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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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reload v Lloyds - FULL SETTLEMENT OFFERED!!!


reload
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Hi reload,

 

just been reading your post re lloyds after you recommended your thread to a lady bloggger (my bank who i intend to sting) which hopefully should gear me up as i'm new to forums and this site. Just seeing as you seem to know what you are talking about... i appear to be being thick, what the hell is an LBA - am i missing something in the FAQ? Many thanks and good luck.

 

Scat

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It stands for 'Letter Before Action'.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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.

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Thanks guys 'n' girls,

 

another dumb question... where do i do my reading on this site about adding interests etc to any amount due ( i know further in the future but curiosity and all that!)

 

Love this community spirit against the banks ha ha

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yeah its good isnt it. i think its about time people got together and stood up the rip of merchants. i think its great.

yeah its in the library. it calculates it for you, you just put your charges in, list what they are, the date it was accrued, and it calculates your interest. theres also a daily rate you can work out for anything that goes over what youve already put.

on and on it goes!!!........:???:

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Near the lop left you'll see a link 'User CP'. Click on that and it takes you to your own control panel.

 

On the left hand side is a menu of all the things you can do....read posts, change your signature etc

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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.

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Awww, thanx. Is there a way i can track posts and replies sent to me easily (after i have logged out and recieved/read notification e-mails etc...), still having trouble navigating a bit! e.g. search?

 

Start a thread of your own & call it "scatmonkey v LTSB" or whatever bank you are claiming against in the appropriate bank's thread.

 

Then you can update us with your progress, ask questions & receive answers all in the same place which makes it easier for everybody to follow.

 

If you have problems starting a thread click on my user name, highlight "send kazzaw a private message" & type your message in the box. I'll help you. :)

FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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  • 4 weeks later...

Just a quick bump. Gradually getting back into the forums again after a while away. Will be going after Lloyds for the first two years quite shortly - and given the precedent they have set with my for the most recent 4 years, I'm hoping for a fairly rapid settlement.

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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  • 5 months later...

Well here we go!!!

I first heard about the illegality of these charges through martin lewis's site moneysavingexpert.com and became more interested. Picked up information on this site from the weekend daily mail. I have started action with 2 HSBC bank accounts an hsbc gold card (who will be getting a court action letter in the post). Claims are at various stages with liverpool victoria, barclaycard, virgin, mbna visa, capital one and the partnership store card a total of 9 claims. I can't give a total amount as I am still waiting for 40 day responses from most of them. hsbc have been the fastest to respond providing statements and the gold card part have also responded with the "our charges are fair rubbish so get lost" (including interest I am only reclaiming £67.23. It would be cheaper for them to settle) I hope they don't I would luv to send in the ballifs. I have also had a delaying tactic from liverpool victoria who required me to fill in a data disclosure request form only after trying to charge me £3 per statement a phone call to point out their responsibility under data protection produced an almost panicky call back to say the details I required would follow at no charge. I will update as soon as I get more information Reigate

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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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