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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.  

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      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.

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      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
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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.
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      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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Cymru1106 vs CitiFinancial


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Hi all,

Seeing as how I have just successfully been refunded bank charges etc of £3500 from Natwest and £3000 from RBoS I think it is time I challenged CitiFinancial. I have had a loan with them for a few years now and due to personal circumstances this has now been unpaid for several months, it has been handed over to 1st Credit who now hounding me and threatening all sorts of legal action., So its time to be pro-active rather than reactive to their demands. I have just sent letter off requesting details of account etc. Letter sent to:

CitiFinancial

6 Admiral Way

Doxford PaRK

Sunderland Tyne & Wear

SR3 3XW.

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Hiya Mike

 

I have a loan with these guys and like you said they have passed mine over to 1st credit too and have just started to hound me.

I have just started the ball moving with A & L, HBoS & Capital One so i want to get these going before moving onto Citi. I will be watching your thread with great interest!

 

Good luck

Matt

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Letter sent to:

CitiFinancial

6 Admiral Way

Doxford PaRK

Sunderland Tyne & Wear

SR3 3XW.

 

I sent mine to:

 

The Data Protection Officer

Compliance Department

CitiFinancial Europe plc

1 Exchange Quay

Salford Quays

Manchester

M5 3EA

 

Which 1 is right?

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The Tyne & Wear address might be the Citi address relating to their loans business.

 

I would imagine that the request if made properly should be passed along.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 2 weeks later...

Received a reply to my request for statements, 2 type written pages of - basically- nonsense. I followed this up with a phone call requesting details such as balance when account handed over, how much did 1st credit pay to take on the account etc. The lady on the phone told me she was not allowed to give me that info and I should ask 1st credit. I did so and guess what -they refused to give me the info as well. I am not quite sure what track to follow now, anyone with any ideas please?

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Did you send a request using the Subject Access Request template as a basis, and enclose a cheque for £10.

 

This should have gone to Citi.

 

If you have written to Citi with the above, contact Citi again telling them that the clock is still ticking and they have the remainder of the 40 days from the date on the letter to complete you request.

 

After that it's time for a complaint to the Information Commissioner, and possibly court action for non-compliance which can get people at Citi in serious trouble.

 

I know someone who has gone to court for non-compliance of an SAR and can point you in their direction if you have no luck.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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