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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
      • 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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Mrs THFC4EVER v Debenhams (GE Money)**WON**


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Hi,

 

After reading lots on this site, I decided to start the process of reclaiming charges on my Debenhams (GE Money) store card. Here is where I'm up to:

 

05/02/2007 We sent "Preliminary Approach For Repayment" letter

 

15/02/2007 They sent a letter which was a 100% offer with conditions

 

16/02/2007 They sent the cheque corresponding to their 100% offer with conditions letter

 

18/02/2007 We sent "Rejection of Settlement Offer (conditions attached)" letter

 

22/02/2007 We sent "Credit or Store Card - Letter Before Action" letter

 

22/02/2007 They sent amended 100% offer letter without the offending condition, and enclosed the previous cheque. (Note: this arrived after we'd sent the above letter)

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Hello THF

 

Glad I have found your thread! I am in the process of starting a claim against Debenhams (GE) on behalf of my mum.

 

Out of interest - what were the conditions? where they requesting you repay what you owe? Or that you cut up the card etc etc. I ask as my mum is rather attached to her card!!! DB is her fav store!!!

 

Have you accepted their offer??

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Hi MBK,

 

The condition that I objected to was the phrase "in full and final settlement of this matter". I've read on the CAG website that we should not accept any conditions with an offer, and I don't see why I should sign away my right to take any action in the future if things change.

 

I also objected to this same condition with Egg and they, like GE Money in this case, sent me back the same letter but with the offending words deleted! To me this proves that the phrase is not necessary, and that they were just trying to be sneaky - don't let them get away with it, just as you're not letting them get away with taking your money!

 

The balance on the card was zero, but I've banked the cheque (as it was 100% of what I claimed) and will write to accept the offer once it has cleared.

 

Hope this helps, and good luck with your claim(s) :)

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Hi THF

 

thanks for that...I will keep that in mind. Def don't want any conditions attached to any settlement offered. I am at the very early stages....wanting to read up on all that I can. There is so much info to digest!!!

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  • 3 weeks later...

05/03/2007 Their cheque has cleared so we sent "Acceptance Of Settlement Offer (only if they've attached no conditions)" letter. This is now over. We won :-)

 

The amount of this claim was (only) £15.00, and we received £15.00.

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  • 2 weeks later...
Hi,

 

After reading lots on this site, I decided to start the process of reclaiming charges on my Debenhams (GE Money) store card. Here is where I'm up to:

 

05/02/2007 We sent "Preliminary Approach For Repayment" letter

 

15/02/2007 They sent a letter which was a 100% offer with conditions

 

16/02/2007 They sent the cheque corresponding to their 100% offer with conditions letter

 

18/02/2007 We sent "Rejection of Settlement Offer (conditions

attached)" letter

 

22/02/2007 We sent "Credit or Store Card - Letter Before Action" letter

 

22/02/2007 They sent amended 100% offer letter without the offending condition, and enclosed the previous cheque. (Note: this arrived after we'd sent the above letter)

 

 

Could you please let me know the address to Ge Money, Ive send 2 letters to GE Capital Bank , 6 Agar st wc2n 4hr on the 21/3 but still havent arrived according to royal mail so I think is better to send them as you say to GE Money (I didnt know theyve change names) I am also looking for the address for TIME RETAIL FINANCE (Comet) card I have Selectapost 17 S97 3Bs

I will appreciate your information. Thanks:D

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Estela,

 

The first address that I used was:

GE Capital Bank Limited

Customer Services Department

Trent House

Torre Road

Leeds

LS99 2BD

but the replies came from a different address, so I used that in all future correspondence. That address was:

GE Money

PO Box 700

Leeds

LS99 2BD

I did a search on Google for "TIME RETAIL FINANCE" and it came up with:

Time Retail Finance

Hepworth House

Claypit Lane

Leeds

LS2 8AE

West Yorkshire

Tel: 0870 240 0884

Fax: 0870 3302032

 

Hope this helps :)

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Estela,

 

The first address that I used was:

GE Capital Bank Limited

Customer Services Department

Trent House

Torre Road

Leeds

LS99 2BD

 

but the replies came from a different address, so I used that in all future correspondence. That address was:

GE Money

PO Box 700

Leeds

LS99 2BD

 

I did a search on Google for "TIME RETAIL FINANCE" and it came up with:

Time Retail Finance

Hepworth House

Claypit Lane

Leeds

LS2 8AE

West Yorkshire

 

Tel:

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Estela,

 

I didn't understand that last post of yours! :confused:

 

Do you want to give it another go?!?

Sorry is a copy of yours!!! I dont know how this happened but thank you for your information:D :p

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  • 3 weeks later...

Didnt know until yesterday that claims can be made against cards too-so is it acceptable to make claim against HSBC as my husband and daughter both have accounts and are being charged £12 for each late payment which is only a day or so.If so,is the same preliminary letter sent-with maybe just a few modifications?Appreciate any help on this matter.

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Pattacake,

 

Yes, you certainly can claim for these.

 

Have a look at the Bank Templates Library - there is a letter template there for credit/store cards: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Also, have a look at the following step-by-step guide for an overview of the process:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Finally, start a new thread for each claim in the "HSBC Bank" forum so that you can keep us up to date and ask any questions there.

 

Good luck - know up-front that it takes time but stick to your guns and you WILL win :cool:

 

 

THFC4EVER.

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