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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 
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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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twillardo v HBOS. Bank Accounts


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Hello All.

 

As I have my statements going back many years, I have prepared 2 Prelim. letters for two accounts going back 6 years.

 

Account 1. Charges £652.00 + interest

 

Account 2. Charges £516.00 + interest

 

Reading the FAQ's I understand that I claim for the initial charges of £652.00 & £516.00 respectively plus the Interest which I have not yet worked out, I then add the interest @ 8% if it goes to court.

Should I submit as two seperate claims or combine the two together?

Also, is it better to send claims if the registered office is in England.

 

What I am asking may seem a bit silly, but I am new to this and not quite sure after reading some of the threads.

Would appreciate any help given.

 

Thanks Again, twillardo. :|

 

Prelim letter awaiting completion.

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Hi All. :rolleyes:

Just received today the 19th April 2007, the bog standard heal dragging letter from the Bank of Scotland responding to my Prelim letter asking them to refund the charges against my account's "Complaint handling rules by the FSA and the 8 week investigation period blah blah blah", address on the letter for reference is,

 

Bank of Scotland

Customer Relations

PO Box 29112

Dunfermline

KY11 2ZX

 

The 14 day expiry date for the Prelim letter is the 19th April 2007, LBA letter ready to be sent on Monday 23th April 2007.

 

06.04.07 Prelim letter sent.

19.04.07 Response form BoS, investigating claim.

 

 

Thanks to all who have handed us the power and information to take them on. :)

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Hello All :)

 

There seems to be lot of addresses for the Bank of Scotland, I submitted the Prelim letter to my branch hoping it would be redirected to the relevant department, seems to have been successful, received a response from the address below notifying me of their investigation which can take up to 8 weeks, has anyone used this address to any degree of satisfaction, LBA ready to be sent but would just like confirmation this address is OK.

 

Bank of Scotland

Customer Relations

PO Box 29112

Dunfermline

KY11 2ZX

 

Thanks :wink:

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  • 3 weeks later...

Hello All :)

 

No response from Bank of Scotland, sent LBA letter on the 25th April 2007 and now await a response!

 

06.04.07 Prelim letter sent.

19.04.07 Response from BoS, investigating claim.

25.04.07 Letter Before Action sent.

 

How long do you normally wait after sending the LBA, and what would be the next course of action :?:

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Thanks :smile:

 

Will now read up on this part, all quite new to this so there is the uncertainty factor, but due to this site and the information available the help and guidance is excellent and reassuring.

 

I have read through the FAQ's and various threads and would appreciate some advice, I take it this is where I prepare the court bundle, also do I add the 8% now and also the wasted costs :?:

 

I have submitted two claims £1,117.03 and £961.90, this includes Interest, not added the 8% yet and this will bump up the claim!, I will be going down the Summary Cause road due to the £750.00 Max. Small Claim's in Scotland. Do I submit under one action or as two seperate actions:?:

 

Quite a lot here, appreciate the help and advice given.

 

Thanks.

 

06.04.07 Prelim letter sent.

19.04.07 Respnse from BoS, investigating claim.

25.04.07 LBA letter sent.

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Hello All :)

 

Received Saturday 13th May 2007, a response from the Bank of Scotland:

 

"Dear Mr ........

 

Further to our letter of the 18th April 2007. I'm sorry that you have not yet had a full response to your concerns.

 

We're still investigating your complaint, and you will receive a response from us as soon as possible, but certainly no later than 14th June 2007.

 

Our complaints leaflet, which we sent to you previously, explains how we will handle your complaint."

 

I will be taking sea-sidelady's advice and starting court proceeding's Monday 14th May 2007 at the local Sherrif Court.

 

06.04.07 Prelim letter sent.

19.04.07 Response from BoS, Investigating claim.

25.04.07 LBA sent.

13.05.07 Response from Bos, still investigating claim.

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  • 3 weeks later...

Hello :)

 

Received 30th May 2007 response from Bank of Scotland.

 

"Thank you for your recent complaint about the charges which have been applied to your account. I am sorry you are unhappy.

