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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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Help, so confused


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Hello all

 

Im a newbie and have read many threads on this site, my head is hurting...

 

Can anybody help me, I have written to Lloyds asking for my charges back and they have said 'on yer bike' in a fashion.

 

I now wish to write back asking for my charges + interest, not the 8%. I am willing to go all the way with lloyds its just that I am so confused.

 

The thing that I am confused with is I have been charged many overdraft excess fees of £30.00. Because this is a one off fee and not a daily interest rate I'm not sure how to calculate interest on it. would it just be 29% from the day I paid it until to date.

 

Any help appreciated, I think I have just suffered an information overload.

 

Thank you

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Hello all

 

Im a newbie and have read many threads on this site, my head is hurting...

 

Can anybody help me, I have written to Lloyds asking for my charges back and they have said 'on yer bike' in a fashion.

 

I now wish to write back asking for my charges + interest, not the 8%. I am willing to go all the way with lloyds its just that I am so confused.

 

The thing that I am confused with is I have been charged many overdraft excess fees of £30.00. Because this is a one off fee and not a daily interest rate I'm not sure how to calculate interest on it. would it just be 29% from the day I paid it until to date.

 

Any help appreciated, I think I have just suffered an information overload.

 

Thank you

 

Hi ok I think you wish to claim the contractual interest rate? Please be aware that this is more complicated. You need to include this interest from the initail letter.

You calculate the interest from the date the took the charge upto the date they settle. The spreadsheet will calculate this for you.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

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Thank you, I have opened the spread sheet and will try and get my head around it... I am so angry at lloyds as I had a charge of £30.00 put on my account in January for been o/d from Friday to Monday. The nearest bank to me that I could use on a Saturday is 2 bus rides away. I telephoned to advise them of this and asked for the charge to be removed they said no the charges are in my t&c's. So I am now hoping to get every penny clawed back

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Thank you, I have opened the spread sheet and will try and get my head around it... I am so angry at lloyds as I had a charge of £30.00 put on my account in January for been o/d from Friday to Monday. The nearest bank to me that I could use on a Saturday is 2 bus rides away. I telephoned to advise them of this and asked for the charge to be removed they said no the charges are in my t&c's. So I am now hoping to get every penny clawed back

Thats the spirit! :D

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OK, so I am looking at Vampiress spreadsheet..I think I have got it, but can anybody help me with this question..

 

LLoyds tsb charge £30.00 per day in excess fees up to £90.00 each month, however, their unauthorised rate is 29.8.

 

Do I change the spreadsheet from 8% to 29.8 if so what does the £30.00 per day mean...

 

Sorry, if this doe'snt make sense. It's just that I dont want my LBA to be laughed at by the bank...

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Hello, thank you for getting back to me, I did say I was confused:)

 

I am in the process of doing my LBA. I am wanting to claim contractual interest at 29.8% apr which i believe is LTSB'S unauthorised overdraft rate.

 

I think I know what I am doing now. I am multiplying each transaction by 29.8% i.e a £20.00 charge dated 13/01/2002 = £[email protected]% / 365 = .0163287 x days outstanding to the date of my letter, I will then increase the days to the date of the court claim.

 

Am I on the right track here..I hope so.....

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Have you thoroughly researched CI? If not then please do before you claim it. Its a very contentious issue and unfortunately the principles upon which it is based are legally unsubstantiated. There are risks involved. You need to know your arguements in relation to the implied term principle and be confident that you could put them to a judge.

 

Unless you're 100% confident, then personally I would advise that you stick with the 8%.

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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Also read RedDeath treads - a very good debate about the pro's and con's 0f claiming CI

 

Wow, thank you!

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Hello again

 

I have sent a SAR letter to LLoyds Trustcard (credit card), which was recieved on the 23 Feb 07. I called them as I have not received my statements and they said they would be with me within 10 working days (blah,blah,blah). I then called the Financial Services Ombudsmen and made a complaint regarding this, I have received a copy of the letter they have sent to Lloyds.

 

Whilst speaking to them I asked if any action would be taken against them as they have clearly broken the 40 day timescale, they replied with 'LTSB are inundated with SAR requests at the moment and the FSO are told they are doing all they can to eliminate the problem'. I asked 'If they (LTSB) do not have the man power to deal with the situation is this not where the FSO should step in and investigate the matter further' FSO replied 'Only if this is continuous and customers have not had a response within 8 weeks of LTSB receiving the FSO complaint on the customers behalf'.

