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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
      • 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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lolypop v halifax ***WON***


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hi

everyone hoping for some much needed help and advice. am trying to claim back approx £9000.00 have just discovered your fantastic website, have been going it alone thus far with some template letters obtained from a friend. i think i am at what you call the LBA letter,am just about to post it tomorrow. would like to no if anyone has been successful with a similar size claim; are there any differences, costs etc all advice and pointers would be greatly welcome thanx

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9k would mean Fast Track, where you could be liable for up to £750 in cost should you lose. But there is Standard Disclosure, whereby the bak#nk would be required to reveal a breakdown of their costs, which they have steadfastly refused to do. Instead they settle just before court

 

Fast Track Guide

Fast track and multi track

 

These 2 threads may be useful:

STEP-BY-STEP INSTRUCTIONS

Example Step-By-Step Instructions

Guide to Reclaiming Bank Charges

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

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hi michael browne thanks for them links, i,ll check them out. just a bit worried about that courtcase at the end of the month i cant remember the guys name v natwest, thats the last thing we need right now a negative precedent being set.

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Yes they did used to be £35, now they are £39.

 

If is says charge next to it, then add it to your list.

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

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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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hi lolly , if you go on to the halifax website you can find the interest rates there.

ive just been lookingmyself as ive got charges of £20 too, and one for £69 dont know where that one came from?

i was horrified to see some of them didnt realisse thats how much they chared .

this site really makes youthink. Never bothered about looking before just thought it must be ok its the bank. HAH :-x

Im so glad i heard about this site now though and even though i cant get my head round some stuff im determined to learn and fight to get what is mine back:)

hope this helps and good luck

regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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They are ok. i had some £20 ones, and they can clump some together, so yes add them on.

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

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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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it,s money in the bank as they say tilly 49 have you already got yours spent i know i have ha ha. thanx overflow i know what you mean i,ll be paying more attention from now on

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thanx mackem67 also i,ve listed overdraft interest in the same column as the charges with statutory interest in a seperate column is that correct i wasn,t sure it,s a big learning curve but i know it,s going to be worth it when i get my money back

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Sorry I don't know anything about the interest part. I only claimed the 8% at court stage..................I didnt have an overdraft or anything and wasnt sure about contractual interest.

Can anyone else help with that?

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Hi lolypop, I too have a charge of £48. I think they changed the excess O/D between June 2004 and July 2004,from £20 to £28. as any I had after the end June 2004 is for £28. I took it that the £48 charge I had at the end of June was for a £20 one + a £28 one. Probably another con!!!

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hi lolypop,

which spready did you use ?Ive been using the one off mindsia found that to be the easiest one to do as I dont know about you but Im no wizz kid when it comes to interest.although i have come to understand them a bit better after reading "me v halifax" gives a way of working it out that even i could understand

 

regards:)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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