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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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      • 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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Bandit v NatWest - The Full Story And Finally**WON**


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hurrraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaay !!

you did it!!!! well done. you are an inspiration to us all. Never give up.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

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Congratulations, are you going to accept the confidentiality clause as well? x

03/10/06-Data Protection Act request sent via recorded delivery

06/10/06- Letter signed for. 15th Nov cut off date.

10/10/06- Statements come in tatty brown envelope.

Will be claiming for £1946.22

23/10/06- Preliminary request for £1946.22 sent recorded delivery.

24/10/06-Letter signed for. 7th Nov cut off.

08/11/06- Standard letter received wanting more time.

 

23/03/07- Time up for NatWest to say whether defending or not.

19/03/07- Acknowledgement of service and saying was going to defend came through.

04/04/07- Deadline for Natwests defence.

03/04/07- Defence filed came through.

05/05/07- Letter from Court to say claim stayed until 27/06/07

25/06/07- Letter from court, claim stayed until further notice.

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Well done mate!! :)

23-09-06: Data Protection S.A.R Sent

 

06-10-06: Statements Received

 

13-10-06: Pre-Lim Letter & Schedule for £2677 Sent

 

24-10-06: First Refusal Received From Stuart Higley

 

01-11-06: Second Refusal Received From Stuart Higley

 

15-11-06: MCOL Submitted

 

30-11-06: Acknowledgment of Service Received

 

21-12-06: Defence Received from Cobbetts

04-01-07: Offer of £1700 Received from Cobbetts

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whoa whoa whoa!!! calm down!!!

 

i havent accepted it yet....just thinking on how much NatWest value my confidentiality....besides after them making me wait, isn't it my turn?

 

Mickie aka The Toilet Bandit.

  • Haha 1

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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Quite right Mickie......just that no one could wait......U know its a bit like those ppl that put their Christmas decorations up in November....;)

 

Now confidentiality ....er ahem (cough) (cough again )..............dont think they will take as long with that 1........Miss B will certainly want this thread banished to the Bag cellars.........but somehow I think people will be reading this for the very foreseeable future:cool: ...........

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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On the confidentialty bit, I phoned up Cobetts and told them I wont sign it, My court date was this tuesday and said to them, I wont sign it so you can either carry on with the court case or accept that i wont sign the agreement.

If I do give you advice please be aware of the following:

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

03/10/06 - NatWest Claim Settled in Full to the amount of £2344

 

09/10/06 - 2nd Natwest Claim - Pre Lim sent | Halifax CC S.A.R - (Subject Access Request) Sent | Natwest CC S.A.R Sent

 

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Well done mate, what a thread, I think you should decline their offer just so we can keep you here for a little while longer.

 

Wahoooooooooooooooooooooo I just hope mine goes a little smoother but you are a testament to us all.

 

 

Chuck

GRANT Vs NatWest

 

S.A.R. Sent 22.08.06

S.A.R.s Signed for 23.08.06

Recieved Statements Yr2000-2002 16.09.06

Non Compliance Sent 04.10.06

All Statements Recieved 18.10.06

Prelim Sent 23.10.06

Prelim Recieved 24.10.06

Prelim Reply Recieved 28.10.06

LBA Sent 8.11.06 / LBA Recieved 9.11.06

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Congratulations Bandit!!!

Apple

 

NatWest - MCOL issued 31/07/06; NW acknowledged 03/08/06; NW Defended 31/08/06; Cobbetts offered 60% 27/09/06; NW settled in FULL!!!! 07/10/06

Halifax cc - LBA sent 27/07/06; No Chance

First Direct - Data Protection Act sent 25/07/06; PRELIM sent 07/08/06; Offer received 12/08/06; Refused 18/08/06; 2nd offer rec'd 23/08/06 £1405 without interest (£172) and we accepted:grin:

