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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
        • Like

Big Claim aginst RBOS


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We will be pretty busy over the next few weeks.

 

Litigation against the RBS is not easy........ or CHEAP!

 

We can't post the details on this forum (obviously), but three of you will be getting 'up to date' info.

 

Sorry, Sparkie......for taking a bit of your thread, but you are one of the three!

 

Also.....PW & JC

 

D&D

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Sparkie - you must make your MP aware that a claim cannot be struck out unless the other party makes an application to strike the claim out, which did not happen in your case.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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best of luck mate, go stick it to them.

 

I'll second that. Good luck sparkie :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yeah cmon sparkie, spill the beans

 

unless its really bad news then in that case I DON'T want to know

 

heres hoping for good news

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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....He'll be down the Pub..... whichever way it's gone !!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Oh no, not again. :( Sparkie, I am so sorry. Hopefully your MP can help out.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Oh no, not again. :( Sparkie, I am so sorry. Hopefully your MP can help out.

 

 

HI citizenB,

 

My MP is on the ball he got his secretary to call me to make the appointment ....shows he's still interested in whats going on.

 

sparkie

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HI citizenB,

 

My MP is on the ball he got his secretary to call me to make the appointment ....shows he's still interested in whats going on.

 

sparkie

 

Why am i not surprised with the costs.

 

Your MP, unsurprisingly believes serious injustices have occured in your relentless effort to prove wrongdoing by the bank.

 

Every dog has its day.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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can a moderator or bank fodder look at sparkies case and the invaluable work he has done on this site through his case.... If we set up an account for say sparkies costs and we ask for donations , I would be happy to make a donation towards such a case..... come on CAG let us really get behind people who are challenging the big companies.....????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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can a moderator or bank fodder look at sparkies case and the invaluable work he has done on this site through his case.... If we set up an account for say sparkies costs and we ask for donations , I would be happy to make a donation towards such a case..... come on CAG let us really get behind people who are challenging the big companies.....????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????

 

 

Thanks fergal71 for your support, its through support like yours that keeps me going

I am submitting this letter to the judge that heard my case would like peoples opnions and comments additions I can add or what ever

 

Would like as many as poss to read my letter I am submitting with my N244 application.

 

What do folks think of my introducing the case law with it .

Would it have the be reverse effect of what I expect it to do??

 

To

The Honourable Judge J Hale.

 

Your Honour,

 

I respectfully write to you and submit this letter along with my application for clarification of the order for costs you made in the case Sparkie ( Claimant) v The Royal Bank of Scotland PLc ( RBS) ( Defendant) in the Warrington County Court, on the 30th March 2007.

 

I fully understand that you cannot be expected to recall the intricacies of all the cases that are placed before you, I therefore attach a transcript copy of your judgement summary, wherein you ordered that the Claimant pay the 50% of the Defendants costs, in order for you to appraise my application for clarification, and I highlight the related parts of that summary, for which I respectfully ask you to clarify.

 

I submit a chronological sequence of events that have taken place since your judgement.

 

In August 2007 the RBS in a letter to my MP Mr Andrew Miller that as “a gesture of goodwill the Bank has not pursued Mr Sparkie for its costs”.

 

In September 2007 I received a Bill of Costs from the RBS solicitors for the sum £14080.55 minus 50% making a claimed total payment of £7040.27.

 

I then engaged a cost draughtsman to prepare my points of dispute, of which, with the exception of 3 small points were rejected.

 

In addition to this rejection of my points of dispute, I then received a revised Bill increasing the Bill by £500 for omissions, claimed to have been made from the original Bill.

 

The Bank ( RBS) then submitted the Bill for assessment.

 

The assessment hearing took place in The Chester County Court on the 3rd September 2008, presided over by the Honourable Judge Harrison, the Bank through its solicitor’s submitted to the Court that they were entitled to claim 50% of all of their costs.

 

Judge Harrison then proceeded to assess the Bill as per the Judgement order, he did not wish to read you judgement summary informing me that he was obliged to work off the actual judgement order, which is now assessed at some £ £8250 including the assessment hearing costs.

 

In view of your end paragraphs of your judgement I was of the belief that you meant that I was only liable for the costs of the actual hearing, in view of this Judge Harrison stayed the enforcement of the costs order for 28 days in order for me to contact you direct for clarifiction.

 

I believe that you meant 50% of the actual hearing only. My reasons for that assumption is, before the actual hearing began in full you informed me that I had won my Data Protection claim.

 

You then went on to ask me if I wished to proceed with my claim for damages.

I stated that I did.

You then adjourned the hearing for one and a half hours, in order for me to “readjust / ammend” my submissions for damages alone.

 

Unfortunately due to my inexperience and naivety, I had not, as you made perfectly clear to me, paid enough attention to proof of damage, and did not present you with the case law that proved beyond doubt that damage occurs in every instance when defaults are registered with Credit Reference Agencies and does not have to be proved.

 

I refer to the case Kpohraror v The Woolwich [1996] 4 All ER 119

 

“The credit rating of individuals is as important for their personal transactions, including mortgages and hire-purchase as well as banking facilities, as it is for those who are engaged in trade, and it is notorious that central registers are now kept. I would have no hesitation in holding that what is in effect a presumption of some damage arises in every case”

“I would uphold the master's award of general damages of £5,550. He said that it was 'somewhat coincidental' that this was £1,000 more than the amount of the cheque, although I think he meant by this that the appropriate sum by way of general damages could be calculated in that way in the circumstances of this case. This amount, as he explained, contained some allowance, though not very great, for injury to the plaintiff's credit and reputation in Nigeria

 

That was my downfall and my fault and does not affect your actual judgement, the failure was my fault, you made the judgement on the facts presented to you, you cannot be expected to be able to read my mind.

 

I merely add this to reinforce my submission that I believe that you meant I should be liable for the hearing costs and judgement only, which in my view would be 50% of say £2000, and refer you to your view in your judgement that you believed that to pursue me for 50% of that £2000 was uneconomical for the Bank to do so.

Unfortunately for me they did not take your advise.

 

 

I therefore place myself at the mercy of your decision on my application as to what the order was in fact meant to be.

 

 

Very respectfully

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can a moderator or bank fodder look at sparkies case and the invaluable work he has done on this site through his case.... If we set up an account for say sparkies costs and we ask for donations , I would be happy to make a donation towards such a case..... come on CAG let us really get behind people who are challenging the big companies.....????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????

 

Thanks for the idea and offer fergal71, but most of the people on the forum are in the same boat they have not got money to throw about supporting me when they cant really afford to take these morons on themselves in their own cases,

 

thanks again matey your support is really appreciated,

 

sparkie

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sparkie, I emailed you but forgot to say it was me :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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hi sparkie I am sure that is the case for many on here, there are also others who just want some payback.... There are over 180,000 as members on here if each of us paid £1 into a special fund which I am sure we could all afford then we could democratically decide on which cases to use the money on. Yours for me would be a prime example I am sure there are other cases also we could vote and use the funds to appoint solicitors etc to fight cases that will set precedent maybe and benefit the masses....

 

I do not think £1-£5 for most is unrealistic... if mods put on front page and we set up credit union acct for us all to pay into online or by phone etc...

 

we can then set up a voting poll for those who have donated

 

what do you think ?????

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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