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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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I Won!!!!


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Hi, im new to this site and need some advice.... i have looked around at some other cases and really want to claim back my charges but my account is overdrawn by about £350 and the bank are going to pass it to their collections team unless i clear it or make arrangements to clear within the next 7 days. If i send the S.A.R to my bank how will this affect me with regards to their threats to take further action if i do not attempt to pay back the overdrawn amount. I know the amount i would be claiming back is far more than what they say i owe them...and it is only the charges they have put on my account that has put me overdrawn....

 

any advice greatly appreciated

 

thanks:confused:

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You need to inform them that the balance is in dispute due to unlawfully excessive penalty charges. This will stop them doing anything further until the dispute is resolved. Put it in writing, phone first if you want to.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 2 months later...

Hi angry, going well at the moment i think. am about to send my letter before action, as I had a reply stating that as a "goodwill gesture" they would repay £386.00 of the £1437.28 that they have charged me!! lol. I have had pretty quick responses from the Halifax, although i have not had any reply to my letter saying i would NOT accept £386 as full and final settlement.

 

i will keep u posted

 

bank avenger :D

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  • 1 month later...

Hi everyone, great news I WON!! :D . I got as far as issuing court papers and the Halifax sent in the Acknowledgement of Service stating that they intended to defend. I received a letter from the Halifax letting me know that this is what they had done, HOWEVER, on a purely commercial basis it would not be worth their while defending, as they would not be able to claim back their costs (even if the bank wins) was what they put in the letter.

 

On this basis, and with no admission of liability whatsoever, £1875.05 will be refunded to your account within 5 working days.

 

I checked the bank today and they had actually done what they said, and the money was there.

 

A huge thanks to the site, and to my mate Angry Banker for all her help.

 

Note to all you fighting the Halifax - hold on in there, you'll get what you want in the end

 

A very happy Bank Avenger :D

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You dont have to wait for a reply. You do your own timetable.

Prelim wait 14 days

Lba wait 14 days

N1 or Mcol and the bank has 14 days to respond.

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Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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