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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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Halifax claim back. It's like swimming through treacle!


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I am very new to this but I am trying my best to get up to speed with the process of challenging my bank (Halifax) and reclaiming excessive default charges. If anyone could give me some advice on what to do next as I appear to have hit a brick wall with Halifax. I sent a letter on 23rd Feb 07 asking for a list of all the default charges I have paid over 6 years or a copy of my statements going back 6 yrs. I enclosed a cheque for £10 to cover costs - which the Halifax cleared almost 4 weeks ago and yet I have not received any word from them. I have been into my high street branch 3 times to find out what's going on & they have e-mailed the dept. that deals with these claims but I have not had any answer as to why I have not received the list of default charges on my account. Until I get them I don't feel I can proceed with my claim against them. VERY HANDY for my bank as obviously the longer they can hold up my claim the more chance I will give up. Has anybody else had this problem in the early stages.

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Hi Anthena,

 

Welcome to the forum.

 

They do have 40 days to respond, so a little wait still.

Please follow this link to your banks forum and start a thread;

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=9

Start a thread, Anthena v Halifax

Other members with experiance of your bank can offer informed advice.

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's

LINKS....

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

There is also live chat, visit if you need any quick advice.

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

Finally good Luck.

Happyolddog.

If this helps please tip the scales,Left,this lets others know if my information is useful.

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Guest ChloeJane

Hi there,

 

The Banks are very slow in complying to requests and will stall for time.

 

If you sent your original request and £10 to them, then they have 40 days to comply, however under the act 40 days begins from the date they identify you as the data subject.

 

The data protection act is below as a link.

 

Data Protection Act 1998

 

I personally suggest waiting till the 47th day, then to send the non compliance letter.

 

If you are past this then send the letter in the template below.

 

 

Data Protection Act - Non-Compliance - Template Letters

 

Template 3 is when you have not received anything at all.

 

Address it to:

 

Data Controller

Banks Head office Address

 

 

Then wait the 7 days.

 

If that fails and they still have not supplied your information and statements from 7 days of receipt of the letter (send signed for!), then you can file in court which is a simple process, which a court will then order that they do. The costs you can recoup and gain back with your claim.

 

CJ

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