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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
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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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halifax is the pits - **WON**


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if the amount is more than 300 pounds just proof of id works but they can get funny about doing withdraws for less than 300 over the counter now. i had problems on that score when i lost my card so gave them an ear full they finally agreed.

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Good for you Yvonne

 

We all need to stand our ground, and get whats owing to us!!!!

Marilyn:p

 

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

HALIFAX A/C - SETTLED 4 AUG

HALIFAX CC - Data Protection Act SENT 2 AUG

15/09/06 - rec'd all statements - Eventually!! -521.81GBP

21/09/06 - Prelim sent

08/10/06 - LBA sent

11/10/06 - Offer £278.10, no thanks

01/11/06 - MCOL £862.56

03/11/06 - offer £521.81 - not sure yet

03/11/06 - MCOL letter

 

 

 

 

_____________________________________-

 

 

 

 

 

 

 

 

 

:lol: don't be like the banks - give a little back:lol:

 

 

 

 

 

 

DONATE SO THEY CAN CARRY ON HELPING PEOPLE LIKE US!

 

There was a time before CAG but now CAG is here we are the empowered!

 

Advice & opinions given by marilyn are personal. If in any doubt, you are advised to seek the opinion of a qualified professional

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l think the wife and l is right, you can go into the branch and say I WANT MY MONEY...easy eh!!!, lm sure lve read somewhere here that if you cannot access your account then the branch has a duty to give you the balance on that account, although ld check with someone who has bit more knowledge than me...

 

so the peeling has started, need to get that fake tan out OR try and catch some rays while it lasts....glad to hear your a little more relaxed, keep it up

 

hi marilyn, the wife and i and yvonne, thank you for your replies and advice

all taken on board I'll just have to wait and see!!!

 

waiting game but a good one at that.

 

 

and yes the peeling has started!!!!:mad: and my goodness dont it itch lol

but luckily i got a tan underneath the peeling in reserve lol so all is not lost

 

I always thought the bank had 14 days to defend

but on my acknowledgement it says 28! mmmmmmm never mind i dont mind waiting

much rofl

 

take care everyone and good luck

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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Hey Blinky

 

l thought the same, 14 days to defend then once they did that, and they usually do, they have another 14 days......

 

is there a MOD out there who can clear this up for us PLEASE!!!

 

not sure how the tan in reverse works, or is it that you had a tan before the tan you got on hols and now the 2nd tan is peeling....gosh that was long winded!!!!!!!!!:lol:

Marilyn:p

 

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

HALIFAX A/C - SETTLED 4 AUG

HALIFAX CC - Data Protection Act SENT 2 AUG

15/09/06 - rec'd all statements - Eventually!! -521.81GBP

21/09/06 - Prelim sent

08/10/06 - LBA sent

11/10/06 - Offer £278.10, no thanks

01/11/06 - MCOL £862.56

03/11/06 - offer £521.81 - not sure yet

03/11/06 - MCOL letter

 

 

 

 

_____________________________________-

 

 

 

 

 

 

 

 

 

:lol: don't be like the banks - give a little back:lol:

 

 

 

 

 

 

DONATE SO THEY CAN CARRY ON HELPING PEOPLE LIKE US!

 

There was a time before CAG but now CAG is here we are the empowered!

 

Advice & opinions given by marilyn are personal. If in any doubt, you are advised to seek the opinion of a qualified professional

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14 days to acknowledge.

 

If they acknowledge they have 28 days to defend.

 

Both count from the date of service.

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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Hey Blinky

 

l thought the same, 14 days to defend then once they did that, and they usually do, they have another 14 days......

 

is there a MOD out there who can clear this up for us PLEASE!!!

 

not sure how the tan in reverse works, or is it that you had a tan before the tan you got on hols and now the 2nd tan is peeling....gosh that was long winded!!!!!!!!!:lol:

 

hi marilyn

I thought that as well

yes i had a tan b4 i went on holiday and the tan that is peeling is the burnt one that i got on holiday wow that was long winded as well rofl

but ya know what i mean

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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14 days to acknowledge.

 

If they acknowledge they have 28 days to defend.

 

Both count from the date of service.

 

hi barracad thanks for your reply

 

so basically they have 28 days from the 28th june to file a defence as they are defending the claim

 

have i got this right and clear?

 

 

thanks again

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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If that was the date of service then yes.

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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If that was the date of service then yes.

 

 

im sorry when you say date of service is that the time I filed the court action

or acknowledgement of service which is the 28th june, do they mean the same thing???

 

 

sorry im being thick here

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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The date it is deemed served is usally 2 days after you issued your claim. If you used Moneyclaim you would have had confirmation in the post and the date of service would be on that.

 

The date they acknowledged the claim is irrelevant.

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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The date it is deemed served is usally 2 days after you issued your claim. If you used Moneyclaim you would have had confirmation in the post and the date of service would be on that.

 

The date they acknowledged the claim is irrelevant.

 

sorry barracad and thank you very much, so basically speaking it wont be long for me

 

many thanks again

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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ohhhhhhhh myyyyyyyy godddddddd

 

halifax has paid in full

 

£2981.58

 

but no cheque and no money paid into the "closing" account

 

do I ring them or wait?

