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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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HSBC v Beckxy WON!!


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Hey Guys, thought I'd let you in on a letter I received back from HSBC. This was in response to the prelim letter.

_________________________________

 

Thank you for your letter blah blah blah,

 

Sorry for the delay, blah blah blah..

 

I hope to have this matter fully investigated by the 24th of January???????????????? I apprecaite your patience.. blah blah blah

______________________________________

 

Never heard of anyone here receiving letters asking for more time, has anyone else?

 

Should I allow them the time? Or just procede as usual?

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i've now copied this to keep from repeating myself so much:

TO EVERYBODY WHO HAS RECEIVED A LETTER FROM THE GOOD COLIN.................... .

STICK TO YOUR ORIGINAL TIMETABLE -

if he can get a couple of dozen (hundred - thousand) to hold off til he looks into it - what a vision that gives us...........

he's buying time - your time - your money...................

IGNORE THE STALLING TACTICS!

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i've now copied this to keep from repeating myself so much:

TO EVERYBODY WHO HAS RECEIVED A LETTER FROM THE GOOD COLIN.................... .

STICK TO YOUR ORIGINAL TIMETABLE -

if he can get a couple of dozen (hundred - thousand) to hold off til he looks into it - what a vision that gives us...........

he's buying time - your time - your money...................

IGNORE THE STALLING TACTICS!

I second that and they will pay up - believe me!!

;) 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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Hey guys,

 

This is how my claims worked so far..

 

14 November - Data request (fee waived!)

28 November - Prelim Approach

(I know I should have got my second letter in by now but its been a busy xmas!)

29 December - Colins "delaying" letter

Today - Second request

 

I was thinking would it be worth saying, "i won't be accepting offers as i believe I am intitled to be repaid the full amount"

 

Wouldn't that shortcut the Bull***t offers from them, and therefore shortcutting the process?

 

Just wondering, I am no legal expert by any means!!

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Hiya Beckxy

Any offer they make, shouldn't slow the process down at all, as you stick to your timetable regardless of what they say or offer.

You will quite likely get an offer a few days before you start your court action, but you just send in a thankyou but no thankyou letter, and continue as if you had never recieved it.

Hope this helps!

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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I was thinking would it be worth saying, "i won't be accepting offers as i believe I am intitled to be repaid the full amount"

 

Wouldn't that shortcut the Bull***t offers from them, and therefore shortcutting the process?

 

In a word.... No.

Dolly is bang on, stick to your timetable, you will have the money soon enough.

Crusher :D

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Today I've received the standard letter with an offer of £250 less than my claim, so of course I am declining politily.

 

Colin has also said "when you contacted us to stop a cheque you were advised of the fee for that service and was accepted by you at the time, therefore this amount has been deducted from your claim"

 

So can I not claim for this, becuase i accepted it at the time?

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Nah, it was only 1 charge for stopped chq..

 

I've deleted it from my claim, its no big problem just wanted to ensure they don't get away with any money that i can legally claim for,.

 

thanks everyone..

 

Will keep ya posted, just sent a letter declining their offer and giving them 7 days to respond before I take action... It'll be good if I do get to take it to MCOL cos I could really do with the extra £250+ i've worked out in interest!! ( i don't get the interest if they settle before court do i? )

 

£1079 plus interest £1295.92

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i wouldn't delete it from the claim - if you end up filing - which you probably will - let the solicitors discuss it with you then - at the offer stage. 250 for one stopped cheque - if that's what we are saying would be the epitome of ridiculous bank charges.

if you are talking the 8% interest - then that is correct - you only get that if you file - they would never agree to pay that without taking out a claim against them - then they are made to pay it. and they do because they don't want it to go to court, so they offer and pay up before it gets to the actual court date.

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  • 2 weeks later...

I Can't post this of the success thread, so I'm hoping an admin will move it for me...

 

So heres my story..

 

11th October - subject access request

28th November - Intial letter for repayment of £1078 in bank charges

22nd Dec - Letter from Colin, "please give us more time"...

23rd Dev - "No the clock is ticking" letter!

4th January -Offer of £780,

17Jan Letter before action - Given only 7days to respond, becuase I felt i'd given them enough time already.. (been a bit crap onthe deadlines I'd been setting

 

 

 

A week and a day later... Letter offering FULL and final settlement from good old colin!

 

Didn't even get the the MCOL bit!

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  • 1 month later...

Hi guys, i have just come home to a letter from HSBC offering me £581... i claimed for £1086.61. Im really worried that if i do not accept this offer i will miss out on everything....

 

could someone tell me if i should ignore this letter and proceed with my claim? if so whats the next step?

 

Jezzzabelle

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Hiya, Just wondering how long it took them to put the funds in your account after you sent them back the acceptance form. i sent mine recorded 1st class on monday, i know they got it tuesday - nothing in my account yet.

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Jezz and matt, you need to start your own threads so you can get the right advice and have a read of the faq's http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ to get a good knowledge of the process.

 

For some reason I can't start my own thread, it says I dont have sufficient privillages to do so?

 

How do I get past this?

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