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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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LBA to Lloyds re business account.


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Hi

 

Had a holding letter from my Branch ( investigating get back to you soon) in response to my preliminary letter.The initial 14 day almost up , I wish now to send 14 dayLBA , who do I send it to? The local branch who are investigating it or London or The Service Recovery Centre?

Any thoughts anyone , has the response been different as to who it is sent to

or does Lloyds policy remain obstinate whereever it goes.

 

Many thanks - Hijinkx

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i sent mine to london but the responce is the same sorry you are not happy bla bla bla just keep to scedule and you will get there in the end

cindy:lol:tc v lloydstsb:mad:

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Thanks Cindy. - I was trying to speed the process up by sending it to the correct address.Photoman had given two addresses for business accounts - Service Recovery Cente 125 Colmore Row Birmingham , and Customer Support Business Banking Springfield House,45 Welsh Back, Bristol BS1AG.

I appreciate the business claim process is different in several ways and the LBA recipient may be as well ??? - Thanks Hijinkx .

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Most of my correspondance on my Business account sems to be coming from the Service Recovery dept Colmore row Birmingham, so That is were I am sending my own back. Wherever it goes though I'm sure it will get to the relevent person.

By the way. Come and join our dedicated Business claim thread. Click on the link in my signature.

Regards

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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  • 1 month later...

Help!!

Posted off my letter reg bank charges and reply received from LLoyds. Please read following paragraph.(Quoted from my letter)

 

"The office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about default charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit (I do not have an overdraft) They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations." It then goes on to say...

"I do hope you see that we make our charging system as fair as possible - and why I can't agree to cancel your charges"

 

The letter basically says that I have no right to reclaim my charges. I assume this is standard bog off letter?? Do I just send a second letter. Has anyone else received this?? Please note this is a business account and I have only tried to reclaim unauthorized borrowing fees and contra entries , not service charges. I don't have an overdraft facillitly because they won't give me one so I have not charged andy interest.

 

PLEASE HELP!! :-?

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Help!!

Posted off my letter reg bank charges and reply received from LLoyds. Please read following paragraph.(Quoted from my letter)

 

"The office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about default charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit (I do not have an overdraft) They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations." It then goes on to say...

"I do hope you see that we make our charging system as fair as possible - and why I can't agree to cancel your charges"

 

The letter basically says that I have no right to reclaim my charges. I assume this is standard bog off letter?? Do I just send a second letter. Has anyone else received this?? Please note this is a business account and I have only tried to reclaim unauthorized borrowing fees and contra entries , not service charges. I don't have an overdraft facillitly because they won't give me one so I have not charged andy interest.

 

PLEASE HELP!! :-?

 

Hi

Don't worry, this is a standard letter designed to put you off. You need to carry on with your claim:

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

And start up your own thread, you can ask questions etc on there.

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Did not mean to write my question in the middle of your thread. I was busy trying to get as much info as possible. I've just had a baby who was having a screaming ad dab and in my rush I place my question in the wrong section. Thanks for your reply.

 

Ermie :???:

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