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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 
      • 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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Moneyhelp Vs Halifax Bank ***WON***


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Sent my first letter to Halifax yesterday, sent it recorded delivery and included £10 cheque.

I'm also thinking of claiming from Halifax visa. Do I use the same letter as I used for bank account for visa?

I am currently in financial difficulty and the CAB has offered my visa £1 a month, will my claim affect this?

 

Any help gratefully received :)

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I have already sent my first letter, I don't mind sending another cheque/letter if it doesn't affect my present situation.

 

If you can find out for me that would be a great help.

 

Thank you.

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I have just had a call on my mobile from an Indian guy wanting to know what bank I am reclaiming charges from. I refused to discuss this with him, I asked him where he got my number and he said 02, now how does 02 know that I am claiming my bank charges?

This guy offered to help me get my charges back, I told thanks but no thanks as I am NOT prepared to give my details out to strangers.

 

Has anyone else had this call? I'm confused to where they got my number from :confused:

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Received letter from Halifax credit card this morning dated 15th May 2007.

 

With reference to your recent claim, blah blah blah. You will receive a response within a maximum of 4 weeks. They were also kind enough to enclose a leaflet Personal Customer Complaints.

 

Do I wait the 4 weeks as they suggested?

 

I am a complete novice at this and would be grateful for any help/advice anyone can offer.

 

Getting scared now :(

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Yes that does sound complicated, I'll leave that lol.

 

Thanks for the advice Sea Side Lady.

 

I still have a while for them to send my statements, I just want to get on with it I hate this waiting.

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Recieved all bank statements today from 2 current accounts. Poor postman :D

 

Been through them all and going to add them to my spreadsheet and get it posted recorded delivery tomorrow.

 

Here we go then, getting scared already :roll:

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Sent Prelim letter today recorded delivery.

 

I'll allow the 14 days then send next letter on 31st May 2007.

 

Only claiming on one account as I only had £10 charges on second account.

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Received the mass mailed fob off letter from a Tolga Cakir (Reviews Manager at Customer Relations)...

Thank you for your recent complaint. I'm sorry you are unhappy... blah blah blah...2 pages of nonsense. Funny that they don't even use blue logo paper and it's a photocopy not even signed. Lovely leaflet inclosed on personal customer complains too. Thanks Halifax!

 

Can I now send my LBA?

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I don't know if to add this and if I do how I go about it... any advice peeps?

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

I'm getting worried now after seeing poor Canksters post today :(

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Right... I would love some help here...

 

I want to start the ball rolling with my N1.

 

I know I am exempt. Do I fill in an exemption form first before my N1?

 

Can someone point me where to start and what to do? Pleeeease!

 

I am so lost with all this *sigh*

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*Deep breath*

 

Thank you Seaside Lady, you have saved the day again!

 

Right... so I fill in N1 print 1,000 copies haha no... print 3 copies, do a another spreadsheet but include 8% interest this time, print 3 of these and take all copies to my local coart, where I can fill in an exemption form, hand them all in. Job done????

 

God that sounds easy hu... NOT!

 

:|

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Oh and the 3 pocs.

 

I'm going to paste your help on N1 here so I can find it easy ;)

 

Your N1 claim form.....

 

Claiment

moneyhelp + address

 

Defendant

Haliprats Trinity road

 

Brief details of claim

Money claim for return of penalty charges applied to the claiments bank account by the defendant.

Value

 

Charges.......£xxxxxx

Interest under s69 county courts act 1984......£xxxxx

Total.....£xxxxx

S.A.R - (Subject Access Request) Fee.....£10

 

In the boxes....

Amount claimed.....full amount

Court fee ....... (court will tell you)

Solicitor fee...leave blank

 

Human rights.....NO

Poc.....Attatched

 

The bottom of the form.....print and sign.

DONE..!

Thank you so much, I would click your scales, but I have to spread some around first :eek:
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