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    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which basically says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
    • where was this PCN:? please complete: pers i cant see the point in an sar yet await/if they ever send a letter of claim. as long as you've not moved since 2022 you are OK to totally ignore . dx  
    • ah this is a B2B PCP then as your are sending the SAR as a private individual and not as repping the co. you need to prove to them. unfortunately, i think that will also reset the 30 days. dx
    • Customers who opened HSBC's one-year fixed rate Isa say they have been unable to see the new Isa they opened or the money they transferred in.View the full article
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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 
      • 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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I also have a date for the 15th Aug must be a hat trick!!!!

 

Where is your hearing? manchester anywhere. Dont know about you? But i am frigtened Getting every thing together is going to be a nightmare.Specially when you dont know what your doing.

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I am at Chester - at least we have a bit of time to get it all together. Have you looked at the Got a Court date thread on this site as it seems to go through everything step by step. I am sure it will all go ok, just use the time to understand what you can and prepare - but from all the other results nobody seems to have got as far as court. Are you at the court in Manchester...:)

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I am at Chester - at least we have a bit of time to get it all together. Have you looked at the Got a Court date thread on this site as it seems to go through everything step by step. I am sure it will all go ok, just use the time to understand what you can and prepare - but from all the other results nobody seems to have got as far as court. Are you at the court in Manchester...:)

 

Thanks i will have a look at that.

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Hi maggie, dont think we need copies of the N1 or the AQ I hope not as I dont have copies either, sure someone will tell us. I think we just need the basic court bundle and any more info to use as evidence such as the OFT report and the parliament early day motion. I think it can all be found on the GOT a COURT DATE page. We can only prepare as best we can and keep fingers crossed. Sure it will all be worth it in the end ££££.

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  • 3 weeks later...
  • 3 weeks later...

My court date is 15 august.I havent heard a thing from yorkshire bank.Whats going on? I havent done my bundle yet.But i notice something to do with litigation!Whats this all about? Not to sure.:???:

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I am flapping now its so close to court date 15 august.i aint got a clue what to do about this court bundle.My head is up my backside.Worring about this court date.I need to sort this out before its to late.Can anyone point me in the right direction for a court bundle.Which is simple.For a simple person.Please! please!:???:

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I also have a date for the 15th Aug must be a hat trick!!!!
Hi georgieboy.Have you heard anything yet?I havent heard a thing.Got a bit stuck on this court bundle bit.Its doing my head in.I dont know where to start.What to print off etc.Iam getting really fed up with it all now.
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No not heard a dickiebird but don't really expect to till the very last minute or even on the steps of the court!! Just about sorted the bundle out and hope to send that off this weekend probably cost a fortune to post. Keep your chin up nearly there all the hard work has been done - at times it has been a bit daunting but the folk here have been fantastic;) ..

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What do i do about the interest thats accrue at 49p per day untill settlement.Do i leave this untill the day of the court?Or add this on?Not to sure how much this is? Since 23/04/07Are you any good at adding up? Thank you
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My courts dates the 15 august What do i do about the interest thats accrue at 49p per day untill settlement.Do i leave this untill the day of the court?Or add this on?Not to sure how much this is? Since 23/04/07Are you any good at adding up?
thank you
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I am in the middle of getting my court bundle ready.I have printed off the court bundle from this website.I have copied my statements.The letters from them.What else do i need?How do i present the file for courts. My court dates 15 august.I want to make sure i have everything right so i dont mess up.Havent heard from yorkshire bank yet.Not a thing.Please put me on the right road.Whats a litigation?Ihave seen this wrote up around the site.

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Maggie May, I have just recieved my hearing date yesterday for 25 Sept 07, Only they have given me until 1 Aug for them to receive my court bundle, a whole 6 days, that is kind of them. Anyway I am panicing a little like you. I have also printed the court bundle but am yet to read it. We both need to get hold of T&C's for Clydesdal/Yorkshire Bank. There is a library link on this site, that is under construction, which has a limited array of PDF copies of T&C's I will download the software that allowes me to read them tonight (Rapidshare or something). Also, not sure if its applicable but there is a link for a report by the OFT against the banks regarding excessive bank charges that may be useful but the one I have found is for credit card charges and I am not 100% sure if it is also applicable to Bank Charges. Let me know how things progress and if there is anything I can forward to you.

 

Regards

 

K

 

Litigation n. any lawsuit or other resort to the courts to determine a legal question or matter.

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Hi maggie just been on channel 4 news that all claims maybe suspended due to the OFT takinig the banks to court - so we may have to await the out come of that hearing. Can anybody shed any further light on the matter..:confused:

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I have emailed the OFT and HM Courts Service to find out the current impact on consumers awaiting the arrival of their hearings. I would recommend that you all compile your court bundles regardless, there is no harm in awaiting today's judgement before popping them in the post. Fingers crossed that for once the consumer will reign triumphant. Monitor OFT website and all news agencies closely today.

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I have emailed the OFT and HM Courts Service to find out the current impact on consumers awaiting the arrival of their hearings. I would recommend that you all compile your court bundles regardless, there is no harm in awaiting today's judgement before popping them in the post. Fingers crossed that for once the consumer will reign triumphant. Monitor OFT website and all news agencies closely today.

 

Clubby i havent got a clue what to do to download.I have never done it before.I went on to the rapideshare i didnt know which one to download.I am a mallet head.Sorry.I never went to school Can you tell me how to do it?Thank you.

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;) Hi to you both,

"Zootscoot" a Moderator of the Cag Site has posted a piece on the site for everyones viewing regarding the "Court Case" test , and has said that anybody that has already issued a claim to continue as normal unless you hear otherwise from court, also make sure you comply with any orders and to attend all hearings, but to be prepared in case the Courts issue a Stay pending the outcome in the High Court, which could be a lengthy process.

If you have not issued a claim yet then still stick to a timetable as before and issue your claim, as if you leave it until after the High Court Case, you may lose the right to claim some of the older charges under the "Limitations Act".

If your case then happens to be Stayed at least you will have your foot on the ladder.

 

The Test Case if Successful on the substantive issue of fairness will go on to consider issues of limitation and restitution.

the whole of the information can be found under "Consumer Forums" "OFT test case : What this means for you. ;) ;) hope this helps . Junkimunki xx

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6 threads merged. Please stick to one thread.

 

Maggie, despite the OFT test case, you must carry on preparing for court. Have all of your questions been answered now, and have you got everything you need for your bundle?

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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6 threads merged. Please stick to one thread.

 

Maggie, despite the OFT test case, you must carry on preparing for court. Have all of your questions been answered now, and have you got everything you need for your bundle?

Hello caro.I am stressing a bit.,Not to sure what i need.I have downloaded.Bookworms.court bundle for cag.My letters from bank.My letters i sent.Do i send my statements to court or list of charges? Thats all i have really.Not to sure what else to do.Mmy court cases is 15 August so i have to send all my things off to bank/court before wednesday.I have asked a couple of times for help but got no reply.How do i send it off in a folder?
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