 

Our Investigation

I have carried out an investigation of your complaint and I am satisfied that the charges have been correctly applied to your account. This letter explains the reasons behind my decision.

 

We apply these charges because when customers have insufficient funds in their account to cover a payment they have asked us to make , this means additional work for us. As a result, we feel it is reasonable to charge for this service.

 

So on, so on, so on.

 

Outcome

I am sorry to advise you I am declining your complaint. I hope I have explained the reasons for my decision."

 

Response as expected, will send my response asking for a breakdown of the "Additional work for us" part. I know already what the response will be and see this as further ammunition for the court process, as they will not disclose the breakdown of the costs. Quote in their letter "we feel it is reasonable to charge for this service", sure I read somewhere on the site a thread regarding service charges?

 

Can anyone offer advice on any of the above, and is this is the way to go :confused:

Been on holiday hence the time delay.

 

06.04.07 Prelim letter sent asking to refund bank account charges.

19.04.07 Response from BoS, investigating complaint.

25.04.07 LBA sent.

13.05.07 Response from BoS, still investigating complaint.

30.05.07 Response from BoS, complaint declined.

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Hello :)

 

Further to Dusary recommending the FOS route, does anyone have any information on how this works?

Also is there a template letter for outright claim rejections?

 

:?: :?:

 

Any info would be appreciated.

 

06.04.07 Prlim Letter sent.

19.04.07 Response from BoS, investigating complaint.

25.04.07 LBA sent

13.05.07 Response No.2 from Bos, still investigating complaint

30.05.07 Response No.3 from BoS, complaint rejected.

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Thanks Again Dusary :)

 

Had a look at the complaints procedure for the FOS and see this is as yet another way to go before court action. Contacted the FOS and they are very busy at the moment, I wonder why ;). Informed that I complete a complaint's form downloaded from the FOS site and submit any other relevant details. General opinion from the FOS seems that once they have asked the bank for a breakdown of the cost to return an item, the information is not forthcoming and they settle without giving up the information. This seems to be quite a successful route, but time will tell. Letter of complaint to the FOS ready for posting and I await a reply.

 

Regarding the interest and costs part, I have to await the FOS complaint's procedure to be completed.

 

Financial Ombudsman Service

 

06.04.07 Prelim Letter sent.

19.04.07 Response from BoS, investigating complaint.

25.04.07 LBA sent

13.05.07 Response No.2 from BoS, still investigating complaint

30.05.07 Response No.3 from BoS, complaint declined.

06.06.07 Letter of complaint sent to the FOS.

 

:wink: :wink: :wink:

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Hi Kenny :)

 

When I spoke to the FOS they did say if you are the sole account holder use the one claim form for multiple accounts if it is for the one institution. Not sure about this point as I have yet to submit the form, I currently have two claims with BoS running and put them on the one form, the FOS did say if there were any problems with the form they will be in touch?

If it is for a joint account you can use the FOS, because of Data Protection the form does contain a section for joint complaints for both parties to sign.

 

Read what chocolatte had to say regarding the FOS, maybe the time it takes is due to the demand as they did say they are snowed under with complaints. The moneysavingexpert site in there latest newsletter is now recommending this route, maybe this is lengthening the time scale.

 

I have read elsewhere on various threads that other claimants are using the "until service" part in correspondence, this is for until a final settlement figure is received and accepted, better to ask around as I am not to sure about this.

 

Hope this is some help, if not please reply and I will try and help :wink:

 

Further to my claim with the Bank of Scotland, I called the Customer Relations Dept. in Dunfermline 07/06/07 after receiving the complaint declined letter, they were very helpful and are re-evaluating my claim, did say that the declined letter is not final?

 

06.04.07 Prelim Letter sent.

19.04.07 Response from BoS, investigating complaint.

25.04.07 LBA sent

13.05.07 Response No.2 from BoS, still investigating complaint

30.05.07 Response No.3 from BoS, complaint declined.

07.06.07 Called the bank and they are re-evaluating claim.

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