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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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reload v Lloyds - FULL SETTLEMENT OFFERED!!!


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Excellent website, plenty of useful information - although I have to admit at struggling to find the FAQ threads at first, because of the large volume of announcements. Didn't have my thinking head on straight away, and mistook the announcements for the FAQs!

 

Anyway, have read a variety of the threads now, and am preparing to post my own claim too.

 

Fiddling about with Lloyds online banking however, I discovered it is possible to search for all of your previous Charges (Which unfortunately includes fees). It may be worth posting this information elsewhere, but:

 

Log in to your Lloyds Internet Banking account, and select the Bank account which you wish to search as you would normally.

 

Select "Statement" from the left hand menu.

 

From the drop-down menu at the top of your statement, select "Search Your Statements" and click "Go".

 

This next is a bit tedious. The site only permits you to search your statements from 01-07-2002 onwards, and only in +3 month intervals (So you need to do multiple searches, and copy/paste your results into a spreadsheet). However, adjust the search fields so they appear like the following:

 

65326_p988417.jpg

 

Click "Search", and the next page will display a list of your charges from the period 01-07-2002 up till 31-09-2002.

 

NB: THIS ALSO INCLUDES YOUR ACCOUNT FEES AND OVERDRAFT INTEREST WHICH YOU SHOULD REMOVE MANUALLY, AS NECESSARY.

 

You can then use a simple Excel spreadsheet to total up the 'charges' as necessary. Saves you a bit of legwork.

 

Hope this info is useful to others, and good luck with your claims. Will be interested to see how mine comes out :)

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reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hmmm, after totting it all up seems I'm owed £2225. This should be fun.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Welcome, and thanks for the advice!

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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... and sent my preliminary approach for repayment first class recorded for the sum of £2225. This is only for the last 4 years, and I haven't included the 8% which we seem to be entitled to as well - I'm wondering whether they might note this and settle a bit more rapidly.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Dont think you add 8% interest untill you get to court claim.Good luck and keep us posted.

 

After further reading - fair point :lol:

 

Just checked Royal Mail online tracking and my letter is recorded as delivered from Birmingham depot. Here goes!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Apologies for the self-bumpage, but opened a Natwest Step account as a parachute this morning - should get the letters to sign etc in the next couple of days. Will keep updating this for my own benefit as it seems most people do :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Blimey - got in from work this evening to find this on my doorstep. Quite impressive turnaround, even though it is a delaying letter:

 

Dear Mr reload,

 

I am just writing to let you know that we've recieved your complain - and to say how sorry I am to learn that you're unhappy with us.

 

You have my assurance that one of our assistant managers will investigate the concerns you have rasied with us - this may take a little time but I would expect our enquiries to be complete within the coming 2 weeks. We will then be able to respond in full to your complaint and at that stage, I hope, resolve matters between us.

 

In case you haven't recieved a copy of our leaflet called 'How to voice your concerns' I've enclosed one with my letter (They didn't, actually!). This tells you all you need to know about resolving your complaint with us.

 

Yours sincerely,

 

 

 

 

David Just

Assistant Manager

 

So, as I suppose this letter is dated 04/05/2006 this means I can assume they recieved the letter then, and give them 14 days from then till I post off the LBA :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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137 views and only two responses that weren't me - lol :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi Reload,

Yes I got identical letter in the post today.

 

How times have changed. I used to dread those ltsb letters, now I actually enjoy waiting for the postman. Keep us posted.

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Yeap same here for me and my girlfriend this morning lol. Must be really hard for Mr Jusst to keep going to that template and printing them letters off everytime (or his receptionist does) ;) Just goes to show they cant even look into it properly it is all the same stuff for everyone so it is never an individual case that they look at where there could of been a real issue for someone it is just a case of oh heres another one best get to that template. :D

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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Next we will all get the same letter saying sorry but not this time. They are just waiting till the end of the 2 weeks to send out the reply.

  • Confused 1

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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Share on other sites

Got this back today. Seems to be the standard reply letter, as far as I can tell:

 

Dear Mr Hibbert,

 

Re: Account Charges for Overdraft Excesses and Returned Items

 

Thank you for taking the time to contact us about your account.

 

I understand that

 

  • You feel that the charges you have incurred are unlawful.
  • You are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items.
  • You have requested that all charges incurred should be refunded for the past 4 years totalling £2225.00.

 

When you became a customer, we gave you details of any charge for the day to day running of your account. Details of our charges are also available from our branch staff, telephone helpline or our website.

 

For the vast majority of our customers banking with us can be completely free as charges are not made for services such as debit cards, cash machine withdrawals, balance requests, statements, cheque books and Internet banking. We also do not charge for processing Direct Debits and Standing Orders when they are paid through our customers' accounts.

 

One of the few services we apply charges for are when a customer does not have enough money in their account to meet payments they have requested us to make. If customers think they may exceed any limit they have, we urge them to contact us to discuss their requirements. Any requests for further lending are then assessed in line with our usual credit policy. Similarly, when we return an item, we are preventing a customer from exceeding their limit, and again as we explain clearly to our customers, this process incurs a charge.

