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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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lbatchelor vrs HBOS in Scotland ****WON****


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Hi all, am new to this but have got lots of information by just reading :rolleyes:

 

I was wondering if anyone could give me any info on claiming back over £750 in Scotland.

 

Have sent off our letter to Halifax 2 weeks ago claiming back £9795 inc interest-haven't heard anything back from them yet.

 

Was wondering what to do if next or what will happen if we have to take them to court as it is larger amount than we can claim in small claims court in scotland.

 

Any advice would be greatly appreciated thanks Lynn :idea: :-| :idea: :-|

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Hi Lynn, I have just joined this forum today.I just wanted to say that I am almost in the same position as you.I received a letter from hbos on the 23rd feb saying that they were looking in to my case-am trying to claim back over £700 plus interest-but since that letter I received I have heard nothing back.I phoned them last wed and was told they are very busy and they will be in touch.They haven't.So I am going to send another letter to them tomorrow- as it is well past 14 days I gave them-stating that if I do not hear back within 14 days I will be taking them to court.I know that here in Scotland we can claim up to £700 at the small claims court so all you would have to do is split the cases up and take them to court a few times-although this would be more costly as I think that you have to pay about £85 to file a case.not too sure though.I will be seningd a letter off to them tomorrow and hopefully this will nudge them along a bit.I personally think they are trying to stall everyone so as to wait for the investigation later this month.

 

Maz

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Hi lbatchelor looking at the size of your claim and recent developements in regards to claiming in Scotland i would strongly advise you complain through the FOS if the HBOS dont offer full settlement, they have a 100% success through this and charge the bank £600 per complaint, good luck and any questions ask away.

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Hi Maz, i'v not even had a reply from them to say that they are dealing with my letter, how long was it from you sent your first letter till you got a letter saying they were dealing with it, thanks LYnn :)

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Hi Lynne,It was about 9 days later that I got a reply.I sent my letter by recorded delivery.maybe you should give them a call tomorrow and see if they have received your letter.

Maz

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Hi Maz, thanks for getting back to me :)

 

I have been on the phone to them for an hour today and they deny all knowledge of having recieved my letter - despite it being signed for on 27th Feb. So they now stated that i have to go into the branch and fax it to them today and that they have eight weeks to sort it out, but i have told them that i am taking the eight weeks starting on 27th feb as that is when they signed for the letter whether they have received it or not! I can see this being a real fight as i have already got a customer complaint in with them for not sending me all my statements despite requesting them 7 times,they kept missing out the same 2 years :-| :-? :-|

 

Oh well no-one said it would be easy did they?! Good luck with yours regards Lynn

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Hi lbatchelor

 

"but i have told them that i am taking the eight weeks starting on 27th feb as that is when they signed for the letter"

 

What 8 weeks are you giving them, stick to the timescales in your templates 14 days for Prelim then 14 days for LBA, thats it, the FOS is the Financial Ombudsman Services who are in London, they will investigate any complaints you have in regards to many institutions including the banks in relation to penalty charges, to do this you need to have the banks final offer they make you after the lba, hope this helps.

 

Financial Ombudsman Service

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Hi bigmac, thanks for getting back to me.

 

When i looked on the FOS website it said that the bank has 8 weeks to give a full and final response and they would not get involved until this had passed-that's why i gave them 8 weeks. If the 2 weeks is up from the date they received the first letter then do you think i should issue the lba today

 

Thanks Lynn :):confused::)

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  • 2 months later...

Hi Lynn.How did you get on with problem with Halifax/BOS?I got a reply from them almost 8 weeks later saying that they were giving me a refund of all the charges taken but said'This in no way means we are liable but is a goodwill gesture':confused: I hope you were successful,Lynne or are you still waiting for a response still?Maz

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Hi Maz

 

We got it all back - we first got a letter (exactly 8 wks to the day like they said) saying that they would give us a goodwill gesture of half the amount we wanted. I phoned them up and said that it was unacceptable and that i would go to the FOS etc and they said we could have the full amount, so that was a bonus.

 

Am doing my other 3 accounts now but don't know if they will go the same - fingers crossed!

 

Well done you

 

take care lYnn

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Lynn-I wondered how you got on.I am glad you managed to get your money back.Well done for not giving in to them:) !!and good luck with the other accounts.Luv Maz

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CONGRATULATIONS..!!!

 

Hope to see your other threads with good news soon.

 

Dont forget the survey. :D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Well, there's me!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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