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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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Jambleach v Halifax


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Hey guys,

 

Just want to vent really. In six months the Halifax have had £700 off me in bank charges.

 

I've been on the phone with them again today, made a complaint about a member of their staff as they were rude, and for the third time they've reduced me to tears on the phone, I'm embarrassed to say.

 

I earn minimum wage and am virtually destitute. The last time I bought toilet rolls, it ended up costing me £40.

 

I've just had enough now.

 

Can somebody say something to cheer me up a little?!

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Hi Jam,

 

don't let them get u down, cos u will beat them at their own game.

 

Start off by sending an SAR (letter can be found on the templates) this is a request for all of your statements, which they have 40 days to comply with. (remember to include a £10 postal order)

 

Just to reassure u, i won my case against the Halifax and had £1875 paid back into my account today after sending court papers.

 

They havnt got the balls to go all the way with this but u have

 

If u need help with anything just ask

 

Bank Avenger :D

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Hi Jambleach.

 

Can somebody say something to cheer me up a little?!
I will do my best.

 

I've been on the phone with them again today, made a complaint about a member of their staff as they were rude, and for the third time they've reduced me to tears on the phone, I'm embarrassed to say.

I hope that you got her name and reported her by name. She deserves carpeting. There is simply no excuse for rudeness, especially to customers.

 

Right, then, first. Make yourself a big mug of coffee, grab a couple of biscuits, because this is where you start to feel better.

 

This is a self-help forum, so it is important that you understand what you are doing if you want to ensure success.

If you follow faithfully the well-tried and tested procedures that we suggest, then you WILL get all the penalty charges back, because those penalty charges are unlawful.

 

Spend a few days reading the FAQs and the step by step guide in the library section. That will answer most of your initial questions.

Post any questions and progress reports here. Any advice you need can then be tailored to be relevent to your claim. Have a read of some of the longer threads in the Halifax forum to get a feel for the action.

 

Now say, out loud, I am taking on The Halifax Bank and I am going to WIN.

Did I detect a glimmer of a smile? I thought so. And you've not even started yet.

 

Good luck with your claim.

Regards, Rooster.

;)

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Jambleach,

 

I will get the name of this thread, changed for you to

 

Jambleach v Halifax.

 

This will be your "battle-thread".

  • Haha 1

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

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Follow link for more information.

 

------------------------------------------------------

Please donate,

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Thank you both so much for your very lovely and helpful comments.

 

And you're right, you did make me smile!

 

I've spent most of the evening crying, but having already received my statements from the bank, I've started compiling my list of charges and spent the last hour going through them all! Hoorah!

 

Well, I'd better get on with it!

 

Thanks again!

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By the way, it's very ironic that all this has happened.

 

When I joined the Halifax back in 2003 I lived in Halifax, West Yorkshire, and only joined them because I wanted to support local business. Ha! How stupid I was.

 

I wish they'd support us a bit more.

 

Ahhh well; lesson learned!

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Well you can get your own back now for them letting you down,:D :D :D

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

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Yes, let's hope so!;)

 

Anyway, I've compiled my list of charges now (£690). I've listed them as 'Charges As Notified' as this is the only explanation on my statements that they re-sent me.

 

I'd really appreciate it if somebody could point out which is the correct spreadsheet to use when making the calculations for the first letter.

 

Thanks again!:D

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Click here for Vampiress' Chamber of Spreadsheets

Do the first one for the non added interest

and 3a for added interest,

That is what i did,

HOW TO...DUMMIES GUIDE TO CAG...Read here

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F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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No, just the first one. With no interest, the interest comes later (at the court stage)

It does seem daunting but once you read plenty it does get easier. Try reading peoples threads to see how they all started, it is easier to see what to expect. But there are plenty of people to help on here. :)

Have you gone back for the full 6 years?

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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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  • 4 months later...

Well, I'm back again. I've finally got my response from The Halifax. It started off looking like a standard letter, then it stated that I referred them to the OFT for charges on sredit cards. I've never even had a credit card with the Halifax.

 

Anyway, the long and short of it is that they've declined my offer...

 

What's the next step?

 

I guess I just send the next letter right?

 

Thanks for reading!:p

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Oh Nooooooo! I think I've done something wrong! :shock:

 

Please help!

 

I sent out the 8% interest with my preliminary letter. Am I gonna get away with this?

 

Now I need to send off the letter before action, and I need to make sure that I get the interest right. I find it too confusing, and I'd rather not include it.:| No matter how many times I've tried to follow the instructions, I get it wrong. Can anyone help me with this? OR do you think it's still ok to claim without claiming the interest?

 

I think part of it is that not all of my charges came out when I was in my overdraft.

 

How should I re-phrase my letter now?

 

Please help! I've got myself in a right muddle! :?

 

Thanks so much xxx

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You will be fine with it on your prelim. Dont worry.

 

You dont need to do anything with your interest yet.

Send your Lba.

 

Im not too sure which part is confusing you. If it is the 8%, then this will automatically add up on your spread sheets. (Did you use them from vampiress chambers?)

 

You dont need the interst until the next stage.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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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