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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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Firefox V HFC Bank ** WON **


fire fox
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Hi all

Fresh from my success with NatWest I am about to chase HFC for a samll amount. I already have my statements to hand and am sending the prelim letter for payment tomorrow. Question... is the process exactly the same as NatWest? I'm guessing it is. Secondly...is the address in Birmingham the one I use for all correspondence? I have a lot of admin fees - £15.00 so thought I'd get them back.

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I sent my subject access request to the their head office which had a Slough (SL) postcode. This resulted in a delay, and all my subsequent letters were sent to the PO box address in Birmingham, since when their responses - although otherwise unsatisfactory - have at least been quick!

 

Use the Birmingham address if I were you.

Bank charges reclaimed:

£2160 from First Direct.

£415 + costs from HFC/Beneficial

£409 + costs + interest from RBS (£544.39)

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  • 2 weeks later...

Sent my prelim letter on 3/03/07 and today received response saying no form their Complaints Manager. She has advised I follow their internal complaints procedure. Next step LBA. Thought they may not have argued over £350!!

:)

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I gave seven days on my LBA for all three of my claims, and I made sure to write calendar days

Bank charges reclaimed:

£2160 from First Direct.

£415 + costs from HFC/Beneficial

£409 + costs + interest from RBS (£544.39)

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  • 4 weeks later...

Ok. No response to my LBA. The time scale I gave then has well passed as I have just been away for 10 days. My question is shall I give Rachel Daramola a call and ask if they want to avoid the addition of court costs before I issue the MCOL? Next question is does anyone have a contact number for her?

 

Thanks

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If you are happy to talk to them on the phone then it is always worth doing - and really the court does put an onus on claimants to try and seek a settlement before a clam is issued. However, don't let them sidetrack you.

 

 

 

 

 

 

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Thanks for that Alan. Dont think they can sidetrack me as Im on a high after winning against Natwest. Have learnt so much from this site, not least a bit of self belief and more confidence:)

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Thanks for that Alan. Dont think they can sidetrack me as Im on a high after winning against Natwest. Have learnt so much from this site, not least a bit of self belief and more confidence:)

 

 

Hi All

 

Rachel Daramola-Martin works in the Winkfield office (HFC Bank's registered head office). The reception number there is 01344 890000.

 

If you call Birmingham, you will only get put on hold til they transfer your call.

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Got another letter today offering exactly half so after phone call to them on Monday offering to save them the court fee if they want to settle in full I will fill in the MCOL. Same pattern as NatWest!!

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I got the same offer yesterday exactly half without the interest they said it would be a good will payment.

I did'nt think banks had any goodwill

 

Ian

 

They don't - it's pure economics to them. Some customers will settle at this stage and that's money saved to the bank.

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  • 2 weeks later...

Called Winkfield office today rejecting their half offer. I asked if they wanted to settle in full now as it is such a small amount and pointed out it would avoid them having to pay court costs and added interest. The guy on the other end said they wouldnt offer more than half so to go ahead with the court claim. MCOL will be completed tomorrow. Here we go again !!! What a waste of their money and the court time eh?:rolleyes:

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  • 1 month later...

I sent a letter confirming I would not accept half and telling them I was off to court. Saturday morning a letter offering full amount into a bank account of my choice within 14 days arrived !!!

Result....yahoo:D

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well done m8 , got a letter saturday saying we aint paying you diddly squat so letter went out dinner time saying you got 7 days left pay or go up against the fireing squad and prepare to take wats thrown at you . only took them 1 day to investagate and send the reply out to me ( yeh right)

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Hi Firefox,

Well done. I'm just about to file my claim with them for the first of two accounts and your thread is really encouraging. They offered me £37.50 after first letter and now they've offered me £75 out of £195, so if I follow your lead and send them a letter, I could be in for a nice surprise next week :) Won't hold my breath though and won't start the second one just yet, just in case

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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