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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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Mikey H v Natwest Bank **WON**


Mike H
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Hello fellow bank charge haters....

 

I've just started getting my statments through after sending out the first letter which is good as it seems thay owe 1k without interest added after 2 just years on one account alone!!

 

Once i've worked out what they owe i'll go "gun hoe" to get it back... They are quite cheeky in the way they send every statement so you have to traul through them hey??

 

The very best of luck to everyone on this forum and i would like to thank you all for your help in advance as no doubt i'll be calling on you soon..

 

My first post complete.. :D

 

Thanks again guys

 

Mike

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Hey Mike............ welcome on board the nat west forum!!!! Best advice I can give you is to read as much as you possibly can while you're waiting for your statements to come through.......... forewarned is forearmed so to speak!!!

 

Let us know how you get on when you've got your statements ready........... and if you ever get stuck or you want some support, just post on this thread - there's always somebody around to help out!!

 

Good luck, hedgey xxx :D

Can't find what you're looking for? Please have a look at Michael Browne's

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Call on us all ya like. We shall be here to answer the call. But read read read and read some more if you can spare the time. It will serve you very very well later on, once your claim is under way proper.

 

All the very very very best and keep your chin up. It can sink a bit during this process from time to time. Fendy xxxxxx:p

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Hello guys!

 

I can't seem to find the calculator for interest on my charges anywhere, i have my statements and i'm ready to go... Almost :confused:

 

Thanks

 

Mikey

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Enter your charge details into one of the spreadsheets from the templates library, this will act as your schedule of charges and a copy of which should be sent with all letters. The spreadsheet will calculate the interest for you.

 

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

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 2 weeks later...

Hello everyone..

 

I'm about to send my initial approach for repayment letter... If i have a default charges on my account, does that mean its against my equifax/expirian credit search given that this is in the template letter???

 

"Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable."

 

Cheers peeps!!

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

Hello everyone!!

 

Well thats it!! All the time has passed and no response so its time to go to court!!!

 

Is it usual that there is no response AT ALL...? i take it ot's their way of hoping we 'Go away!'...

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I haven't had any response at all to either my prelim or LBA so I shouldn't be too deterred by this.

NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08

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Nat West, or any bank for that matter, take the view that if they ignore these requests then, as Mike says, they hope that we will all go away.

 

Fat chance!!

 

Stick with the claims guys

PPMAN159

 

If this comment has helped please click on the scales.

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  • 1 month later...

HELLO EVERY ONE!!!

 

BANK CHARGES HAVE BEEN RECLAIMED IN FULL!! £2077 into my account....

 

What do i do with this thread....

 

But far more importantly... A HUGE HUGE "Thank you!!!!!!" to everyone for your help!! Your site is great and its been much appreciated!!

 

Mikey :D

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CONGRATULATIONS!!!!

Enjoy your winnings!!! :D :D :D

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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  • 1 month later...
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