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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 Visa**WON**


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Good Luck!!! Halifax acknowledge my claim yesterday, let's see how long until they paid up!

Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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Called the number in previous post. Nice lady called Cheryl has ordered all my missing statements.

 

Also sent a letter worded similar to the SAR letter in the libarary, adapted it to my needs and gave them 8 days to supply the missing statements, this is when their 40 days are up.

 

8 days and I will send a non compliance letter.

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I have some questions regarding my visa.

 

I have a lot of payment reversals on my statements, I presume that is when they unlawfully took my benefits money from my current account to pay my visa, then I demanded it was returned, would that explain these reversals?

 

Also, when we get to the stage where we add the interest after the prelim, do we still add the 8% interest or is there another amount for credit cards? I ask because surely I have been charged a high amount of interest on these unlawful charges.

 

Seems strange that the charges range from £25 - £20 - £12 all for the same thing!

 

I can't wait to get the missing statements, as this is when I became unfit for work and all the troubles started with the Halifax. I wonder if it's coincidence that these are missing :o

 

Keep ya posted :)

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1) The payment reversals.

If you actually recieved the money back from these then yes that will be what they are.

 

2)Interest.

Yes it is still the 8% interest.

 

They do seem to charge all different amounts, they also sometimes club them together.

 

As for your missing statements, i know you wont stop until you get them...:D

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Good luck with this one money, I have every faith in you;-):D

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Hey Money,

Just wanted to say CONGRAULATIONS!!!!

 

You are now a PLATINUM account holder...:D;)

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

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F&Q's... Read here

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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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Congratulations on your account promotion, & SSL, congratulations on PIP no.4.

Now, I'm going to bed to sleep off this darned sore throat, & Flu-like/Cold virus.

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Thankyou jade,

 

Feel better soon..:rolleyes:

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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Today I have sent a further email to Ms Kelly Duffy:

 

Dear Ms. Duffy,

 

Regarding our previous correspondence via email RE Account number xxxxxx

 

I have received part of my S.A.R - (Subject Access Request) request, but on further inspection I am missing the following statements:

 

2001. - X - X- X- X- X- X- X- X

 

2006. - X- X- X- X-

 

2007. - X- X- X-

 

I have sent a further request to my SAR dated 12th June 2007 via Royal Mail giving Halifax a further 8 days to reply to my original request. After which time I will be filing for non compliance with my local County Court.

 

I am sure you will agree it would be beneficial to both parties to resolve this matter before such time.

 

Regards,

 

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Hopefully that should do the trick!

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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He he!!

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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I have decided to give Halifax Visa a further 7 days to send my missing statements.

The reason being I re sent a SAR outlining the missing statements as their 40 days were not up. I want to do things properly incase this goes all the way.

 

Today the 40 days required it up. I think I have been more than fair with this.

 

LBA of 7 days sent 20th June 2007 recorded delivery.

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Right here we go again:

 

Just called Halifax on 08456047000 put on hold and passed to customer relations.

 

Explained that they had not kept to my deadline of sending missing statements, have broken the promise they made on 12th June and I was now about to file to my County Court.

 

The snotty b*tch on the other end said 'excuse me but we have 8 weeks to supply your statements' I reassured her I had waited as long as I was going to wait, the 40 days were up and I'm filing. Her reply was 'well go ahead', I hung up on her!

 

 

Right so now what I need to know is, what do I take to court. My N1 -Exemption form - letter for proof of exemption - what else??

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Ok you need the...

 

N1 FORM

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/n1_0102.pdf

 

And the Non Compliance Poc

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

 

You exempt id. Fill it in and take to your local county court.

 

This can only be done a t the county court. NOT mcol.

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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