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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
      • 160 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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Steve vs Abbey ***WON POST OFT***


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Please click the "Report " link

 

at the bottom of one of the posts.

 

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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If you are claiming back bank charges then open a new thread (Your name) v (Your banks name).

 

So depending what bank it is you will to go into that banks specific section and post the thread in there.

 

Hope this helps-if not let me know.

PPMAN159

 

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I think the message that says we should post a welcome to the forum should mention the 'new thread' tab as it took me ages to find it, as I was looking for a 'pots welcome' tab, but then I am as thick as a doorstep bacon sandwich with brown sauce...mmmm

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It is always recomended that new posters take time to just look over the site,read some of the other threads-this way they can get a feel as to what the site is all about.

 

Anyway you are here now Steve so post away!!!

PPMAN159

 

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Guest ChloeJane

Hi Steve,

 

Bit daunting at first?! Welcome!

 

I won against Abbey!

 

Just thought I would say hi and give you some useful bits to get you started, so you didn't get lost!

 

To start your own thread of information on the forum, you can find out how here.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84

 

Step 1.

 

Get your information! So you know what to claim.

 

You do this by easily following templates by copying and pasting them to suit you and your details.

 

1. Data Protection Act, Subject Access Request letter - List of charges

 

Click on the link above and you will go to a template that will be to request your data and information from the bank.

 

You can than spend the 40 days waiting for the information but can look around at what the tiimetable will be and what steps are next.

 

A great link is below which sets out a sample of the process. The links are on the right.

 

Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !!

 

Chat -- is a great way to ask questions instantly! so come on in and meet new friends and find support.

 

 

http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

 

Don't be afraid to just type and ask and you will see how friendly we all are.

 

Look me up if you need more help! Step 1 is the letter.

 

Good luck!

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Hi Chloejane, you won against Abbey? Great! You'll have to give me some tips.

 

My ball is rolling. One week ago I sent my first letter requesting bank charges over the last four years. They said they have received it and now have 10 weeks to respond according to the Financial Ombudsman. I said that accoding to my information they had to respond within 14 days, by which time I can send another letter before action, and start my small claims running through the court system.

 

I was actually fuming last night as I went over my overdraft by 93 pence (for a train ticket purchase of 3.60) and was charged a further 50 pounds :o). How can they keep charging such extortionate amounts??? The customer service advisor at Abbey even admitted it was RIDICULOUS. Not only is it ridiculous it is CRIMINAL and actually THEFT. Totally unjustifiable. Now I have to rewrite my letter adding on the new charges, do I? The customer service adviser said I didn't have to. And What about the ten weeks thing?

 

What happened with your case? Did it go to court? Did they pay up in full? How long did it all take?

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The ten week thing is complete B@@@@@@s stick to the 14 days.

 

It is not actually illegal but it is unlawful so carry on with the claim and dont forget to include the latest charge.

 

The reason why they continue to charge such high amounts is that to date no one has managed to work out the true cost so I suppose they will keep charging at these levels until such time as they are ordered to reduce them.

 

After all it has been a nice little earner for them over the years.

PPMAN159

 

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  • 4 weeks later...

I have recently sent my LBA to Abbey and am about to file my court papers. How do Abbey usually deal with this? Will I need to arm myself in preparation for arguing my case in court? I'm reclaiming 700.

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I have recently sent my LBA to Abbey and am about to file my court papers. How do Abbey usually deal with this? Will I need to arm myself in preparation for arguing my case in court? I'm reclaiming 700.

 

 

Hi you will need to read the FAQs and the step by step instructions, these will give you an idea of what to expect. Also read some success thread in the Abbey forum. Start a thread in your bank forum and post your questions there. You will of course need to be prepared for court however the chances of you getting there are vey slim. ;)

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Hi you will need to read the FAQs and the step by step instructions, these will give you an idea of what to expect. Also read some success thread in the Abbey forum. Start a thread in your bank forum and post your questions there. You will of course need to be prepared for court however the chances of you getting there are vey slim. ;)

 

 

I believe my case may go to court. Abbey have not settled my claim and paid an amount into my bank account. Then the amount was incresed with abbey's calculations. But they took £100.58 off the bundle figure already agreed upon. Plust they still owe me £35, SAR fee and the daily figures still ongoing. I had asked for CI but informed them i would have settled for the settlement but they refused to refund the £100.58/other. they pushed the CI issue in a priminary hearing of which the judge clarified to her it could not be dealt with in 10 mins. She was very annoyed. the judge has asked for a hearing lasting 2 hours (including reading time) and costs to be determined. I really do need some advice....

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Hi, I was only reclaiming £190 but the Abbey have decided to defend (standard Defence that I presume is sent out for every case) but I have just received an order from the court with a date. So I would prepare yourself for the Abbey pushing you to take it further. They may of course settle prior to the court date - I hope!

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yes. History says Abbey will settle before the court date. I am toying with the idea of letting one of the company specialising in retrieving bank charges on a win only 15% fee basis. Anyone done this?

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Why pay someone to write a few letters for you?

 

If they charge 15% does that include any court filing fees you have to pay or is it on top cos that could make your returns smaller still?

 

Why not give it a go yourself, you'd be surprised how much satisfaction there is in winning when you've done it yourself?

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Well folks you will be very pleased to learn that I submitted my court bundle by the deadline of 22 May (just) and I have just received a letter this morning dated 23 May stating that the Abbey will settle "without prejudice" and without admission of guilt. Who cares what they do and don't admit to - I've got my money back! So all of you who were as frightened as me of Abby taking it all the way - carry on - they will settle. Good luck and thanks to everyone for all their information it has been a great help.

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blue bar towards the top of page, above that click on Consumer Action Group then scroll down & all the banks are listed alphabetically.

 

in the 'quick links' on the blue bar it will list any threads you have posted on

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  • 2 weeks later...

Abbey credited my account with £170 this week saying that is all they are going to repay out of goodwill. My claim is for £640 + interest. I have already delivered the court papers the day before, although Abbey wont have recv'd them yet. What happens now? Are they likely to pay up the rest before the court date???:rolleyes:

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Steve E, Send them a rejection of offer letter. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html. Please start a thread on the Abbey forum. Click on link.http://www.consumeractiongroup.co.uk/forum/abbey-bank/

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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