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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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vick* V Littlewoods & Kays catalogues


vick*
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Both accounts closed, but both incurred lots of charges.

 

Just found out that Kays is actually Littlewoods too, which made me more cross :-x

 

Anyhow, SAR sent off recorded delivery today.

 

Also sent to Halifax Visa, Capital One, and First Direct.

 

They've had enough off me over the years, time for a pay back I reckon :cool:

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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Hi - good luck. I claimed back all of my charges from Halifax - have a read of my thread and see how I got on. They were actually very good (apart from taking the charges from me in the first place!!!) I'm also about to tackle littlewoods for a friend of mine and Capital One for myself, so will watch your threads with interest. Best wishes - power to the people!!

 

jaxads

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Yeah, I've got started now I'm just impatiently waiting for my statements to arrive.

 

Great source of information and support this forum though, now I'm learning to find my way around it!!

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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Hi Vick*

 

I'm going to be watching you, too, as I'm also going to be going after Littlewoods, (Index FlexAccount), on behalf of my dear wife. ;)

 

So, good luck from me, too.

 

OB :)

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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  • 2 weeks later...

had a letter back from Littlewoods (20.2.07) saying that they were doing the data retrieval and would have the documents to me asap....

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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My statements came today (24.207)00, surprisingly quickly.

 

They're not the easiest to work through but there is a summary attached which details about £170 of admin charges. But I'm sure I was charged for other thing too so I'll have to trawl through the statements.

 

I'm guessing I could try to claim contractual interest on this amount, at the rate that the catalogue would've charged me.

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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Vick,

 

Can you confirm what address you sent your SAR to, please?

 

Thanks.

 

OB :)

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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Hi OB,

 

I'm not at home at the minute so can't check but the address 'Staley Avenue' seems to come to mind... does that make any sense?!

 

I will check for defo either tonight or tomorrow.

 

BTW, although I've had the letter and statements from Littlewoods I've heard sweet b*gger all from their other arm Kays :(

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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Thanks Vick,

 

I got the address from their website and my wife's statement. SAR is typed and ready to go.

 

OB

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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sorry to jump in on the thread

i sent a default removal letter on the 13th feb to this address

 

Littlewoods Shop Direct Home Shopping Limited. 1st Floor, Skyways House, Speke Road, Speke, Liverpool,

L70 1AB

 

was that the one you used as i've heard nothing and need to chase them up.

the 28days have gone and im wondering if they have now defaulted & the enties on my credit record must be removed

 

dx100uk:)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hello and good luck

I am also going for Littlewoods and Kays I have sent a SAR and waiting also put in complaint about insurance, I think I have been done there as well. I have just read about sending for CCA agreement, if they can't send one the debt did not happen and it gets written off!!! Hope that is true. All very exciting and giving us a fighting chance. This site is fab.

I have sent one letter for both accounts and I think that is now causing confusion did you do the same?

Won NatWest. Bank charges returned £2,500 November 2006

 

S.A.R - (Subject Access Request) Littlewoods April 2007

Ombudsman complaint July 2007

Littlewoods admit no CCA agreement

Refuse to refund PPI

Letter to TS August 2007

 

SAR Lloyds August 2007

CCa lloyds August 12th

SAR and CCa Halifax 12th Aug

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if a CCA request is not met after 12[+2for posting] working days, any payments can stop until they provide the requested docs to your satisfaction.

then after a further calander month, it becomes a criminal offence for them to try to enforce the debt or its payment. however, if they do produce within this further month. then payments should resume [thats the way i read it no court order required ].

 

they could also then write the debt off, if they do, then it should be in writing to you, it does automatically mean it has gone forever if they do not.

 

they could always re-enforce the debt, but only through a court order & they will look pretty stupid if they turn up at court and say 'ah yes we found it [the agreement].

so read of that situation what you like.

 

never did get anything BTW but i was after default removal

 

given up, lifes compass is pointing elsewhere at present.

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Why don't you write and ask them why they are now willing to write off the debt, if they admit that they cannot find your original agreement then you can then ask for you £90 back as well.

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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  • 2 weeks later...

Thank you for your email about complete list of transactions and charges

relating to your financial history with Kays.

 

Unfortunately we only have access to your last 6 month statements which

you can see on our website Kays - online shopping

 

Sorry for any inconvenience caused.

 

Regards

Sue Clayton

Customer Support

Kays

Kays - online shopping

 

To contact us by e-mail simply click here Kays - online shopping and click into

contact us or call 0870 151 0541.

 

Our Customer Charter is our pledge to you the customer. It contains our

promise for safe, honest and happy shopping. To view our Customer Charter

please click on the help section of our website. what is that all about??!

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