 

Typically, we do not levy customers an excess overdraft fee the first time they go overdrawn without an agreement, as long as it hasn't happened in the past twelve months and we limit excess fees to a maximum of three occurances in any one month.

 

As a business we are entitled to set charges to cover additional work. These charges are not hidden and are notified in the guide to banking charges leaflet we produce. We advise our customers to ensure cleared funds are available in their accounts to meet payments due. You will also note that in the front of each cheque book we request that funds are available before cheques are issued.

 

You incurred charges because you did not ensure funds were available in your account to cover the payments set up by you. It is your responsibility to operate your account within any agreed limits and within the terms and conditions.

 

You accepted these terms when you opened your account and when you agreed your overdraft (I don't have one?). We did not agree to pay your account in excess of the amount agreeed without charges being made.

 

Accordingly, I am unable to agree with your request to refund these charges. We do expect your account to be run in line with the terms and conditions of its operation. This means that you must ensure that cleared funds are deposited into the account the working day before any payments are due. If you do not feel you will be able to run your account in accordance with the terms and conditions, we may have to consider withdrawing certain facilities, such as any debit cards, overdrafts and chequebooks. Alternatively, you may wish to consider alternative banking arrangements.

 

If you are unhappy with my decision and feel that you have something to add which might change the outcome, please get in touch. If we cannot agree on a solution at that point, I will help you refer your complaint to the Financial Ombudsman Service for independent arbitration.

 

Yours sincerely,

 

 

 

Chris Dunnett

Assistant Manager

 

Interesting that given the content of the template preliminary approach letter, at no point does the bank try to defend the charges as lawful. Neither does it attempt to defend the charges as proportional to their expenses. Could this angle be taken in a small claims court defense, I wonder?

  • Confused 1

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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reload i got the sod off letter 2 days after posting the prelim letter i diddnt even get the david just 1 telling me some 1 will look into it!! there must be some 1 standing in the post room just putting letters into envelopes waiting for ones to come in so they can stick a name on it ans send it back coz 2 days is a phenominal turn arround for any company, just a shame they arnt as good as a bank as they are at posting silly letters

LLOYDS TSB

DPA: REQUEST SENT: 11-04-06

RECEIVED 28-O4-06

PRELIM LETTER SENT: 04-05-06

RECEIVED SOD OFF:06-05-06

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Aye, looks it - given that most of our letters are pretty much identical template letters in any case, they're probably doing the exact same thing to us :lol:

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Apparently it's now straight to LBA without waiting for the 14 days to expire, as they've acknowledged the case :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=6461

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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yes reload you dont have to wait as they have responded i am still going to give them the 14 days before my LBA as it will be a bit quick for my court fees as i will be paying them with next months wages so i will have to wait till the 31st any way, in the mean time i`m gonna see if i can get a correspondance going with this Chris Dunnett never know something may come of it but i aint gonna hold my breath.:-D

LLOYDS TSB

DPA: REQUEST SENT: 11-04-06

RECEIVED 28-O4-06

PRELIM LETTER SENT: 04-05-06

RECEIVED SOD OFF:06-05-06

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Well as i said yesterday got the same letter as reload saying that they will get someone to look into it within two weeks and then bang the following day another letter exactely the same as reload for me and my girlfriend as we have two claims going. Didnt take them that long to look into it then did they? Like you say it is just them going through the motions and not taking any interest in what we have to say. Well for me and my girlfriend next up on Monday will be the Letter Before Action :D

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If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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Got this back today. Bog standard 'Really, we mean it - sod off!' letter.

 

Dear reload,

 

Thank you for your letter dated 8 May 2006. I am sorry to hear that you have not been happy with my response to date.

 

Unfortunately there is little I am able to add to my letter dated 5 May 2006 and I am only able to refer you back to the terms and conditions of your account, althuogh I do respect you opinion about our charges.

 

This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complain to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. I have enclosed a leaflet, which outlines how to contact them.

 

Yours sincerely,

 

 

David Just

Assistant Manager

 

 

Moneyclaim will be filed on 22/05/06. Oh, another letter through today telling me my parachute account is now open :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Apologies for the self-bump, but 3 days to go :D

 

Quite looking forward to visiting the Moneyclaim website on Monday.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Moneyclaim filed. :D

 

I have a contract with Lloyds TSB Bank PLC, conducted on their standard terms and conditions. I am claiming return of money taken by the defendant in the way of charges over the last 4 years, totaling £2225. The charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. I claim interest under section 69 of the county court act 1984 at the rate of 8% a year from (01/07/2002) to (22/05/2006) of £328.11 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%. I therefore claim a total of £2553.11 (£2225 + £328.11 interest).

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Got my Notice of Issue back from Northampton County Court today, with claim number and the rest of the details. Deemed to be served on 28th of May, and Lloyds now have until the 11th of June to reply.

 

Do I need to PM Bankfodder/Dave with the claim number etc?

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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If you need to add something to this thread then

 

Please click the "Report " link

 

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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