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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.

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      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.

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      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.
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      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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Coll2900 v Lloyds Tsb


coll2900
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Hi everyone

 

I’m really glad this sites exists, everyone seems so friendly and willing to offer help and give advice.

I’ve just joined the site, and after reading up a bit I'll start the process to reclaim my charges from Lloyds TSB, capital One and Citi cards. I’ve already calculated the amount of charges from Cap one and Citi cards. I just now need to send the S.A.R - (Subject Access Request) letter to Lloyds. I can’t believe how much the charges have amounted to and for the two cards the charges have made me go over the limit even more.

 

I’ll post more once I start the process.

 

Thanks again :)

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Ok please start a thread for your respective bank groups.

I will start the first for you.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Hi all

I finally found some time to start my claim against Lloyds. I've entered everything in the spreadsheet and I’ll be claiming around £2500 - including compounded contractual interest. My prelim will be posted tomorrow.

I'll keep you all posted.

Thanks

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  • 2 weeks later...

Hi everyone

I’ve been so busy the past couple of weeks that I haven’t had time to update you all on my progress with capital one.

I sent my prelim on the 2nd March; I haven’t had a reply yet.

I'll go on to the LBA in few days time.

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  • 3 weeks later...

I received one of the usual fobbing off/sorry you're unhappy letters after i'd sent my prelim. I ignore this and sent my LBA a few days ago.

Yesterday I received the following letter from Lloydstsb

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges. Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

 

 

Of course it's only fair too, that we're completely open about any charged-for services before you might need them. That's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.

 

 

Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.

 

If you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do.

 

 

The Office of Fair Trading has published new guidelines on credit card default charges. We’re still talking it through with them, but the important point is that the guidelines are about 'default’ charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations.

 

 

I do hope you can see that we make our charging system as fair as possible -and why I can't agree to cancel your charges.

 

 

I hope this fully answers the points you raised with us. Please let me know if there is anything else I can do to help. If we cannot come to an agreement, I will provide you with details of the Financial Ombudsman Service so they can consider your complaint independently.

 

 

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by 17 May 2007 I will close my file, though of course I will re-open it should you come back at any point afterwards.

 

 

Yours Sincerely

 

 

David Pye

 

Customer Service Recovery Centre - Andover

 

Guess'll ignore this, wait for the 14 days to be up then file my court claim. Out of intrest has anyone else recived this letter :cool:

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