 

:rolleyes: Conclusion...will not be asking FSO for any further help once statements received....

 

My question today is I have 2 accts with LTSB bank and 1 LTSB credit card. The LBA is nearly up with the bank and as above I am awaiting statements from LTSB credit card. I know from reading this forum that I will be dragging 'the dark horse' through the courts, .......NEARLY TO THE POINT....will I be able to file all 3 accts together at MCOL.

 

Any advice.....

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icon6.gif Lloyds SAR request beyond 40 days

Hello again

 

I have sent a SAR letter to LLoyds Trustcard (credit card), which was recieved on the 23 Feb 07. I called them as I have not received my statements and they said they would be with me within 10 working days (blah,blah,blah). I then called the Financial Services Ombudsmen and made a complaint regarding this, I have received a copy of the letter they have sent to Lloyds.

 

Whilst speaking to them I asked if any action would be taken against them as they have clearly broken the 40 day timescale, they replied with 'LTSB are inundated with SAR requests at the moment and the FSO are told they are doing all they can to eliminate the problem'. I asked 'If they (LTSB) do not have the man power to deal with the situation is this not where the FSO should step in and investigate the matter further' FSO replied 'Only if this is continuous and customers have not had a response within 8 weeks of LTSB receiving the FSO complaint on the customers behalf'.

 

:rolleyes: Conclusion...will not be asking FSO for any further help once statements received....

 

My question today is I have 2 accts with LTSB bank and 1 LTSB credit card. The LBA is nearly up with the bank and as above I am awaiting statements from LTSB credit card. I know from reading this forum that I will be dragging 'the dark horse' through the courts, .......NEARLY TO THE POINT....will I be able to file all 3 accts together at MCOL.

 

Any advice.....

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You can combine claims into one if all a/c's are in your name, none are business a/c's and they total less than £5000.

 

I would recommend using N1 rather than MCOL since it's unlikely you'll be able to get the 3 a/c no's and the POC's into the small sspace allowed at MCOL + you won't be able to attach the 3 schedules. In the long run it'll make the claim less hassle.

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You can combine claims into one if all a/c's are in your name, none are business a/c's and they total less than £5000.

 

What happens if the claim is above £5000?

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Hi

 

I have 3 accts with lloyds that I wish to dispute, 2xbank accts and 1 x c/card acct. I have been waiting forever for the c/card statements and complained to the oft as the timescale is well passed 40 days. In the meantime I have got as far as sending my LBA letter to Lloyds (sent 27/03/07) and had no response. Before this I had the standard bogg off letter to my first letter.

 

I am now wanting to file at court but I want to claim contractual Interest, would this be ok to do or would I have to start the whole procedure again and include the contractual charges.

 

Thanks

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Hi

You might struggle for space using MCOL with 2 accounts.

This link should help you with the N1 form:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Good luck, let us know how you go on.

Barty:)

 

 

 

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html I WON!!!!:D :D

If I have helped, please click my scales:)

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I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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:confused: Hi I have handed in my N1 today at Leeds county court, I did not use MCOL as did'nt want to get caught out with the space limitations.

 

I spoke to a very helpful but young gent, who advised me I need all supporting docs, I said that I only need the N1 and my sched of charges as the rest of Docs will be requested in 2-3 weeks. He then took the N1 and sched of my charges x 3 (no letters, etc) and then said to wait a week for a case number then I will receive a case date.

 

As helpful as he was I am a little confused as to what happens next and what the usual timescale is for a court date (he said 2 weeks then 2 weeks for a defence by Lloyds. I have the court bundle printed off and the OFT statement.

 

Can anybody advise me, by the way I used Gresham st as the registered address.

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Hi I have filed my N1 today at Leeds County Court (3xN1 + 3 X sched of charges.

 

I understand from the very knowledgeable Barty that my claim will be filed in 5 days and LTSB have 28 days from the date of my claim to file a defence (I should be sending docsa in in appx 19 days . Does this mean I will have a court date in 28 days. If not has anybody got an approximate timescale for when Leeds County Court will set a hearing, (and will it be in Leeds)

 

Thank you.:-|

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Very hard to say - depends on a number of things - not least of which is the number of cases turning up in your local court - unfortunately (and you will probably be aware of this) Lloyds will drag this out to the bitter end. Wouldn't be too worried about when it happens more about being prepared for it when it comes - good luck with your claim - keep us posted.

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