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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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Daughter vs Halifax ***WON***


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I have been helping my daughter sort out her accounts and I persuaded her to get her bank charges of the Halifax.After sending off her SAR she finally received her statement of charges yesterday

The total was £7063 !! before I send off her Prelim letter, can someone update me on the latest info.

Should she go for the full amount plus interest or do it in two lots

£5000 and then £2063. Can it be done this way to avoid court costs

or are the Halifax paying out regardless of the total amount.

 

I am having difficulty trying to get the spreadsheet, is there a problem

with the site?

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After you have sent your prelim letter and LBA - if they haven't settled - I would file a claim with the financial ombudsman as you are above the £5K limit for small claims. The reason I say this is because in Scotland (where I'm from) the courts are beginning to reject numerous small claims on the same account. I don't know if this has started to happen in England/Wales yet but by going through the financial ombudsman you are bypassing the courts and so won't have to worry about paying any court costs.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks Rory32

 

Having read more threads especially sea-sidelady

I have decided to go for the full amount it would seem splitting is now out of date. I also found a link for the spreadsheet thanks to Mindzai for that

Hopefully get the spreadsheet and the prelim letter done and ready for the post Monday/Tuesday

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Im glad my thread has helped you. I was advised at the time to go for the full amount, and i had no problems. (apart from backlog at the court!!)

 

So you shouldnt have any problems.

If you need any thing, just shout. ;)

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I have subscribed to your thread so i can see how you are getting on.

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Thanks for that,

 

I have just looked at the letter from the halifax.

It is a long list of dates starting in 2001 then a figure

eg 2001-02-01 28.00DR I take it that the DR are charges

The reason I query it is that some are for 180.00,150.00, 120.00

also lots of 30.00s ect.

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No need,

What they have done is just clumped a load together, this has happened to a lot of people, including me.

 

Just copy onto your spread sheet exactly what it says on your statement.

"charges as notified" as that is all they use......date then amount.

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I have just done my spreadsheet and Its a good job I wasnt drinking anything at the time otherwise I would have spat it out over the PC !!

 

Using the spreadsheet from mindzia I have selected contractual interest

and after inputting all the data what was a figure of £6,895.00

has become £13,286.53 !!! I have done something wrong, havent I ??

That amount is scary

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That amount of interest can't be right. Having read loads of threads

I am as most are, when it comes to the spreadsheets, slightly confused

mainly the interest bit Bear in mind this is mindzia's spreadsheet

do I use contractual interest or just add up the charges and only add

the 8% ( That everyone refers to) if I have to apply for court

 

Im sorry if it appears I'm numb

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Thanks tigga 1961

 

Believe you me I have trawled through loads of threads

and the library, I think the spreadsheets being off line didnt help

I thought I knew what to do but when you go through the process

You soo want to get it right and not be the first one to fail

All it needs is someone to say-- yep thats right and then your off

 

The folks on this site are really very supportive I dont know where

or how some of them find the time.

 

Thanks again

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Something has just occured to me, while I was finishing the

spreadsheet I read a few threads about interest --again I know--

and the majority mention rates charged for being overdrawn,

The only way you would know that is if you have received your statements, my daughter didnt, all she got was a list of charges

for the last six years ie 2001-02-01 £28.00 DR ect

 

Now, her total charges came to £6895.00p.

I wonder if the reason she only got a list of charges was to prevent her

or discourage her from claiming interest on such a large amount.

 

or is it all a coincidence, anyone any thoughts.

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Just so you know, posted prem letter and spreadsheets off today

So the process starts, wish me luck, my daughter is leaving me to sort it out, good old dad eh, I suspect I will have more grey hairs after this

even if it isnt in my name.

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Even though you have now sent the prelim, you should still send the non compliance letter, as they havnt sent you the full statements you requested. This is a failure of the DPA.

 

And if there are any more charges then you can just add them on.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Thanks for that,

We received a letter from the Halifax on Saturday, only FIVE days after sending our prelim and spreadsheets, yet to see it, but the response

is they have looked at our case and the charges are correct and we have no claim, yet to see the exact wording but the speed of the reply and

the contents appear to be different than normal

Are they trying to scare us off? has anyone else had this type of reply?

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yes it seems to be a new standard letter, just another delaying tactic. Carry on as normal, and file your lba when the 14 days are up.

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Hope so, and will do.

I suppose everyone gets a bit twitchy when they receive

the terms and conditions, commercially sensative ect letter

Well even though the charges are over £5000 we are still going for it

nervously !!

Will my daughter need to add her husbands name to any paperwork, it is a joint mortgage?

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As long as she can sign on her own normally then just her name is fine.

And yes a lot of people get twitchy, but any worries you have just post and someone will help you.

HOW TO...DUMMIES GUIDE TO CAG...Read here

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Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

Here is a list of court fees...

 

County Court Fees

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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