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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
      • 160 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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Hazzersdad v Halifax ***WON***


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Have a look at the Wilkins thread that will also send you to other threads of a similar nature. It might be entitled Old DJ v Halifax?

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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  • Confused 1

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi

Thanks for the above responses.

I also noticed that at the bottom of pages are "Similar Threads", I should have looked there first, sorry but I get jittery on computors.

I asked Halifax for a list of transactions, without specifying over what length of time; they sent 7 years which is the length of time the account has been open, so this is what I've claimed for.

At the moment we have the standard knock back letter stating their sorrow.

Next week they will receive the LBA.

Will update in a fortnight or so.

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Hello All

I started this thread a few weeeks ago but posted it in the general section by mistake (sorry).

Here is where we are; we have only got this far due to the people running and contributing to this site:-

sent SAR 15/12/06

recd list of transactions and charges 10/01/07

sent prelim letter and copy of statements 12/01/07

recd reply saying Halifax are sorry and will look into it 17/01/07

sent LBA with copy of statements and scedule for claim of charges (without amount of interest) 27/01/07

 

Now just waiting and reading up on the next step, issuing a court claim.

 

Good luck to all readers.

Hazzers dad

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  • 2 weeks later...

Bit of a delay now, the LBA sent recorded del hasnt turned up so resent it Monday 05/02 special del.

In cases like this do we give them another 2 weeks?

 

 

Sent S.A.R - (Subject Access Request) 15/12/06

recd list of transactions and charges 10/01/07

sent prelim letter and copy of statements 12/01/07

recd reply saying Halifax are sorry and will look into it 17/01/07

sent LBA with copy of statements and scedule for claim of charges (without amount of interest) 27/01/07

resent LBA 05/02/07

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If you have sent this twice and special delivery, just carry on as you were.

Give it 14 days then file mcol or N1.

 

The chances of 2 going missing are against the odds.

Stick to your time line, they seem to be `losing` a lot of letters lately.

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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If it was me i would go to the next step on the 10th. You could be sat around for another few weeks waiting for them to get back to you.

HOW TO...DUMMIES GUIDE TO CAG...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Thanks SSL for the advice.

I talked to Hazzer and he is going to phone Halifax tomorrow telling them we are proceding with the claim; the phone call will give them a chance to settle before court, which one would think would be beneficial to both parties? Logically?

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Stick to your timetable, prelim letter to claim form 28 days. Personally, I see no benefit in speaking to the bank, they only understand action, i.e. the claim form and some of the staff will tell you any old nonsense.

 

Do not let them stall you or put you to any extra trouble.

If I have been helpful please click on my star and add a comment.

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Just an update

Phone call to Halifax 09/02 to remind them that we would be going to court 12/02 with NI claim form. They said to do what we must do as they were snowed under and couldnt give any other response.

 

12/02 took N1 claim to local county court with £120

 

Sent S.A.R - (Subject Access Request) 15/12/06

recd list of transactions and charges 10/01/07

sent prelim letter and copy of statements 12/01/07

recd reply saying Halifax are sorry and will look into it 17/01/07

sent LBA with copy of statements and scedule for claim of charges (without amount of interest) 27/01/07

resent LBA 05/02/07

N1 claim to county court 12/02/07

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Now got the county court Notice of Issue.

Claim issued 12/02/07

Deemed to be served 14/02/07

Halifax have until 28/02/07 to reply - roll on.

 

Hazzers dad is out of the country from 27/02 for 4-6 weeks and Hazzer himself will continue with the claim, i'm sure with a little help from yourselves he'll get through it.

 

------------------------------------------------------------------------

Sent S.A.R - (Subject Access Request) 15/12/06

recd list of transactions and charges 10/01/07

sent prelim letter and copy of statements 12/01/07

recd reply saying Halifax are sorry and will look into it 17/01/07

sent LBA with copy of statements and scedule for claim of charges (without amount of interest) 27/01/07

resent LBA 05/02/07

N1 claim to county court 12/02/07

deemed served 14/02/07

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Hopefully they will just pay up and the money will magically appear in his account, but if not, we are all here to help, tell him to just give us a shout.;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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The way things are going with mine i will have a nice christmas......!:eek:

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Update:

Hazzer had a call from Halifax 20/02 offering £25 less than the original claim; Hazzer explained they need to pay the full amount plus interest plus £120 court fees as proceedings had begun and Halifax were deemed served on 14/02. The lady from Halifax was suprised at this (she shouldnt have been as Hazzer phoned them to advise he would be going to court). she said they would send the offer out by post anyway. To date nothing has turned up so we will be back at the local court 01/03/07.

 

Sent S.A.R - (Subject Access Request) 15/12/06

recd list of transactions and charges 10/01/07

sent prelim letter and copy of statements 12/01/07

recd reply saying Halifax are sorry and will look into it 17/01/07

sent LBA with copy of statements and schedule for claim of charges (without amount of interest) 27/01/07

resent LBA 05/02/07

N1 claim to county court 12/02/07

deemed served 14/02/07

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just to let you know the bank has had there 14 days afeter the notice of issue (court proccedings) and have not replied. i will be at the court as soon as it opens in the morning to take the next step. Hopefully it wont be to difficult from here

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  • 2 weeks later...

RESULT. The halifax eventually paid out. They put the money into my account yesterday. They were still trying to stall me till next week but i threatened them with the bailiffs and then they put the money in. So i am pleased. And to everyone there still trying just keep going.

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