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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
        • Like

CAGisforME v Barclays **BOTH WON!!!**


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Well, fingers crossed! ;)

 

I had all my statements, so I went through them and found:

 

Account 1: £435 Charges

Account 2: £475 Charges

 

I have sent my Prelim. Requests today, recorded delivery.

 

 

Wish me luck!!!:D

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Good luck!

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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if you have sent in your request with reference to TWO account numbers, make sure you ALWAYS state the two numbers in ALL correspondence with Barclays, they will reply referring to only one.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Thanks Chorlton!

 

Thanks dar3n Good Tip!

 

:D

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Share on other sites

  • 2 weeks later...

Well, I've had a response.

 

As predicted by dar3n I've only had ONE letter, despite sending TWO prelims.

 

It only has ONE reference number on it (which doesn't resemble either of my account numbers) and doesn't refer to either account number either.

 

They tell me that they are very sorry I've had cause to complain (yawn) and that they will respond within 28 days.

 

Having given them 14 days in my letter (sent recorded delivery on 26th March) should I :

 

1. Wait until their 28 days are up?

2. Wait until the 14 days I gave them are up?

 

before taking it further?

 

and what do I do next if it's option 2? As this will be the end of next week?

 

Thanks for everyone's time. :D

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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CAG4ME,

If YOUR deadline is 14 days, then stick to that, these are your rules now, not theirs.

The only comms you will get from them now is a pathetic excuse of an offer.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Thanks for that dar3n

 

That's what I thought.... I'll work on it being 14 working days from 27th, which is when they received my prelims.

 

19th April it is then.

 

One of these accounts is a Barclays Bank Account for Staff, by the way, so this could be VERY interesting......

 

Friends who are involved in this from the Bank's point of view tell me that most claims under £500 are being settled now, once they are convinced that you aren't going away.

 

We shall see! ;)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Thanks for that dar3n

 

 

Friends who are involved in this from the Bank's point of view tell me that most claims under £500 are being settled now, once they are convinced that you aren't going away.

 

We shall see! ;)

 

im on my third claim with barclays last one £345! and its not settled so will have to issue court claim.

 

you can never tell with barclays.

 

in their defence though :rolleyes: litigation are very pleasant and professional to deal with. ;)

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Well, that's their 14 days been and gone.

 

Not a peep, other than their "We are sorry you have had cause to complain" (They WILL be! :D)

 

So, LBAs being prepared now.

 

Still can't wait to see if they treat this differently, as one of the accounts is a Barclays Account For Staff! :p

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Share on other sites

  • 2 weeks later...

Wey Hey!!!!!!!!!!!!!!!

 

(Almost ready for a big red ****WON**** next to my thread title)

 

£435 dropped into my account this morning with the marker "GOODWILL GESTURE" and "CUSTOMER RELATIONS" next to it.

 

So I have WON one of the claims.

 

Strangely, I have had NO correspondence whatsoever since I sent my LBA on BOTH accounts.

 

Here's where it may get VERY interesting as it's my STAFF ACCOUNT that they have NOT refunded! Hey ho.

 

Court Claim should start Wednesday on that one, so I will give them a few days and then hit them.

 

:D

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Share on other sites

Oh I am so chuffed.

 

(Sorry to go on - but with Barclays still, officially, being my employer I was preparing for a fight!)

 

OH is laughing at me as I am grinning from ear to ear!

 

Just the "staff account" to deal with now.........

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Share on other sites

having won my first claim i started another one for charges incurred while the claim was ongoing.

had a letter today from a mr singh at customer relations explaining that as my first claim was paid as a gesture of goodwill (over £4000) he has decided not to settle my new claim for £150 and i should consider banking elsewhere.

un beee lievably he describes himself as a customer relations advisor.

christ what a way to run a company . if i employed him and he treated my customers in this way he would be fired monday morning , but we are talking banking companies here , the left hand doesn't know what the right is doing.

i have a lovely letter all printed off which is being sent to mr singh and also his employer john varley chief executive of barclays hehe nothing against the guy mind just the way his company is run:rolleyes: and i think i'll open a new account or maybe shove me money under the matress , it'll be safer there;) .

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Yes, we do. :p

 

We get charged the same rate as the customers, despite the fact that we have to also bleed a strange shade of blue when cut, AND we stand a fair chance of getting collared by senior staff and getting "told off" for being overdrawn etc.

 

Not that our own banking affairs are private or anything. ;)

 

(As a Manager I was expected to do this should a member of staff's account get into trouble!)

 

Actually I suspect the other one, on the staff account (soon not to be a staff account anymore) will be the one that they fight me on. Both claims were started at the same time. The LBA letter went in the same envelope, yet they've paid one and not the other.

 

I am eagerly awaiting Monday's post to see what transpires.

 

 

;)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Share on other sites

:D Cheers Bookworm! :D

 

See? I'm still grinning!

 

Me and OH are taking the kids out for a celebratory meal tonight.

