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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 
      • 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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Citi Cards - *****WON & PAID IN FULL****


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Congratulations.

 

Think a mod needs to change your title to "Morsy v Citi ** WON"

 

I've PM Gizmo111 already :-)

Citi Cards - £800 - N1 Form logged at court

Defence entered

£279 refuned £521 outstanding on claim

Hearing 15th Nov 2006

Hearing 18th Jan 2007

Defence Stuck out - £549

March 07 Bailiffs called in to collect

20/4 Cheque for £549 - I WIN

 

Abbey - Setteled in full 9th Nov 2006 £3,300

 

Abbey - Data Protetion Act informtion

ICO complaint logged

 

Abbey - N1 Logged - 12/02/2007 £933

FOS Complaint logged 07/03/2007

£180 refunued -Good will Gesture 01/04/2007

Hearing 15th June 2007

 

Capital One Refunded £50

 

Egg - Data Protection Act request

Returned charges £80

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Hopefully we'll be adding to this number soon Giz.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Congratulations Morsy, well done!!! :D

Citi Cards

- S.A.R sent 29/01/07

- Statements received 08/03/07

- First Request sent 12/03/07

- LBA Sent 21/3/07

 

Bank of Scotland

- S.A.R. sent 27/02/07

- Request for Payment sent 14/05/2007

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Congratulations and well done! :D

 

Y

 

Open Cases

Citi Credit Card.

Sansbury's Bank Credit Card.

 

Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - Won!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :-)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :-)

 

 

Visit my forum: http://snowwatch.forumsplace.com

Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - WON!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON! Sainsbury's Bank - WON!

Citi Cards -WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :)

 

 

Visit my forum: http://www.planet-watch.org/forum

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My guess is Citi just want to hold paying out as long as possible and if they go through the court system some judges will award in Citi's favour as in NI, while others will ask Citi to back up their claim as in mine and other claims and other judges will make a decision as to what they think is fair and set a default fee amount.

 

In the first and last instance Citi don't loose all the money claimed but compare this against the cost of defending surly Citi must be out of pocket... so why defend ... HSBC just pay out in full when the N1 is served and before the defence needs to be filed.

 

May be Citi is hoping people will drop there claim DON'T keep fighting we will WIN in the end. My case took just over a year (15 months) from DPA request to receiving the cheque this week.

Citi Cards - £800 - N1 Form logged at court

Defence entered

£279 refuned £521 outstanding on claim

Hearing 15th Nov 2006

Hearing 18th Jan 2007

Defence Stuck out - £549

March 07 Bailiffs called in to collect

20/4 Cheque for £549 - I WIN

 

Abbey - Setteled in full 9th Nov 2006 £3,300

 

Abbey - Data Protetion Act informtion

ICO complaint logged

 

Abbey - N1 Logged - 12/02/2007 £933

FOS Complaint logged 07/03/2007

£180 refunued -Good will Gesture 01/04/2007

Hearing 15th June 2007

 

Capital One Refunded £50

 

Egg - Data Protection Act request

Returned charges £80

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Good to hear it.

Everyone who has a Citi claim pending will know this.

They choose to believe that they are right and its likely that many of the Citi Claimants do give up at the early stages.

CAG have probably given them the biggest fight.

Of course 15 months is a long time but of course more interest.

In an effort to understand why they differ from all the other banks in settling,you only have to read about their dealings in other areas.

As far as court judgements are concerned it does not appear to worry them........Whilst I have not personally checked,its no secret that they have had more than most.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Citi were settling claims up until June of last year.

 

You can guarantee that the powers that be at Citi were not happy with the little guy reclaiming unlawful charges, an action that would effect the companies profitability and so the order was given to defend all cases.

 

There are weaknesses in Citi's defence, namely their £12.88 figure and it's reliability.

 

We may see a strategy emerging on how to deal with Citi in the future.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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My full hearing went ahead today ... Before the main hearing started I made an application for Citi to disclose full details of their procedures with detailed costing and for the case to be adjourned so that Citi can supply this information and time for me to examine it.

 

The judge agreed that the cost justification supplied by Citi in there defence didn't show any information and that they have to disclose full details. The case has been adjourned so this can take place.

 

Again Citi tried to use the NI case, I pointed out that this was subject to appeal and the Judge dismissed this.

 

So now I await Citi Next move.

 

Hi

 

I am up against CITI in court shortly, I noticed from the CMC sheet that disclosure is asked for. You say that you had to do an N244 to ask for disclosure.

 

My question is, was the disclosure request on the CMC sheet not detailed enough?

 

Cheers

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Hi

 

I am up against CITI in court shortly, I noticed from the CMC sheet that disclosure is asked for. You say that you had to do an N244 to ask for disclosure.

 

My question is, was the disclosure request on the CMC sheet not detailed enough?

 

Cheers

 

 

Morsy never had a CMC.

Can you give the exact wording of any order you have, and what details you have on he above mentioned sheet, and start a Citi thread if you haven't already and PM me with a link please?

Thankyou

Consumer Health Forums - where you can discuss any health or relationship matters.

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Gizmo is right I just had a hearing date that's why I had to make an application for further information to be disclosed.

Citi Cards - £800 - N1 Form logged at court

Defence entered

£279 refuned £521 outstanding on claim

Hearing 15th Nov 2006

Hearing 18th Jan 2007

Defence Stuck out - £549

March 07 Bailiffs called in to collect

20/4 Cheque for £549 - I WIN

 

Abbey - Setteled in full 9th Nov 2006 £3,300

 

Abbey - Data Protetion Act informtion

ICO complaint logged

 

Abbey - N1 Logged - 12/02/2007 £933

FOS Complaint logged 07/03/2007

£180 refunued -Good will Gesture 01/04/2007

Hearing 15th June 2007

 

Capital One Refunded £50

 

Egg - Data Protection Act request

Returned charges £80

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Too Strong, you have Barclays related threads but not a Citi one. In order so that people can help you you'll need to start your own post in this section.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 11 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

Citi Cards - £800 - N1 Form logged at court

Defence entered

£279 refuned £521 outstanding on claim

Hearing 15th Nov 2006

Hearing 18th Jan 2007

Defence Stuck out - £549

March 07 Bailiffs called in to collect

20/4 Cheque for £549 - I WIN

 

Abbey - Setteled in full 9th Nov 2006 £3,300

 

Abbey - Data Protetion Act informtion

ICO complaint logged

 

Abbey - N1 Logged - 12/02/2007 £933

FOS Complaint logged 07/03/2007

£180 refunued -Good will Gesture 01/04/2007

Hearing 15th June 2007

 

Capital One Refunded £50

 

Egg - Data Protection Act request

Returned charges £80

Link to post
Share on other sites

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