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    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
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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

Well - I've started the action! Me vs Halifax!****WON****


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The next thing you will get is the Acknowledgement telling you that they are going to defend all of the claim. Don't panic - this is normal. Start reading up on the next stage so you are always one step ahead.

 

Good luck

 

JW

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Good luck Jazz. It looks like we're at same stage.

I'll be watching with interest to see how you get on.

 

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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Received notice of Issue this morning!

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Youre at exactly the same point as me mine was deemed served on the 19th and they have until the 4th of june to acknowledge

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All prepared fro next stage - got AQ forms downloaded for rough copies (notes made all over them).

 

Printed off "Allocation Questionnaires - A guide to completion."

 

Printed off "Guide to the new AQ Strategy"

 

Prepared my supporting documents (3 copies of each):

 

Printed off 3 copies of 3 letters from online banking where they indicate the fee is "to cover our costs".

 

Copied (x3) the letter from the bank with the lists of charges they have applied in relation to my S.A.R. request!

 

Ready to roll halifax - come and get me!!!!!!!!!

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  • 2 weeks later...

Had an interesting chat today with a Laura Beatty of Halifax Customer Relations.

 

She said they are currently working on 10th May but when they get to mine I WILL receive a refund of the charges, plus interest, plus court costs!

 

I was told to expect it some time next week!

 

We'll see........

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Had an interesting chat today with a Laura Beatty of Halifax Customer Relations.

 

She said they are currently working on 10th May but when they get to mine I WILL receive a refund of the charges, plus interest, plus court costs!

 

I was told to expect it some time next week!

 

We'll see........

 

I had a chat with Laura today as well!! However she was not so nice to me - she said they had already offered me what they think I am owed and Halifax to not refund overdraft interest (this is the part of my claim they have not refunded). She said Halifax will defend this!

 

Funny how so many other people get their Halifax overdraft interest refunded!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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how much overdraft int do they owe you chop?

 

Well, they refunded all my charges and calculated their own approximate interest on the charges - of course this did not match my calculations!

 

They still owe me about £400, but that is made up of o/d interest and the 8% interest.

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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Can someone advise me so I'm sure? If the bank have not looked at the paperwork and thus filed a defence by the date the court says they have to respond does that mean I can push for Judgement on that date?

 

My case file is :

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Therefore can I push for judgement on 4th if they haven't acknowledged claim and stated they intend to defend to the court?

 

Notice of issue doesn't entirely make that clear!

 

Ta muchly!

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did they threaten to defend the OD interest yes you said they did, dont understand them not paying the stat int they must if you,ve filed surely?

 

Well, to be honest I am not sure how they have worked it out. They made 2 payments to my account, 1 was the charges in full, the other was approximate interest they had calculated - they have not specified what interest it is. I need to phone Laura again really and find out what interest it is.

 

Either way you look at it the payment was 400 uid short of what I was claiming so I will continue with the claim.

 

Time will tell!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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Can someone advise me so I'm sure? If the bank have not looked at the paperwork and thus filed a defence by the date the court says they have to respond does that mean I can push for Judgement on that date?

 

My case file is :

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Therefore can I push for judgement on 4th if they haven't acknowledged claim and stated they intend to defend to the court?

 

Notice of issue doesn't entirely make that clear!

 

Ta muchly!

 

 

Hiya,

 

Phone the court on the 5th June and if they haven't acknoweldged your claim then yes you can file for judgement. The likelihood is they will acknowledge, this will give them a further 14 days to file a defence (total of 28 days from the served date). Then, if they don't file a defence in those 28 days on the 29th day you can file for judgement.

 

Hope this makes sense.

 

Good luck!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

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Hi Jazz

 

Halifax had until 6th June to reply and I have now received confirmation that they have acknowledged the claim. They now have until 20th June to do something else - like pay me my money, would be good!!!!!

 

Good luck, Debbie

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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  • 2 weeks later...

Hi Jazz

Haven't heard from you in a while. Just wondered if all going ok?

I'm still waiting to hear.......although there is a registered delivery letter waiting to be signed for by me at the Post Office!! Don't know if that's something to do with it all......

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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Hi Jazz

I know you can't read this yet, but that is FANTASTIC news......

 

and guess what???????!!!!

 

I won today too......the full amount deposited into my account this morning!!!

 

WELL DONE TO US, and hope your hol was brill!!!!!!!

 

See you when you're home.

 

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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Hi all.

 

I'm back!!

 

Well done deb - congratulations on your win too!

 

keep going all those that are losing hope - you will win in the end!

 

Jazz

 

P.S. Could the mods do the necessary please to show another win??

 

Ta!

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Congratulations!!!

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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