 

Have phoned all and sundry to tell them to get claiming because it DOES work. Have sent countless links to this site to everyone i know!

 

I'll be sorting out my donation to the site tomorrow. When I have recovered from the hangover that I fully expect to have tomorrow morning! ;)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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how's the head this morning then? :(

 

hope you enjoyed your celebration.

 

It's interesting what you say about the 2 account thing. I have 2 accounts, and amalgamated my claim. Barclays have made me an offer, which appears to only correspond with 1 account. The other account, according to a helpful lady on the phone, shows no record of any claim or dispute against it! would you like to guess which account has the highest level of charges......?:p

 

I wrote back to them for clarification, but have had no response yet.

 

I'm going to file in court on Tuesday.

 

:D :D :D

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;) Head not as bad as I thought it was when I woke up!

 

Mmmm *strokes imaginary beard* very interesting OOAK. I have kept my letters pertaining to each account separate, but, saved money by sending them in the same envelope.

 

I didn't need to do an SAR, but the prelims went together. I received two letters back with the "we are sorry you have had cause to complain" garbage. One for each account.

 

I stuck to my timetable and wasn't really expecting an offer (remember, as I was/am (hopefully not for much longer) a member of staff, so I KNOW how they treat people!) on either account, so stuck in the LBAs on 16/4.

 

Monday's post may reveal all, it may not.

 

I haven't received ANY correspondence with regard to the £435 they deposited and if they claim it's their final offer then I shall continue and state that they have settled one claim, but the other isn't satisfied.

 

Good Luck with your case. :D I shall subscribe later - when I've had some COFFEE!!!!!!!!!

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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An update 7 a Question!

 

Update:

 

Letter received today, dated Saturday, stating "whilst they don't agree with me" (TOUGH!!) they have credited my account for the full sum on Ordinary Barclays Bank Account. - This is the sum I spotted on Friday.

 

Letter Pertains ONLY to this account, under it's separate reference number.

 

So ***WON***

 

Question:

 

There has been not a word on the other account (LBA letter went in same envelope as that for above account).

 

Should I give "Customer Relations" a ring quoting the OTHER reference number and ask what's occurring? Or shall I just proceed to Claim now, as they have had their 14 days on this one. This is the STAFF Account. The one i had a feeling they would fight me on!

 

I'd be grateful for opinions.

 

:)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Yeh get onto them stating your dispute and if they dont get their finger out you will carry on regardless.

As they have already had their time to respond you are entitled to start proceedings straight away.

 

Hmmm payment in full?, I wonder if theyre beginning to realise their pay outs are mounting up here and decided to cut their losses and admit defeat.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Thanks Dar£n

 

I'll give the guy who paid up on the first account a call tomorrow and see if I can get them to pay up on the staff account too!

 

If not then MCOL for me!

 

Yes, payment in full, after only Pre-lim and LBA! I'm sure I said on this thread earlier (or poss another) that I'd heard "on the grapevine" as it were ;) that claims for less than £500 were being paid out.

 

We shall see...*strokes imaginary beard*

 

:)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Share on other sites

Pleased I called them :D

 

I spoke with Customer Relations and the chap checked my details.

 

It would appear that BOTH accounts were marked up as "settled", but he delved further and then checked the letters I had been sent.

 

The letter received by me after my pre-lim on this account promised me a response by 27th April (I hadn't spotted that!), so he has referred it again and told me that. due to the amount it was likely to be paid, but i would have a definate response in writing within a week.

 

I have therefore told him that I will wait until this time next week and then I will Claim using MCOL without further notice.

 

He told me that the department that are dealing with these claims are "swamped" (Awwww, diddums!!) but they are TRYING to resolve the smaller claims within the timescale.

 

Guess it's down to patience for a week now. However, given that they coughed up for Account 1 without a murmour I am feeling more confident this one will be settled without hassle too.

 

We shall see............................

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Having decided to be a thorm in their sides over this unsettled account I rang again today.

 

It would appear that when they settled the first (non-staff) account the muppets closed the "case" as "settled", without bothering to check if there were any further outstanding complaints.

 

(This is a the slight advantage to being almost ex-staff, as the advisor was a little more forthcoming than perhaps she would normally be!)

 

The case for the unsettled account has now been re-opened and passed to the "relevant department".

 

I have given them 7days from today and then i will start a Claim, as their intentions will be obvious by then one way or the other! ;)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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  • 2 weeks later...

Well, having had a decidedly "frosty" conversation with a young man in Customer Relations, who basically told me that I had been paid for one and had "no chance" of getting the bank to pay the second, it looks like I will have to enter in to Court Action.

 

I will start my claim today.

 

If anyone has any hints/tips I'd be grateful.

 

I'm still "officially" staff, so this should be interesting. I am, however, complaining as a customer, so we will see if they treat me the same as everyone else, or, as is the norm, worse!!

 

;)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Hope you got his name so you can drop him a line when you get your second lot of money back!! ;)

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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