice cheque waiting for me when I get home.

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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Got my reply back from Eversheds. It appears NW filed defence yesterday. have checked MCOL and it is now showing as defence filed....:-| nothing more can be done, awaiting transfer to court

 

Could it be the defence is paid in full and there is a cheques waiting for me. Do they usually file 3 days before deadline. I thought they normally waited until about 1 min before.

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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Woohoo,

 

Got home from work on Friday and there was a letter waiting for me from Nationwide,

 

Dear Mr Chunky1977,

 

In respect of your charges blah blah blah, we have now full refunded all charges £6,400 + Interest of £500 (which I never claimed for as I forgot to include in my MCOL), and £250 court costs.

 

Absolutely fantastic, going on hols in 2 weeks so don't even have to wrry about spending money now.

 

What a great weekend I've had.

 

Thanks to all at CAG for your advice. I shall still be on here as I'm taking on Lloyds and will now be sorting out my parents accounts for them.

 

Will make a donation as soon as poss.

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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it does my head in!

 

Why, if they are just going to pay up anyawy, do they insist on filing a defence? They filed defence on my first claim on day 29 - as i passed judgement - then paid up about 5 days later.

 

Wel done Chunky - have a great holiday!

:| worried and stressed:|

Nationwide! Here i come, could be alot of money they might have to pay me back:eek:

 

Data request letter sent 04/06/06 via Hull Branch Nationwide.

Hull financial consultant called ME to help 04/06/06

:smile:Refunded £1200, 19/07/06, still going for the rest of it though!

LBA posted 22/09/06 claiming £2720!

D`oh! - put wrong amount in LBA - short by £1000!

Finally got the money to go to court 09/03/07

Acknowledged 13/03/07

No reply, so judgement issued 29 days after acknowledgment 14/04/07

DEFENCE FILED ??!! 09/03/07

FULLY PAID UP 17/04/07

Second Prelim sent 20/04/07

Second LBA sent 01/05/07

MCOL acknowledged

County court letter saying PAID UP 20/06/07 - although this wasnt the claimed amount, so i disputed it.

Still awaiting court date/decision due to OFT case.

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