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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
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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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Claiming on a Business account? Lets join forces?


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Agreed Photoman.......

 

 

And indeed "Shelty" vs Natwest WON today!!!!!!

 

 

 

Innocent :D

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

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I think the question was directed at me.....(my signature :grin: )

 

I totally totally agree with photoman again....

 

Previously.... I had also a large personal claim going on with Natwest too (now won) and I was (probably unnecessarily) nervous about a business and personal claim running together....

 

I was nervous about filing for an ex limited company; albeit the ex business bank account now seems to of been set up as a sole trader account by accident....

 

And back in September; the discussion was all about "Contractual Interest"..... another delay, whilst I learnt....

 

And of course I had 3 claims running together without any wins..... now 3 wins

 

NOW.... three statuatory wins under my increasiing money belt and I have recently posted:

innocent vs monument (barclays)

innocent vs lloyds tsb mastercard

innocent vs lloyds current

 

All 3 are at the N1 ready to file stage!

*I think Im ready to start innocent vs lloyds current next week, :)

*Monument have sent me an offer :rolleyes: which will delay me somewhat

*Lloyds Mastercard.... I have some converns about some contractual rates I sent in the LBA which may have been incorrect :x

 

 

I will kick these 3 off next before I re-examine my business LBA again.... (can't wait really Natwest is sooooo much easier I believe than lloyds or barclays)

 

 

Like Photoman says..... slowly slowly catch ur monkey....

 

I am older, wiser, more knowledgable, more confident, richer, more relaxed, and undoubtedly will ultimately put in a larger claim than I would of done....

 

Watch this space eh :D

 

Innocent

  • Haha 1

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

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Thanks innocent

 

Was not being funny, so please do not take any offence

 

No thankyou....... no offence taken!?! :D

And thanks Photoman too ;) Very eloquent and we agree on much

 

There were a number of claims you have won and a business a/c claim which appeared dormant for 6 months - now know why

 

:rolleyes: me being too slow (and initally nervous) and gaining knowledge

 

Any advice given will be greatfully received

 

This is my 1st claim and is a business a/c for c£9k, with BoS so expecting a battle, Of which I want to win. When this is out the way do expect to start 3 other business claims- all sizeable.

 

I am a little nervous giving advice about business accounts.

....And then there are a multitude of business accounts: sole trading, partnerships, and limited companies ...

(limited companies seem to be causing a few issues for some people as (in theory) only the limited company should be able to claim for charges (not any one person), and if that company is dead......:mad: ?? Surely if you proove you were 100% shareholder.... anyway.... another thread, another day, another time...)

 

I can say that it seems that most banks deal with personal and business claims very similar procedurally...

....that is to say for example.....

*natwest/Rbos always defend, await aq but settle long before a court date "usually"...

*whereas "barclays" wait until the court date is set "usually"....

*whereas "cap 1" settle almost without a fight....

 

There are distinct trends, and albeit different be certain YOU WILL WIN!!!!

 

When you talk about Bos.... just to clarify Bos? or RBos? Personally I would not be concerned about them being a Scottish company; if you bank with them in England??

 

Obviously, to the aid of someone else here, you are ware of the differences between claiming between personal and business accounts (even at prelim and LBA stage) and you have highlighted the FAQ's in your reply....

 

Personally, I would read read and re read as many BoS threads as possibe (personal or business) particularly the larger claims, like yours, and be prepared for what they will throw at you.... no doubt very similar.

 

Does anyone know if it applies to interest penalties when repaying a business loan early - 3 months interest another c £16k claim with Banking Ombudsman who are "homers" - Complete breach of OFT 620 regulations - seeing if the regulatory body with sort that out but not much hope.

 

I dont know enough about this! Personally this sounds a little like a ERC (mortgage) claim and they are in all sorts of **conerns** here at the mo... be careful...

 

Anyway, sorry if rambling.... a little tired.... hope I help a little :-)

 

Innocent

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

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With any claim in progress.......

 

 

 

....... stick with the claim "as is".......:)

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

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