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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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Nuno V Halifax Current Account


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Hi guys,

 

Sent a letter on the 15th January requesting a charge of £30 be refunded to my account. Used the normal letter requesting full repayment and noted I expected this to happen within the next 7 days.

 

I just recieved a letter bank from halifax this morning.

 

It confirmed the reciept of my letter and said it would get back to me within 4 WEEKS.

 

Any advice on what to do? I dont like how they have suddenly got charge of the timings of the case. I know its only a small amount.

 

Thanks

 

Nuno

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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Hi nuno,

Yes like AWC says, ignore it. This is the standard letter. Everyone gets it. Just keep to the 14 day timeline. :)

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Cheers folks

 

Even though its only £30. Do I make any contact with them (phonecall)

 

Nuno

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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Nuno,

You're at exactly the same stage as me. I've just got te same letter in the post this morning, also saying that they'll get back to me in 4 weeks. Guess they'll get a shock when the LBA arrives in about 9-10 days :eek:

You would have thought that they would have learnt by now that they will not win and may as well pay out ;) - that said, it looks like they may be going that way:

http://www.consumeractiongroup.co.uk/forum/halifax-bank/55248-flipster-halifax.html

 

Appears that they got Flipster's prelim on 3rd Jan, and he recieved an offer for the FULL AMOUNT yesterday - 15days :-o

Keep us all updated Nuno, and good luck..

Survivor :cool:

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Halifax - 13/01/2007 - Prelim sent

Halifax - 27/01/2007 - LBA

Halifax - 19/02/2007 - Filed N1

Halifax - 21/02/2007 - Telephone call from Halifax offering FULL SETTLEMENT (inc costs & 8% s.69) - RESULT!!

 

Advice & opinions given by Survivor are personal, are not endorsed by Consumer Action Group or Bank Action Group, 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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9-10 days it is then. Thanks guys I keep you posted.

 

Iam trying to get a few good Scottish threads on here for people to follow. i know the legislation is slightly different

 

Nuno

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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Hi guys,

 

I just saw that my back have taken a further charge of my account for being £1.89 over my ooverdraft. Ive had another charge allocated to my account of £30.

 

What do i do seeing as it has been charged during the process of complaint?

 

I have already sent the letter (above) asking for an original £30 being reimbursed?

 

Please please HELP.

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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  • 2 weeks later...

I sent an identical letter for that one as well.

 

We shall wait and see on both charges

 

Nuno:mad:

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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  • 2 weeks later...

Just recieved an offer of £90 as full and final settlement.

 

They only took £60 from me?????

 

I'll have a bit of that please. Letter of acceptance is in the Post.

 

However Iam a littele scared this amount could be in respect of all my Halifax accounts. What do you think? The letter has the Roll Number of only one account so I dont think it can be and the reference is the same as the one on all my correspondance to this account.

 

Thoughts Please.

 

Nuno

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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  • 2 weeks later...

Sent the acceptance letter on the 12th Feb for their offer of £90 full and final offer.

 

Still waiting for this.

 

It has been 8 days since they recieved it !!!!! How does it take so long to give me MY money back.

 

Nuno

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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Just read the letter again and it says it takes up to 14 'working' days for this money to be repaid into my account.

 

They recieved on 13th of February so they have until the 1st March by my reckoning.

 

I shall keep everyone posted

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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:)

 

£90 paid into my account today

 

Success No 1

 

Nuno

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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  • 4 weeks later...

Charges of £39 and £30 taken of my account again so iam after them again.

 

Prelim goes tomorrow

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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You could allways give them a call and ask for them to refund the charges. I am claiming against Halifax and after my prelim letter went to them (06.03.07) I received a letter Friday saying that they were charging me £30.00 for going 84p over my overdraft limit. I phoned them and demanded it back and was told that a further £30.00 was been charged due to a payment going out of my account where the payed in amount hadn't cleared in time. I demanded that both these charges be returned, and after a bit of being put on hold in order for the person to speak to supervisor they agreed to refund both charges. Sometimes it can save a bit of time by doing this way. If they tell you that they won't refund the charges, then go down the normal route - prelim, LBA, Claim.

 

P.S Had a call Friday night where they offered me a full refund of the charges claimed in my prelim letter.

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Cheers mate.

 

They seem to have so many depts working on these claims and no communications between them

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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Just be firm with them, I was and they soon caved in.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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