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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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Just Frugal Vs Lloyds TSB ****WON****


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Hi there,

 

am very happy to be starting a thread for my claim from Lloyds TSB! - thanks already for all the well written advice found on the website and importantly in the forums - it's so inspiring to see people helping each other out so much! (and a perfect example of positive use of the internet)

 

Am claiming £3800 approx before adding any statutory interest (I'm not bothering with any unauthorised borrowing interest calculations) - an amount which will make a huge difference to my finances and lift me out of my debts.

 

I've had their current standard template reply to my first request and am about to send off my letter before action.

 

Quick question though - where to send the letter before action. I sent my first claiming letter to Gresham St in London and now their response has come from debbie gilbert at the Customer Services Recovery Centre, in Andover.

 

Should I send the next letter to debbie at Andover or just stick with the main London address?

 

Thanks,

Just Frugal

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Definitely reply to Debbie at Andover.

You must go for at least contractual interest i.e approx 14% or whatever it may be , otherwise you will be doing yourself out a lot of money, you must not be frugal!!!!!!

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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  • 2 weeks later...

Hi I'm about to file an N1 form at my local court :-)

 

But since my two letters to Lloyds TSB I've been charged twice more, totalling £60. Can I just add these latest fines to my N1 form claim, even though they weren't in my original letters?

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  • 4 weeks later...

Just a quick (non) update.

 

N1 was handed in at Worcester court on 21st March. As of Friday 13th April, the county court office was over two weeks behind in their paper work so they were unable to tell me if Lloyds TSB solicitors had made any response to my claim. The court office folks advised me to put in the tear off request for judgement slip which I did (recalculating the s69 interest) and they said if there had been a response they'd just return the request for judegement slip to me.

 

Well a month from N1 being served is almost up, so even if they'd responded with a acknowledgement of service then the final deadline for defence is due. I'll check with the court next week and see how they're doing with catching up on all the paperwork!

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good luck frugal not far behind you. sent my letter before action and time to get my court details ready nothing from debbie gilbert but still five days to go then i will file my claim i was in the bank yesterday my local tsb paying a bill and a guy in front past a letter in to the bank staff.he was told she would put it wilth the pile she already had with a smile :-)

he was told also by her things are about to change the terms and conditions on each claim i take it with every claim made by ourselfs tsb are going to give us new terms we wait and see anyway best of luck not you will need any

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Well, spoke to the court today. LLoyds filed an acknowledgement of service on April 3rd - thus giving them 28 days since the date of service which was 23rd March.

 

The 28 days are now up, but again the court can't tell me if a defence has been filed by SCM because they have a "massive backlog" on logging defences.

 

The court said they'd send me out another request for judgement slip, which I guess I should fill in and return just in case SCM have been late with their defence - is that the right thing to do?

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Well turns out SCM filed a defence (two pages with 9 main points) about 15 days ago.

 

I just got a letter from the court saying the file has been referred to the district judge for directions. That's all it says. The postmark on the letter envelope is from a different county court to the Worcester one I started the claim at, although the letterhead comes from worcs county court.

 

So does this mean I'm not getting an AQ, or is this the normal procedure before AQs are sent out?

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update:

 

just called the court and they say no, I'm not getting an allocation questionaire. Annoying they did not say this in the letter!

 

The court person I spoke to said I can send in some proposed directions as a suggestion for the judge, so I'll do that as suggested in the "draft order for directions" part of the 'new strategy for AQs' thread.

 

I remember seeing something related to including a bit about why a stay (if requested) would not be agreeable to me so I guess I should send something to that effect too - can anyone point me to the right place for this?

 

From reading other threads I see it recommended that I should also send a prod letter to SCM (as a tactic recommended in the HSBC "New---after 28 Days - Maybe No Aq!!!!!!!" thread).

 

Any other suggestions?

 

btw - the court person i spoke to said my letter envelope probably came from a different county court because they are helping to handle the massive overload of paperwork at the moment!

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Hi, I am at the exact same stage as you at the exact same court against the same bank. I also received the exact same letter as you, didnt say AQ dispensed with and also the postmark came from different court(kidderminster)

 

Take a look at my thread if you like matt v lloyds http://www.consumeractiongroup.co.uk/forum/lloyds-bank/68079-matt-lloyds-3.html

 

I will keep a look out on your thread

 

good luck, matt.

Lloyds settled in full

£4010.02:D

 

Halifax CC settled

£417.00 :D

 

Lloyds PPI

£3672.15 Refunded off loan :D

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  • 3 weeks later...

Hi, I had that letter yesterday and today i got a court date for the 5th July.

Lloyds settled in full

£4010.02:D

 

Halifax CC settled

£417.00 :D

 

Lloyds PPI

£3672.15 Refunded off loan :D

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Hi just read on my thread that you are straight after me. if they both get that far hopefully we will both be celebrating afterwards:D

Lloyds settled in full

£4010.02:D

 

Halifax CC settled

£417.00 :D

 

Lloyds PPI

£3672.15 Refunded off loan :D

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  • 2 weeks later...

I called the court yesterday to check about paying the allocation fee as on other threads I've seen other people having to pay it, but the courts being slack in requesting it.

 

 

worcester court said that normally the allocation fee is payable even if the AQ has been dispensed with, but that all allocation fees for these bank charge cases at worcs court have been dispensed with as well.

 

that's what we like to hear :)

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  • 4 weeks later...

Wow I WON!!!!

 

just checked my account after seeing that Mattyb13 had been repaid (as we were due in the same court on the same day) and there it was.. a nice new 'BC Refund' of £4932.92

 

That's all charges, 8% interest and court fees - nice.

 

I'd sent my bundles off on 21st June and court date was 5th July. I really didn't think I'd hear anything until maybe the day before court.

 

YIPEEEEEE!!

 

Thanks to all for the help. Using this forum has been a very positive experience. Also found another old TnC which i will scan and send in to evidence address. Letter tp be sent to court now. Wonder if I'll get any communication from Lloyds tsb or [problem] about this....

 

Donation of course also to be made to the forum :)

 

Gonna go dance around the house again now!

 

Thanks all

x

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Nice one JF, I took some of the family out celebrating last night and im taking some more out tonight.

 

We are going on holiday in 10 days aswell so the money is a great boost and I no longer have a £2300 O/D with lloyds, great isnt it.

Lloyds settled in full

£4010.02:D

 

Halifax CC settled

£417.00 :D

 

Lloyds PPI

£3672.15 Refunded off loan :D

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Wow, another one!!! Excellent news, congratulations!!!:-D

 

Don't forget the survey!;)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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thanks for all the congratulation messages :)

 

90% of the money has gone towards paying off overdrafts etc - it's going to make a huge difference to my budget each month.

 

for info [problem] had filed their bundle with the court on the 20th june (2 days before deadline) - I was never informed nor did they send me a copy. I'm going to pop into court next week and go and have a look at it just out of interest.

 

thanks again, survey filled in, donnation to follow :)

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Hmmm... interesting.

 

Yes, I think you should most definately get a copy from the court. When you do would you send it on to me please? I'll pay any expenses.

 

Thanks.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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