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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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Napoleon_In_Rags v Co op


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Hello everyone,

 

I happened upon this forum by accident, and although it appears very daunting at the moment, I'm reassured by the fact that there is such a site to begin with!

 

I'm having multiple problems at the moment:

 

1. Co-Op Bank have just taken a £19.50 'commission' from me, for a £13.50 refused DD. When one considers that I only receive £50 per week Jobseekers Allowance, to live on each week, that's quite a chunk :-(. The DD was for NTL Broadband, which they didn't send me an account notification, as promised, before they demanded the payment. They maintain that they send their notifications via e-mail, not snail mail as the salesperson promised they would at the time of signing me up. I've written/spoken to NTL, to ask them to refund the ammount, as I believe that it's their fault. I'm still going to complain to the Co-Op though, as these charges are simply outrageous, imo.:-x

 

2. British Gas have consistently taken credit from my top-up meter, which they weren't entitled to. They've verbally admitted their mistake, and that I am entitled to a £100 plus refund. Although I've written to them twice now, even threatening them with the regulator, they don't seem to be in any hurry to make the refund, or alter my meter.:-x

 

3. Capital One credit card. The ammount of fees/charges, levied by this company due to one late payment, caused me to go over my limit and, therefore, incur further charges, which I simply couldn't afford to pay. I fear that this one will be the most difficult to tackle.:-(

 

Anyhow, I feel a bit more positive, knowing that there is a resource like this forum to help me battle along. I'll be more than happy to make a donation to the kind soles who've set this up, when and if I'm successful.:)

 

Cheerio for now, and good luck to everyone in your respective battles.;)

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Hi, and welcome - don't be nervous - be relieved you have found this site and you will have lots of people supporting you and giving you good tips and advice. There's a thread on here somewher about the banks not being allowed to take from benefits - I'm not sure if this includes JSA but I will find it and come back to you.

 

British Gas - a long term problem with utility companies trying to get money back for them -and they give you such a hard time if you don't give it to them! You may want to try one more letter, or you could look through the template library on here and find the Letter Before Action, modify it to suit yourself, and be a bit more threatening with them.

 

Capitol One - don't let it daunt you - there are thousands on here claiming back from CC issuers. Search for capital one in the search button on the blue tool bar above, and read up about other people dealing with them.

 

You are in good company here, good luck!

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Hi Napoleon

 

There are some links below to help you.

 

Ukaviator

  • Haha 3

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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and have a read of this Sticky: Is the bank taking your Benefits ? (multipage.gif1 2 3 4 5 ... Last Page)

 

Many thanks for that ladybird, I wasn't even aware that they couldn't take money from my benefits. I've written to the Co-Op, over the weekend, and demanded that they make an immediate refund. I've given them 7 working days, and threatened them with the F. S Ombudsman if they don't. It was very useful, to be able to quote the law, chapter and verse, so thanks again.

 

 

 

Hi Napoleon

 

There are some links below to help you.

 

Ukaviator

 

Many thanks to you also, UKA. There's tons of stuff to get through, and I've been having a read over the weekend, as well as firing off a few preliminary letters: just to see what their response will be. Hopefully, by the time they've responded, I'll have a better idea of what I'm doing. Thanks, once again, you've both been very helpful.:-)

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Hi, and welcome - don't be nervous - be relieved you have found this site and you will have lots of people supporting you and giving you good tips and advice. There's a thread on here somewher about the banks not being allowed to take from benefits - I'm not sure if this includes JSA but I will find it and come back to you.

 

British Gas - a long term problem with utility companies trying to get money back for them -and they give you such a hard time if you don't give it to them! You may want to try one more letter, or you could look through the template library on here and find the Letter Before Action, modify it to suit yourself, and be a bit more threatening with them.

 

Capitol One - don't let it daunt you - there are thousands on here claiming back from CC issuers. Search for capital one in the search button on the blue tool bar above, and read up about other people dealing with them.

 

You are in good company here, good luck!

 

I cannot underestimate the relief that I felt when I found this site, and everyone seems so helpful and nice. It's just a relief to know that we're not all isolated. Makes me even madder though, when I keep thinking how those useless MP's are allowing these companies to prey on us like this. And they have the cheek to wonder why people don't bother voting for them?:mad::mad::mad:

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Apologies if I'm being totally stupid, but where are your 'scales' that you mention? I don't follow.

 

Scales are in the bottom of the blue shaded frame to the left of each post, next to the blob that shows if you're online or not. Try clicking mine as a test :) If you hover your mouse over them you get a yellow tooltip saying 'Add to posters reputation'

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If in doubt read the

FAQs

 

If still in doubt - ask!

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Napoleon in rags - what language do you use

Do I have to come to you, when you call me? Can't I refuse

If I have got something, do I have something to lose?

Or am I invisible now, got no secrets to conceeeeaaaaaaaallllllll

 

 

Welcome!

 

Be careful though - there are some weirdos about!

:D

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi your Coop thread now up and running.

Please start additional ones for your others in the respective groups.

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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Checking in so's I get notified of updates.

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Napoleon in rags - what language do you use

Do I have to come to you, when you call me? Can't I refuse

If I have got something, do I have something to lose?

Or am I invisible now, got no secrets to conceeeeaaaaaaaallllllll

 

 

Welcome!

 

Be careful though - there are some weirdos about!

:D

Westy

 

LOL. Sussed.:D How do you feel? Hope you're not on your own, lost, or anonymous, Westy. It's nice to meet someone who requires no explanation of my handle. There's also some philistines about!;)

 

Thanks for the welcome, btw.:)

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Hi your Co-Op thread now up and running.

Please start additional ones for your others in the respective groups.

 

Thanks for that, Martin. I planned to start a new thread, as and when I received any responses from my correspondence (none as yet) I've been busy trying to gen myself up on how others are tackling similar problem's. There sure is a lot to read.

 

Regards.;)

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