 

with the balance i owe halifax i have about £493.15 to myself but no way of getting at it because the bank took my debit card and cheque book!!!

 

any advice greatly appreciated.

 

Thank you for all of your help and this is a brilliant website

I would like to stay around and help others if i can

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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Hi Blinky congratulations well done you deserve it you could phone them up and ask where it is or wait its your claim you must do as you see fit :lol: seriously if you would feel better phoning them do so what have you got to loose

 

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:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Congratulations!!

 

Fantastic news - please complete our bank charges survey.

 

And a donation would be greatly appreciated :-)

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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****Great News****

Well Done Blinky.

:razz:

Sent Data Protection Act to Halifax 13.6.06

Daughters Data Protection Act sent to NatWest 5.6.06

Natwest sent statements on 24.6.06 Daughter owed £204.00 Preliminary ready to go.

Halifax sent my statements today(26.6.06) Owe me £1702.00

Preliminary sent on 27. 6.06.

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Congrats on the Brilliant News

 

Your point about how you get to the money without a card is an interesting point on a closed account - I suppose you have to go to the branch.

 

Please let use know how you get on as I hope i'll also be in your situation soon:)

Malcontent

Data Protection Act sent to Halifax 08/06/06

Halifax statements received 23/06/06

Halifax Account Charges = £603

Preliminary letter to Halifax sent 26/06/06

Time waste letter received 05/07/06

Halifax offered £130 08/07/06

LBA sent 13/07/06

 

Financial sadists play vicious games with money as a way of asserting their power over others.

Returning money they have already stolen undermines their security and is their weakness.

 

Now is the time to turn the thumbscrew on them.

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You have really been through hell. Well done, Im am sooooooooo pleased for you

 

Halifax

Sent LBA
27/6/06

Been on hol for a week, got home found letter from them dated
27/6/06 offer of £92 claiming £1155.10 so no deal.

Filed claim with Moneyclaim 12/07/06

Halifax acknowledged claim 25/7/06

Court papers received 28/7/06 Halifax intend to defend.

HALIFAX SETTLED IN FULL 1/8/06

Donation made

Birmingham Midshire (mortgage charges) Prelim letter sent 2nd Aug 2006, full offer received 11th Aug with conditions.

13th Aug accepted offer unconditionally.

BIRMINGHAM MIDSHIRES (MORTGAGE) SETTLED IN FULL 24/8/06

Sent SurlyBonds template letter to get defaults removed to Birmingham Midshires 27/08/06

DEFAULTS REMOVED 5/09/06.
THATS 9 DAYS LATER, YES 9 DAYS

 

 

 

 

 

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hooooray ..nice one blinky

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Well done Blinky

 

and

congratulations

 

 

bet your well pleased l know l'll be whopping and jumping for joy when it comes to mine turn (fingers crossed). well worth the wait, anxiety and everything else you went through!!!

 

Well done again

Marilyn:p

 

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

HALIFAX A/C - SETTLED 4 AUG

HALIFAX CC - Data Protection Act SENT 2 AUG

15/09/06 - rec'd all statements - Eventually!! -521.81GBP

21/09/06 - Prelim sent

08/10/06 - LBA sent

11/10/06 - Offer £278.10, no thanks

01/11/06 - MCOL £862.56

03/11/06 - offer £521.81 - not sure yet

03/11/06 - MCOL letter

 

 

 

 

_____________________________________-

 

 

 

 

 

 

 

 

 

:lol: don't be like the banks - give a little back:lol:

 

 

 

 

 

 

DONATE SO THEY CAN CARRY ON HELPING PEOPLE LIKE US!

 

There was a time before CAG but now CAG is here we are the empowered!

 

Advice & opinions given by marilyn are personal. If in any doubt, you are advised to seek the opinion of a qualified professional

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barracad - thank you survey done have pm'd you about donation.

Strude - Thank you and good luck with yours

Realist - Thank you and good luck with yours

Malcontent- Thank you will let you know how i get on

sgian -Thank you, yes over the moon when i have it in my palms!!! good luck with yours

Lizzy- Thank you good luck with yours

Marilyn - Thank you it wont be long hun and thats a promise!!!!!

Hedgehog - Thank you and good luck with yours

 

 

phew think that covers everyone lol

 

 

will keep you posted on how i get my balance.

 

 

roooooolllllllllllllllllllllllll on Monday

 

 

good luck everyone not that you will need it !!!!!!!!!!!!!

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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Read with much intrest ( excuse the pun ) well done m8y and enjoy.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Read with much intrest ( excuse the pun ) well done m8y and enjoy.

 

 

lol thank you so much

 

although cant enjoy yet, not in my palms lol but it will be ill make sure of that

 

 

good luck with yours x

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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Hi Blinky

 

I just thought I would let you know something, I have just been reading your thread, after just sending letter to bank for charges within the last 6 years to be documented and submitted to me.

I was very cautious at first and dubious about wether this would work or not, but after reading your thread you have been a total inspiration to anyone who is contemplating this.

I now know that I will not give up and will get just reward, am so glad you got a result you don't know how many others that result affects and how much of a boost it has given people.

 

Brilliant site, and so many people to give advice.

 

Thanks

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If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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