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    • your claim is against whomever fitted that parts.  
    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a very  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat in grove of piston.
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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
      • 162 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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nas2211 v Barclaycard

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Hi all,

After reading lots of peoples threads I sent my SAR to Barclaycard just before Christmas. Should get my statements by the end of the month I hope.

In the meantime, I've got a bit of a query I hope someone could help me with. I'm currently over my credit limit by about £400.00. This happened before about 3 years ago and I cleared the entire balance in full which was around £1500.00, a fair chunk of which was charges (late payment & over limit). My current balance also includes another big chunk of charges from late payment & over balance.

The amount of charges I will be reclaiming will be partly from the balance I previously cleared, and partly from my current balance. My question is will Barclaycard apply the refund of charges to reduce my current balance, or will i be able to receive a cheque/bank debit for the charges I incurred and then paid off in full?

I'd be very grateful if anyone could help,

Cheers, love nas2211 x


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Still haven't received the statements so today wrote to Barclaycard reminding them that they only have 14 days to provide me with the info or I'll make a complaint to the Information Commissioner.


Fingers crossed it'll all turn up soon because I want to get the ball rolling on this one!

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  • 3 weeks later...

The deadline for Barclaycard to provide my statements by was the 29 January and i haven't received them.


I sent a polite but firm reminder on 14 Jan telling them they had 14 days of the 40 days remaining.


I received a letter from Lindsay Hilton, Data Protection manager, on 18 Jan confirming they had received my request and that I would received the info within the 40 day timescale.


I was surprised then that the deadline passed without the statements being sent so I telephoned Lindsay yesterday on 01604 254518 to chase them up. Lindsay was unavailable but left a number for Adrian Whalley to be contacted on instead.


I spoke to a very harassed Mr Whalley (now that's a comedy name if ever I heard one!) who told me very bluntly that due to the high volume of requests they'd received it was impossible for them to meet the 40 day deadline, and that he had informed the Information Commissioner of this too. He implied that the Information Commissioners office was understanding of this but was very vague as to whether that meant a complaint could not be lodged against Barclaycard for failing to meet the deadline for my SAR.


I received a letter today from Mr Whalley telling me that the 40 day deadline was about to expire (as if i hadn't realised that!) and that I should received the statements 'as soon as they can'


I'm still very unhappy about this as Mr Whalley was unable to give me any timescale as to when the statements will be received, and was mightily unhappy when I said I would give him another call on Friday if they hadn't been received!


Has anyone else had any experience of this from Barclaycard? Seems as though they can't handle the pressure! :o


Adrian Whalley is responsible for all Barclaycard SAR requests and can be contacted directly on 01604 254663 or 07920 267281 if anyone needs to chase up their late info.


Can anyone tell me if I should still make a complaint to the Information Commissioner or not?


Thanks, Nas

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Hi Nas, just read your thread. If you read mine of yesterday, you will see same thing has happened. rang BC last wednesday 24/1, spoke to Mr Whalley, said to bear with them as they are all under tremendous strain. Won with LTSB back in November, but just got my statements right away, with Barclaycard, not too sure how I should be playing this one. will keep watching for any help.


Truth fears no questions.

MyzeeJon88 ;)

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Barclaycard are notorious for stalling. Have a read around the BC forums, there are plenty of people in exactly the same situ. Complain to the ICO, you can do it straight form their website. I'm in the same situ atm - can't get all my statements back as they've said they don't exist!!


Can read it here

If my post has been useful, tip my scales and let me know


Always start with the User guide!

Stuck with RBS charges? Click here!!



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Thanks myzeejon88 & T4FF, I've had a read through some other threads and have decided I will make a complaint to the ICO. I guess if everyone does it, even though BCard say they can't handle the pressure, perhaps the ICO will lean on BCard to employ more people to handle the requests!


Will update you when I eventually receive the statements.....

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  • 2 weeks later...

Hi all,


I finally received my statements today and have calculated Barclaycard owe me £704.00 over limit and late payment charges.

Am sending my 1st refund request letter today and will update you when I get a response.....

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  • 3 weeks later...

Received a letter yesterday from Barclaycard offering me the difference between the £12 "recommended" by the OFT and the £20 charges I received before they dropped the cost of charges. It amounts to £224.


I can't believe they're trying it on!


I've sent back an LBA giving them 14 days to respond then I'm straight down the court...


I'm a little worried thought after reading the Sunday Times article today about how the OFT will make a statement soon about how much is acceptable. Is this likely to mean Barclaycard will ignore my request while they wait for the OFT report?

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  • 1 month later...
  • 2 months later...

Hi all,


Bit of an update:


My case was issued and barclaycard responded with a standard defence.


I've been given a court date of 2nd August 2007 and court bundles have to be provided no later than 14 days before that date so I'm getting on the case and starting to prepare it now.


I'm concerned that I'm unable to find relevant copies of their terms and conditions. Would it be appropriate if I sent a letter to Barclaycard's legal department requesting they provide a copy of them as I intend to rely on them as part of my evidence and then if they don't I can say to the judge they didn't comply to my request? Or do I need to make an order for them to disclose them?


I'm quite anxious about getting this right after what happened with the Lloyds case and my letters to B'card were written before the prelim/lba letter templates changed requesting they provide a copy of them so I haven't previously asked for them.


Any help gratefully received :)

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Hi all,


Was hoping someone could give me a pointer. I'm just collating my court bundle together which doesn't have to be provided until 20th July but I wanted to be organised!


I haven't got any copies of B'cards terms & conditions and as my original request letters were sent before the templates were changed to include a paragraph requesting copies of the t&cs, I haven't at anytime asked for them.


Is it appropriate to write to B'cards legal team requesting copies so I can use them as part of my evidence or will I be exposing the fact that I don't have any copies to them which they will then use in their favour?!


I'm hoping they will do their usual trick of settling at the last minute but I don't want to leave the t&C issue till its too late to do anything then be completely stuck when it gets to court.


Any advice gratefully received :)

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I Wish you everything you wish yourself.


NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Thanks for the bumps guys, funnily enough I've just today agreed a full settlement with B'card :D but would be great if anyone could answer the query on behalf of all the others currently in the same boat.


Cheers (a very happy) Nas :D

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Congratulations!! Well Done! And how did you manage that?! what was your court date? mine is due on July 30th, so plenty of time i suppose. would just like to get it all over with. :-D

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I didn't actually do anything! A settlement letter came in the post today offering the full amount and I just tweaked a couple of things i.e payment by CHAPS rather than to my B'card and removed the confidentiality clause and that was that!


My court date was August 2nd so I would imagine you'll hear something soon. Good luck with yours :) :)

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  • 2 weeks later...

Any Barclaycard T and Cs? Anyone?

Barclaycard - Moneyclaim - acknowledged


First Direct - SETTLED :)

Halifax - SETTLED

HSBC - Moneyclaim - defence

Littlewoods - Moneyclaim - acknowledged



Time Retail Finance - Moneyclaim - acknowledged


The missus

Abbey - LBA sent

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