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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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NeilP .v. Abbey National Plc *** WON AS WELL!!!**


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Re-calculated claim, completely particularised was sent to Abbeys Solicitors last night. This morning i sent Abbeys solicitors copies of three N1 forms (also completely particularised - so no excuses this time!) for my other Abbey account, old mortgage and the Wifes old Abbey Account, with the thought that they may like to settle these prior the forms being lodged into the Court System and save us both the hassle.

 

It's worth a shot!

 

They now have until 21st June to produce a defence for the initial claim.

 

Just a thought. If getting a claim onto the fast track is a good thing (cost issue aside), would it be an idea, if they don't pay up for the others, to ask for the claims to be merged, thus taking it over the £5k threshold and forcing into the fast track? Once that track has been allocated, standard disclosure can be requested.....

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An interesting tactic! I think that none of us expect the initial claim to go a whole lot further (hope, anyway) but landing them with clear indications that you're about to issue separate actions might focus their minds on the escallating costs of all this.

 

On a separate note, I'm off to program the DVD recorder for tonight's Tonight with(out) Trevor McDonnald.

Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00

Abbey - Won Charges Refund of £1050 - Nov 06

Egg - Recovered £220 due to Customer Services misinformation - Feb 2007

Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.

 

Please check out my web site www.BankChargesScandal.co.uk for Research, Useful links and my story.

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Got their defence through in the post this morning. I'll leave any comments about it for now!!

 

Accompanying the defence was a 50% offer - Surprise Surprise! Erm - No!!

 

I also had an e-mail response about my other pending claims with Abbey, and they have offered my 50% on those as well as a gesture of goodwill - that's nice of them isn't it folks!! I think i need to do some more reading to see i if i should accept these offers....... on the other hand, maybe i don't!

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Well done Neil. Nearly there! :)

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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How about accepting 50% as long as they give you another 50% to go with it?:rolleyes:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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well if its 50% with 14 days to go it looks promising..........

 

 

:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Just go an e-mail stating that my this claim PLUS as i had sent them details of my other Abbey Account, Old Mortgage and Wifes Old Abbey account's pending legal action, they have settled THE LOT 100%!

 

Just waiting for the funds to appear in my account (i asked for a direct transfer instead of cheque as that was the manner in which they took the money in the first place) and i can make that all important donation to CAG!

 

Thanks to everyone for their support, especially to Whizzkid001 as we have shared many a long conversation as our cases went parallel with one another (and so did Abbey's reponses spookily - literally often within minutes of each other), to Seminole for coming to my Court Hearing, Bankfodder for his wise words of wisdom and of course ALL OF YOU who have offered words of support (it sounds a bit like the Oscars!!).

 

Apart from winning, it is with great satisfaction that i have just spent the last 20 minutes phoning all those doubters that i know who didn't believe it possible!! I think that there will be a couple of new members coming our way!!!

 

See you all around the forum!

 

On with the next ones now........

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superb and well done inspiration to us all especially the thousands of new members....

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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Well done Neil - both you and Chris 100%. I'm really pleased for you both.

 

Who will be next, I wonder?

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Grrrrrrrrrrrrrrrrrrrrrrrreat news neil.

 

Another success story to join the daily growing number

 

CONGRATULATIONS.

 

 

To all the newbies too .....take some assurances from these results and keep at it .

 

:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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congratz!! make me feel a little less nervous now, lets hope whizz's court case was a sign to them that the law won't stand for it and that they will pay up WITHOUT it getting that far :)

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Oh this is all so exciting. I was really nervous about the prospect of going to court, but after yours and Whizzy's experiences I am ready. Ok I'm not with Abbey, but:

Let Battle Commence!:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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To Neil and Whizzy - this was a long slog, but holding out paid off. Well done the pair of you! :)

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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A lot of people have been watching this and whizzys thread and have been holding their breath....

 

deep sigh

 

 

WELL DONE to everyone involved - we are all mightily proud of you.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Brilliant news Neil...Congratulations !!!!

Jamloo

__________________________________________________

Abbey - Data Protection Act Disclosure Request Sent 03/04/2006 - 40 day limit was 13th May.

9th June 2003 to 9th April 2004 Statements We Have - Total Charges = £1,420.00 :o

18th February 2005 to 18th March 2006 Statements Received - Total Charges = £3,177.00 :o

Still awaiting remaining statements.:evil: (as of 25th June)

Request for Repayment Letter Sent Recorded Delivery 02/06/2006 - 14 day limit is 16th June. Requesting £4,597.00

Letter Before Action Sent Recorded Delivery 22/06/2006 - 14 day limit is 6th July. Requesting £4,597.00

 

Capital One (Part 1) -

Request for Repayment Letter Sent Recorded Delivery 26/06/2006 - 14 day limit is 10th July. Requesting £359.22

 

Letter Before Action Sent Recorded Delivery 24/07/2006 - 14 day limit is 7th August. Requesting £359.22

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wow!!!...what a gripping read...

 

I am very very pleased for you Neil!!!! Many congratulations :o)

 

Oh dear...its all SO scary though, and Ive only just begun!!!!

 

Debbie

SENT Data Protection Act request letter + £10 fee

Posted:8 June 06 :p (nxt day special delivery)

1st response FROM Abbey (using microfiche arguement + ignoring Data Protection Act request)

Received:17 June 06 (no statements yet)

SENT Microfiche arguement letter (insisting on my original Data Protection Act request)

Posted:19 June 06 :p (nxt day special delivery)

14 statements received FROM Abbey

Received:22 June 06

Statements covering period:20 March 05-20 May 06

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Don't be Debbie, as Neil & everyone else will tell you - it's what they want, to scare you off & frustrate you from claiming what's rightfully yours! Just read the FAQ's & other peoples threads, don't let them intimidate or bully you!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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