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well, I've given it a lot of thought and I've decided to take the money. I've weighed up all the options and even though I might have got a bit more out of them, there was, in my opinion, as much chance as them getting to Court and troucing me with the 'fair offer' argument. Maybe I didn't quite have enough bottle. Maybe, I don't know. The only thing I do know is that when I started out on this forum, reading the FAQs, reading the templates, all those months ago, I set out to reclaim back my bank charges, and with this cheque, I have done what I set out to do :)

 

The confidentiality doesn't really bother me, the way I see it as I haven't signed anything until now, I've told the whole world and if anyone does ask me now I have signed, then I know of a 'certain person who spent 5 months chasing it and in the end succeeded'.

 

I mainly just want to thank Dave and BF, for setting this thing up and giving us minions a way of beating the system. I also want to thank everyone that has helped me on my case, whether they are still here or not, you know who you are.

 

The site will definitely be getting a donation from me, and I fancy one of those T-shirts you used to do, do you still do them? I f so, where can I get one? I'll also fill out the survey and if theres any other loose ends I have forgotten, then I'll do them when I get around to them.

 

To all the noobs, i hope my case gives you faith. Fair enough it's taken me longer than most, but I still made it in the end! Like I said earlier, I probably could have got a little more had I gone on, but I might not have. To be a good poker player it's all about bluffing and timing. I feel the time is right for me to leave the table with a larger pile of chips than I had when I started here. If ever you are stuck, read through my case, and see how things went for me at a particular stage and hopefully, knowingly even, you'll come out a winner.

 

Once again my many thanks to everyone at CAG and BAG and any other AG's there are for, in a way, finally getting me debt free after so many years, thank you for getting me in credit with NatWest so I can close their 'goodwill overdraft facility' for the first time in my banking career, as it were. thankyou for making me feel a lot better about myself, making me know that I can achieve things, and finally thank you for putting up with me for all these long months.... *giggle*

 

Have fun guys and keep winning!!

 

Mickie

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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A legend .......;)

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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well done mr bandit, just read your thread from the start, admire your persistance. just starting my claim against nat west, does it make any difference that i have an advantage gold account? also about 3 years ago i had to take a loan out (£1500) to pay back debt, charges & interest. as a seasoned campaigner what do you think

I won £5289 heres how

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/40703-saint-luco-natwest.html

 

 

ITS NOT WHETHER YOU WON OR LOST, BUT HOW YOU PLAY THE GAME THAT MATTERS. ( OBVIOUSLY A LOSER THEN):D :D :D

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Gold accounts are no problem

You can claim all the charges except the subscription charges (usually a monthly fee of between 10-15.00.

 

If it can be seen that this loan you took out was indeed used for all or part to pay off charges that were unlawful then I would claim for that.

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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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Congratulations.

 

About time too! ;-)

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Well done matey. I hope they get their arses in gear and offer me what I'm due. I'm waiting on their defence at the mo. I've read this thread from near enough the beginning and its showed me what to do and when to do it.

RBS Credit Card Paid in Full after LBA

NatWest Case Settled

Got the wifes CC Charges back too!

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WOW TB, i have read your claim details and i recieved my court date a week ago and my partial offer letter today, which i have declined.

 

i also noticed that you are local to me! (I'm in Dorch). i showed your thread to my boyfriend who is a BBC journalist for Dorset and would like to arrange an interview if possible? I'll pm you!

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WOW TB, i have read your claim details and i recieved my court date a week ago and my partial offer letter today, which i have declined.

 

i also noticed that you are local to me! (I'm in Dorch). i showed your thread to my boyfriend who is a BBC journalist for Dorset and would like to arrange an interview if possible? I'll pm you!

 

 

oh lovely !!

 

Now Mickie to be EVEN MORE famous !!!..........:grin:

 

Though its not clear if he HAS signed the c.a..

If thats the case then unfortunately he would be unable to contribute anymore.............but alas...his story has already been told for 1 and all !!

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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