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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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About the OFT (not so) impending report - PLEASE READ THIS IF YOU'RE WORRIED


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In the "Tonight" programme a few days ago, Martin Lewis announced his belief that the OFT "cap" would be set at £12-£15 and that the banks would then only refund the difference between that amount and the amount people were charged. This opinion created a panic amongst reclaimers, thinking that they were about to lose a large chunk of their money if they didn't rush to claim now.

 

This needs a few clarifications:

 

First, this is Martin's opinion. It is not based in law, or insider knowledge. He may be a well known journalist, but it is still only his personal opinion, speculation if you will.

 

The facts are these:

 

a) The OFT is a regulatory body, they do not make law. The only way the law can be changed is through an Act of Parliament.

 

b) The OFT, when they announce the results of their enquiry on bank charges, will only be announcing a level at which they themselves will take legal action against the banks. It is not a cap!!!

 

In their credit cards report of April 5th, 2006, they clearly stated that they could not declare what was a fair or lawful charge, only the courts could decide on this. Furthermore, the OFT also declared at the time that consumers who felt that they had been charged unfairly should go through the legal system to reclaim their charges. There is no reason to suspect that their stance will not be identical this time.

 

c) The law on penalties is well entrenched in contract law. Even if a bank tries to tell you after the OFT announcement that they will only refund the difference between the "cap" (It's NOT a cap!) and what you were charged originally, (leaving aside the fact that such a decision couldn't apply retrospectively anyway ), well, they also told you their charges were lawful, fair and transparent, and did you believe them? Why should you believe them now?

 

d) Bottom line is this: If the bank try to say that they'll only refund you the difference, carry on with your claim. They will still have to convince a judge that what they are charging is lawful, which means they would still have to disclose how those costs are calculated, and they still won't want/be able to do that.

 

Conclusion: Ignore the sensationalism, stick to the facts, and you can't go very wrong. In other words, business as usual, OFT or no OFT report.

 

I hope this helps setting a few minds at rest. :-)

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Thanks, Kimmy.

 

Don't want to sticky it, as there already are too many stickies up there and it will not get seen as much. So if people keep on bumping it, there's a better chance of it being viewed by more.

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why is martin doing this :x what rubbish. :mad: didnt affect the credit card claims. and it wont affect the bank claims.

 

somebody really should put him right on this.

 

the average joe not on these forums wont be any the wiser :mad:

 

going to go on mse now :mad:

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Martin can stand there, wiggling his butt and fluttering his eyelids...and then try to woo people with soft and calming words...ignore him...as Bookie says, it is only his opinion...and it is wrong.

 

You don't need to look very far to see other opinions that are wrong...they are in the news everyday...and forgotten ten minutes later when the reality strikes home.

 

CAG methods have been tried and tested, there is experience in the advice, and resolve in the determination to continue with full settlement of claims...the banks will try to concede the beach-head, and convince you that you have won - do not let others reinforce this view...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Excellent posts folks.

 

I claimed against cap 1 credit card... they offered the difference between the charge and £12. I told them to pay it all up... they did so.

 

The banks will have to do the same, its exactly the same situation.

 

this is nothing more than a red herring.

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lol @ phoenix
Well, it was a nice birthday present for her...and a sincere form of flattery - who else can claim to have been a part of both Phoenix' and Spicey's sig???

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I do feel that MSE (with Martin) has become a poster-site for the bank charges reclaim, and it worries me greatly. Almost all articles/documentaries/reports on bank charges reference the MSE website, so I'm guessing that most of this second/third wave of reclaimers are starting off there; and if the advice up there is anything like the 'live' advice that he gives, well...I can't actually listen to him go on about charges because it ends up with me wanting to beat him over the head with a frying pan and say: "You're being misleading! AGAIN!" I think it leads to people just charging in left right and centre, thinking it's just a case of writing a letter = automatic refund, and panicking, then abandoning their cases when it doesn't pan out as they were led to believe. This means the banks get to keep more of their ill-gotten gain...

grrr rant on Martin over.

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I do feel that MSE (with Martin) has become a poster-site for the bank charges reclaim, and it worries me greatly. Almost all articles/documentaries/reports on bank charges reference the MSE website, so I'm guessing that most of this second/third wave of reclaimers are starting off there; and if the advice up there is anything like the 'live' advice that he gives, well...I can't actually listen to him go on about charges because it ends up with me wanting to beat him over the head with a frying pan and say: "You're being misleading! AGAIN!" I think it leads to people just charging in left right and centre, thinking it's just a case of writing a letter = automatic refund, and panicking, then abandoning their cases when it doesn't pan out as they were led to believe. This means the banks get to keep more of their ill-gotten gain...

grrr rant on Martin over.

 

this is true thats why dont go on there anymore. stick to tried and trusted :D

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Ahhhh the good old days... I recall an email about a year ago which told us all there was something happening that could be very exciting and if anyone had ever had any bank charges they should visit a new site called BankActionGroup (as was).

 

Back then, Martin was not afraid of sending people here because (a) he knew nothing about the actual mechanics of reclaiming and (b) far better for a dedicated site to deal with the issue!

 

Still, at least (a) remains the same :-)

 

I can at least be glad that I found the site early on - if I were new to the issue today, things could be sooooooooo different. (was that enough o's?)

 

We all need to make sure that we tell everyone we know what the truth is, rather than the 'other' version.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Back then, Martin was not afraid of sending people here because (a) he knew nothing about the actual mechanics of reclaiming and (b) far better for a dedicated site to deal with the issue!

 

Still, at least (a) remains the same :-)

 

b) remains the same too. :D

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Ahhhh the good old days... I recall an email about a year ago which told us all there was something happening that could be very exciting and if anyone had ever had any bank charges they should visit a new site called BankActionGroup (as was)

 

We all need to make sure that we tell everyone we know what the truth is, rather than the 'other' version.

These two bits also remain true...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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how about all of jonnis post is TRUE! :D
Usually I would agree, but this bit isn't true:

 

Have you just found us?

 

I've been here for more than a year now...:rolleyes:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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ive been here a while aswell had to change my username :(
Isn't that strange...so did I - even the bits that J2B didn't mention are still true...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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