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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
      • 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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gordonhall v HSBC : WON


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We have two mortgages, one for a small flat and our main one on this house. I want to use all the claim money to help pay off the flat we own (only £27K outstanding).

 

I have another thread going somewhere in regards to an "early encashment penalty" that my endowment company want to charge me £5K!!!! just for cashing it in early.

 

I don't know if this "penalty" will fall under the same legal umbrella, but I'm currently thinking about it and hopefully with that money as well, we will have the majority of the mortgage paid off.

 

Watch this space...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Just logged onto moneyclaim today - HSBC have acknowledged my claim.

 

Does that mean they have 28 days form todays date, or from when it was served?

 

Let see how long this can drag on...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Hi,

what happens if they acknowledge but you don't hear from them by the end of the extra 14 days?

 

Then you can apply for judgement by default just the same as if they hadn't acknowleged within 14 days.

 

I'm wondering if HSBC are now changing their tactics and waiting until the 11th hour at each stage. It wouldn't surprise me if HSBC waited until a couple of days before the deadline before submitting a defence thus making me pay an allocation fee and complete an allocation questionnaire. Then, when a court date is set they may offer settlement a few days before court.

 

All this in the hope that we'll give up and go away.

 

OC

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Had my letter from the courts saying that HSBC (DG solicitors) are putting in a full defence. Expected that of course...

 

They now have 28 days from 13th June. I can almost smell the money!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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I'll be keeping everyone posted at every step of the way.

 

And if non-disclosure crops up, I'll be refusing that as well (unless they offer me a HUGE incentive - yeah right!!)

  • Haha 1

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

Had my letter from the courts saying that HSBC (DG solicitors) are putting in a full defence. Expected that of course...

 

They now have 28 days from 13th June. I can almost smell the money!

Expect a letter from Debbie D'Aubney at DG in the next couple of days.

 

They will spout the usual waffle about "fully transparent, fully defensible etc" but will make a partial offer. Your following letter, turning down the offer, will result in the money being credited to your account a couple of days later...better blow your nose so that you can get a better smell of it...:)

 

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Nose is clear, but no letter today... come on guys, press that button and get the funds into my account!!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

Well, I won't be winning yet - the only letter from HSBC I got today was my statement telling me they are going to take £125 (bad month last month!) off me on 30 June!

Think I'll wait until this claim is setlled then ask for the latest charges back!

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Got my letter from DG Solicitors (the HSBC in house solicitor firm) saying they are paying me to full amount in full and final settlement.

 

Of course, as always, they are not admitting liability, but I'll just have to cope with that.

 

They also insist on confidentiality. I have signed the letter, but crossed out the part that agrees to confidentiality, and just to make sure they don't mis-understand me, I have also added "I do not agree to confidentiality! at the bottom. These amendments are initialed and the letter signed. It will be in the post this afternoon.

 

Whole process has taken about 7 weeks from start to finish. They could have dragged it out further, but they haven't.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

Got my letter from DG Solicitors (the HSBC in house solicitor firm) saying they are paying me to full amount in full and final settlement.

 

Of course, as always, they are not admitting liability, but I'll just have to cope with that.

 

They also insist on confidentiality. I have signed the letter, but crossed out the part that agrees to confidentiality, and just to make sure they don't mis-understand me, I have also added "I do not agree to confidentiality! at the bottom. These amendments are initialed and the letter signed. It will be in the post this afternoon.

 

Whole process has taken about 7 weeks from start to finish. They could have dragged it out further, but they haven't.

 

Wahey!! Well done :D

 

I sent my letter off about a week ago now and still no news, no surprise there really!

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I was assuming the money would be in my account within a couple of days - looks like it will be longer then - ho hum, as long as it gets there.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

That's one down, six to go, although HSBC were my largest target...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

Link to post
Share on other sites

Just had a final letter from HSBC solicitors, it reads...

 

 

Dear gordonhall,

 

Thank you for returning the signed settlement letter.

 

We confirm the agreed sum will be credited in the next day or so. If the credit does not appear within the next week please telephone the write and we will chase the Bank.

 

 

Yours Faithfully

 

DG Solicitors

 

 

NOWHERE in that letter does it mention the fact that I refused confidentiality. Not only did I cross out the bit on their previous letter that requested it, I made the added point of writing "I do not agree with this".

 

So for the record, I would say don't agree to it - it's just a final bullying tactic, designed to let you know who is boss!

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.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

Hehe, well done!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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