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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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Hi guys and gals,

 

I heard about this site through a work colleague today having discussed with him the fact that HSBC had charged me £100 this month for 'arrangement fees' - no further discription is given on my statement and I'm yet to bother sitting on the telephone for them to palm me on to various departments before giving me their reasons as to what they've 'arranged' for me.

I do hope you guys can help me, finances have been the bane of my life for too long and it's time to take some positive action to improve my financial situation.

 

Ciao for now

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Hi guys and gals,

 

I heard about this site through a work colleague today having discussed with him the fact that HSBC had charged me £100 this month for 'arrangement fees' - no further discription is given on my statement and I'm yet to bother sitting on the telephone for them to palm me on to various departments before giving me their reasons as to what they've 'arranged' for me.

I do hope you guys can help me, finances have been the bane of my life for too long and it's time to take some positive action to improve my financial situation.

 

Ciao for now

 

Hi there

 

Could you please tell us exactly what you are looking for?

If it's to claim back Bank Charges etc. then this is where you need to start:

 

First a little piece of advice read, read and read this site. You need to read the FAQ's they will give you everything you need to know to start you off.

Consumer Action Group > Libraries - bank charges materials and other issueshttp://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/FAQs :::::::::::::::::::::::::- PLEASE READ THESE FIRST!!! -:::::::::::::::::

  1. Data Protection Act, Subject Access Request letter - List of charges

The link below will give you the initial letter template - Data Protection Act, Subject Access Request Letter - which, if you haven't got your bank statements or list of charges going back six years you will need to make a claim, this is where you start.

If you read this letter you will notice that it says "please provide me with a list of charges" which is what you are asking for. If you ask for statements they will charge you £5 - £10 per statement. They will probably furnish you with these statements anyway as this is an easier way of providing that information! You will also need to enclose a cheque or Postal Order for £10 to cover the cost of this information. They then have 40 days to respond to this letter.

I suggest you use that time to read up on the process and other people's threads etc...as someone said in another thread, take your time it's not a race just make sure you do it right. This is an amazing site and there are lots of people to help so good luck and go for it!!

Consumer Action Group > Libraries - bank charges materials and other issues > Bank Templates Library 1. Data Protection Act, Subject Access Request letter - List of charges

  • Confused 1

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Hi, thanks Boobaby.

 

Sorry I wasn't clear in my intentions, in order for me to take a more active control of my finances in a bid to rid myself from debt I would first like to take back the charges that they have taken from me, I'm hoping that this will kick-start a more upbeat look at my situation and give me the confidence to not be bullied by HSBC.

I'll take your advise and read through the website before trying to claim.

 

Many thanks for your response

 

Trapdoorsally

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Hi, thanks Boobaby.

 

Sorry I wasn't clear in my intentions, in order for me to take a more active control of my finances in a bid to rid myself from debt I would first like to take back the charges that they have taken from me, I'm hoping that this will kick-start a more upbeat look at my situation and give me the confidence to not be bullied by HSBC.

I'll take your advise and read through the website before trying to claim.

 

Many thanks for your response

 

Trapdoorsally

 

My pleasure, any further information then you know where we are:)

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

Link to post
Share on other sites

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