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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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DBR solo account vs lloyds ****WON****


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The day after their deadline, send this letter to the court, with a copy also to SC&M - http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires-14.html#post535117

 

So I take it you submitted a statement of evidence and everything else, yes?

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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The day after their deadline, send this letter to the court, with a copy also to SC&M - http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires-14.html#post535117

 

So I take it you submitted a statement of evidence and everything else, yes?

I did indeed, i got the bundle and everything in that and also included the statement of evidence from a page i found here :D

 

How long do you think it would take to pay out after the court got this letter?

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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You could actually get a settlment any day now. If not, send that letter in the day their time is up and the judge should strike out the defence without further order. This would be in, say, about a week (ish) after you submitted the letter.

 

They would probably pay up at that point, but if not you could then enter judgement against them using form N225 - if this was the case you could also request costs.

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Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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You could actually get a settlment any day now. If not, send that letter in the day their time is up and the judge should strike out the defence without further order. This would be in, say, about a week (ish) after you submitted the letter.

 

They would probably pay up at that point, but if not you could then enter judgement against them using form N225 - if this was the case you could also request costs.

*sigh* Id rather get paid than have to go through more form filling... we need £80 to start my boyfs claim!!!

 

Anyway, thanks for all your help and good words, they give us the strength to hang on in there. Like a pack of chiuahua's clingling on to LTSBs ankles, never letting go... or something

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Don't worry, you're nearly there now;)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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This is normal, they do not send them anymore, probably as they have reverted back to this 1 month settlement stay and do not want us to find out until the court have granted the stay.

If I have been helpful please click on my star and add a comment.

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This is normal, they do not send them anymore, probably as they have reverted back to this 1 month settlement stay and do not want us to find out until the court have granted the stay.
Ah its ok though, i got the new order anyway. There is about 2 1/2 weeks for them to send in thier stuff.

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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  • 2 weeks later...

According to my calculations, thier 28 days is up on Friday (20th). Unless Bank Holidays dont count... in which case it will be on Sunday (22th). Unless weekends dont count in which case, i have no idea.

 

Anyway, i sent my LBA for the extra £125 they took since starting this claim.

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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They get additional time for bank holidays, weekends are included in the 28 days.

 

They usually file a defence at the last minute. It is best to receive a defence as this means your claim is progressing as it should.

 

Generally where a defence is not filed something has gone wrong, like the claim form sent to the wrong address.

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Hi Daisy, would you believe but i am going to start a new claim, they take £35, 00 amount out of my account for O?D chargers it's become a waste of time keeping my account in credit as they just add another charger then i am overdrawn again the another charge. £150 plus in chargers since I started my case at Xmas, it's a pain having to go through it all over again.

don't really want to close my account but maybe I will just have too.

pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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They get additional time for bank holidays, weekends are included in the 28 days.

 

They usually file a defence at the last minute. It is best to receive a defence as this means your claim is progressing as it should.

 

Generally where a defence is not filed something has gone wrong, like the claim form sent to the wrong address.

Ive filed a defence and got a court date!!! Its gone past all that.

 

What Im waiting on is for them to send thier papers!!!!

 

My court date is 12th June, but the judge said for me to send all my papers within 28 days to him and LTSB else he will strike out my claim. Also then, for LTSB to send all thier papers to him and me within 28 days of me sending mine else he willl strike out thier defence. I sent mine on 21st March and SCM recieved thiers on 23rd according to the PO website.

 

So i just needed to know if Bank hols counted. I guess thier day will be 22nd April (or 23rd as 22nd is a sunday)?

Hi Daisy, would you believe but i am going to start a new claim, they take £35, 00 amount out of my account for O?D chargers it's become a waste of time keeping my account in credit as they just add another charger then i am overdrawn again the another charge. £150 plus in chargers since I started my case at Xmas, it's a pain having to go through it all over again.

don't really want to close my account but maybe I will just have too.

pen

I know! My joint accoun has been charged for going over twice in one month - THREE times now, and theyre taking £70 a month for going over £50! Its a perpetual vicious circle.

 

Once i get the majority of mine back, im going to open an account with either Smile or Nationwide. i like the look of an ethical or non-shareholder banks...

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Hi Daisy

 

Smile say they are "ethical" - but they still unlawfully make these very same charges that you are claiming back from LTSB. Furthermore, their "true cost" (which none of them have as yet revealed) in returning items unpaid is probably substantially less (as an "internet bank") than the others (as "high street" banks) because they never write to you by post - they send automated "secure messages" via e-mail! Ethical or what??

 

J

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DBR - sorry did not read far enough back on your thread, my comments still apply though, in that they get additional days for bank holidays and weekends are included in the 28 days.

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Hi Daisy

 

Smile say they are "ethical" - but they still unlawfully make these very same charges that you are claiming back from LTSB. Furthermore, their "true cost" (which none of them have as yet revealed) in returning items unpaid is probably substantially less (as an "internet bank") than the others (as "high street" banks) because they never write to you by post - they send automated "secure messages" via e-mail! Ethical or what??

 

J

the way i see it is that all the banks are unethical when it comes to charges. this puts them on a level playing field. But at least smile dont invest in the arms trade or other nasty industries.

 

With Nationwide, it looks interesting because of the fact there are no shareholders... i will have to look further into all of them.

 

At the end of the day, theyre as bad as each other when it comes to charges, so its a case of picking out the lesser of the evils. LTSB wont be having my business for much longer.

 

Shame - after 17 years of loyalty as well.

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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well, i am a bit scared now. Today was the deadline for LTSB to submit thier docs and Ive recieved nothing from them, no docs or cash in my account.

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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No need to be scared - thats the beauty of the directions order, if they don't submit anything by the deadline then the defence is struck out, = you win!

 

Just send this letter off to the court -

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html#post757475

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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good luck Daisy

 

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Darn, Ive left the details about what the judges name and address is at home!

 

Needless to say though, no docs and no dosh.

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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No need to be scared - thats the beauty of the directions order, if they don't submit anything by the deadline then the defence is struck out, = you win!

 

Just send this letter off to the court -

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html#post757475

I have done the letter and put it in the post.

 

But I rang the court too, and asked what was meant to happen, the defence should be struck out and she said yes, the judge may well strike it out on 12th June on my court date.... Please dont say its going to drag on til then?

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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But I rang the court too, and asked what was meant to happen, the defence should be struck out and she said yes, the judge may well strike it out on 12th June on my court date.... Please dont say its going to drag on til then?

 

Bumpety bump.... Anyone please?

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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No need to panic!:)

 

Just sit tight and wait for the judge to strike out the defence. The terms of the order are clear - no submission, no defence. Just sit tight. There really isn't alot more I can tell you, becouse unfortunately I am not the judge!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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No need to panic!:)

 

Just sit tight and wait for the judge to strike out the defence. The terms of the order are clear - no submission, no defence. Just sit tight. There really isn't alot more I can tell you, becouse unfortunately I am not the judge!

Sorry Gary, Im not enjoying any of this at all, and just one more question i promise - does this mean i have to wait til June 12th? or will the judge send SCM a letter saying that its now struck out?

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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oh my god i think you have done great so far i am with lloyds also and they have until the 10th may to put in there defence after reading your thread i am now scared it all sounds so confusing i was hoping it would be all over soon but if yours is anything to go by then its gonna be ages. but i suppose £4900 is worth the wait.

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