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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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THEY PAID in full!!!! Without Court summons!


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To all the Consumer Action Group...

I went through the first two steps - send the first request for my charges and interest back (which elicited the standard bog off reply) so I then sent a "letter before action". These were sent to my local branch. After my LBA they sent a letter to me saying that the matter had now been refered to Head Office.

 

The LBA duly expired (I had given then 7 days to reply) and telephoned the Halifax H.O. who said they were looking into the matter and to expect a response within 14 days. I wasn't intending to go through the Money Claim Online until I heard back from Head Office.

 

This morning they sent a letter saying they were paying back the whole £1,600 (includes the interest) that I was demanding.

They also state that if I agree to accept the sum I agree not to go over my overdraft again or they may close the account.

I started this process on the 27th of December and have been paid in full.

Wow!

 

I was inspired to do this by the Money Programme documentary in december and before I came across Consumer Action Group found Money Saving Expert on the web and used their letter templates.

I am shocked and relieved by this rapid response - I was dancing around earlier like a loon when I first read their letter a couple of hours ago.

 

I don't know why I have been paid without any real resistance - I also have a mortgage with the Halifax - which I have gone into arrears with as a direct result of the Halifax bank's actions. Is their a chance that they looked into the my mortgage situation? (Perhaps a CAG member in the same circumstances can enlighten me.)

 

I am a small business owner and often have cash flow difficulties - hence lack of funds at the right time. Their charges are outrageously punative and I ran up £500 in one week in December alone.

 

I now am going after two other sets of bank charges - I don't know what they are yet since I haven't had the list of charges that they have stung me for over a six year period back yet.

 

Thanks to all the forum members - good luck to everyone out there going after their money.

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Congrats bertoneski, it's nice when you win without a fight! Good luck with your remaining claims :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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CONGRATULATIONS!!!!!!!! I am really really pleased for you, you would think by now that the banks would have realised that they are going to lose until radical changes are made by the FSA/OFT....... I just wish that they had a standard proceedure and that the money was returned quickly withough all the hasstle of court etc. Good luck for 2007

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Well done.

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Thats exactly what happened to me.

 

Was starting to think I was unique, LOL

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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