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    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
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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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woodwa5 v abbaey and others


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Hi everyone,

 

I thought i would start writing as i am at the beginning of this journey.I have started with a claim against the Abbey but am owed thousands by Nat West and credit card companies.

 

So far I have sent the Standard data request asking for the last 6 years of statements from the Abbey. I eventually got all the statements up to the point where they started levying charges on my account (Jan 2004). I have now sent them an LBA stating that they should send the remainder within the next 7 days or face court action.

 

About 2 years ago they started levying charges onto my account to the extent that I was overdrawn by £4500 and they put me on their debt management plan. Since then I have had to pay them £250 per month off the overdraft and I am now down to £450. They have taken away my checkbook and also my visa debit card and will only let me have a visa electron. Due to all these problems I couldn't pay my mortgage and my house was eventually repossessed.

 

I have managed to sort myself out now and really want this money back. I don't know how much they owe me in charges but at one stage they were taking more than £1000 per month off me.

 

Will appreciate any help and advice from everyone out there,

 

Regards,

 

Woodwa5

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Welcome!

 

You've done the right thing by posting on here. Sounds as though you've had a really rough time. There are lots of fab people who will help you every step of the way so don't be afraid to ask.

 

I haven't had a problem with getting my statements but if you have a look in templates library you should be able to find what you need

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Hope this helps & good luck!

 

Villafan

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Bless you! Go for it, they have treated you appaullingly, there is no way you should have been put into that financial and no doubt stressful situation. Follow the steps, I can only speak from my exerience so far, I find it a little daunting, understanding the legal stuff but all the help you need is on this website, as long as you follow it you should be fine and more importantly RICH!!!!! You will get you revenge and all the money back that they have taken from you.

 

Don't give up!!

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  • 2 weeks later...

Hi,

 

I still haven't received any statements from January 2004 onwards. These are the statements with all of the charges on them as the pre-2004 statements are clear. I have sent them a letter threatening legal action and chased them up on the phone twice, what do i do next?:cool:

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I can't actually remember if it says anything on that part of the instructions. I take it you have sent the letter threatening court action for not supplying the data?

 

Stick with it, don't give up, they will turn up, mine turned up about 2 or three weeks after the 40 day deadline, after I had complained to Abbey and the officials. Its because it is on microfilter it does tend to take a bit longer. But any other ways people suggest you chase do that also.

 

How long past the 40 day deadline is it?

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Hi poohbear,

 

It's about 76 days and counting now. I threatened court action about 2 weeks ago. I sent an e-mail as suggested yesterday stating they have 7 days and this is their final warning and they returned saying they will re-request,

 

Regards,

 

Woodwa5

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Hi,

 

It's now comming up to the 90 day mark and despite 3 letters, 3 phone calls and 2 e-mails i still haven't received anywhere near all of the statements (missing 3.5 years). I am going to have to take enforcement action now. Does anybody know what the form I need from the court is called,

 

Woodwa5:mad:

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  • 3 weeks later...

Well,

 

3 and a half months after sending the original requests I have received a spreadsheet summarising the charges from the missing 2 and a half years statements. At least i can now start to put together the first request for charges back. I think I will still try and get the missing statements although the spreadsheet is very useful.......watch this space,

 

Woodwa5

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Hi everyone,

 

Well I have done my spreadsheet and the amount of charges they have taken off me since 25/04/2004 is £5160.00. I have not counted the £20 for every time they say I have gone into an unauthorised overdraft, do I include this? Also I have not included the 8% yet as I believe i don't do this untill court. I will send this as soon as i have an answer on the unauthorised overdraft fee question,

 

Woodwa5:D

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Hi there

 

I am probably not the best person to advise you (!) but I do know for definate this:

 

Yes the £20 charge for unauthorised o/d is a penalty charge and should be included

 

And yes you are right about the 8% interest - it only goes on at the Court stage.

 

Best of luck

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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I have added the unauthorised overdraft fees now and I think that I am ready for my preliminary request. One more question, how do I calculate the overdraft interest that they have charged me? Looking at the prelim letter in the library I include this at this stage,

 

Woodwa5:rolleyes:

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My other half got one with Barclays, with an Electron card (and our credit file reads like a horror story!)

 

They said they would review the account after 6 months, and if all ok would then consider an overdraft and upgrade the card, so it might be worth a shot.

 

Best regards

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Can anybody recommend a basic bank account for someone with a crap credit rating?:p

 

 

Try Yorkshire Bank. I understand that despite a crappy rating there is a possibility u can get a Current Account. Why not just open up eg. Nationwide Cash Builder Account, keep it running ok for about 6-12 months and they will upgrade u to the Flex Account. This is the one I have and the woman inside Nationwide told me that this will be the case if I keep the account running ok (money coming in consistently and maintain a good balance.

 

Hope this helps.

 

Andy

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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What is the name of that Barclays Account. I have tried for an Account and was told 'no'. Nationwide yes:D .

 

Andy

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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Well, I got a letter from the shabbey today saying that they are sorry that i've felt the need to make a complaint and they will write to me in four weeks time to tell me how it's going. They seem to be trying to encourage me to go through their complaints system (which i obviously won't do). Phoned them up and said they have the orginal 14 days before I issue an LBA. The woman on the phone was very polite and i'm sure gets this every 5 minutes............we'll see what happens next:cool:

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completely ignore the deadlines they set, they are simply there to try to delay you, 14 days: issue LBA further 14 days: file claim

 

stuff them and there 4 weeks, which then turns into another 4 weeks, which then turns into sorry we are unable to help you as our charges are fair ...blah blah blah

:madgrin:

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  • 2 weeks later...

Well it's 14 days.

 

I would like to send the crabbey an e-mail to give them the opportunity to cough up today or I will start adding 8% and costs to the claim. It probably won't work but does anybody have a suitable e-mail address,

 

Woodwa5:cool:

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Hi there its poohbear, been on hols so haven't been on here for a while, well it looks like you are getting there slowly. It is a pain and that is what can put people off sometimes, the banks pray on that, thats why they wait for it to get to court, to put people off.

 

I have to say I could ask you for some advice and maybe we could sort of go through it together, looks like you are going to be claiming a large amount, I decided to go for it all in one go because the court fees would have added upto over the £250 for over £5000 claims. I am not sure about the correct court process for bigger claims, is it still small claims court pack or something else?

 

Again, I am glad you got the info. Oh by the waym, I opened a basic bank account with Halifax although more to be on the safe side, rather than bad credit rating but they don't do a credit check and give Visa Electron, not sure if they look to upgrade the account after 6 months though, didn't even ask that.

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