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    • no that is not a defence. because you don't have a photo
    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
    • First begging letter received from Overdales   ;Blah blah blah, our client's are going to win this blah blah blah we supplied all your documents under CPR   PS you can stop all this by paying £1200 less in a lump sum
    • Right,  so the court hasn't send out the Directions Questionnaires/N180s yet. PE's one is a false one, meant to intimidate you into thinking your defence was rubbish and they are confident with their claim. This is par for the course.  The PPCs do this regularly. However, PE have gone further and written that "a copy has also been filed with the court" which is a lie as the court haven't even sent out the papers yet. Keep a screenshot of MCOL, later on in your WS you can draw attention to their lying and abuse of court procedure. If you've got time on your hands, then complain to the BPA about one of their members lying.    
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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we have only just become aware of this group and the fact that bank charges are unlawful. We have suffered at the hands of the halifax since we joined it in Nov 2002. having gone through all our statements since that date we have realised we have paid £5,600.00 in charges!!! We were gobsmacked that it added up to that much. There have been many many times when we have struggled to feed our family and get through the month until next pay day due to hugh bank charges. Of course, the knock on effect is that the following month you then have to try and pay those people whose direct debits didn't get made as well as being into the overdraft more due to the banks unfair charges.

 

Just want to check that as we have all the statements and have gone through them we can now send the preliminary letter asking for our money back. (we are counting all references to 'charges as notified' is this correct?

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I can see no reason why you can't send the Prelim letter, although when you send the DPA it does question any manual intervention, which would be helpful *if* your case where to get to court, but it's not a major problem.

 

I hope I'm not teaching you to suck eggs but have you read the FAQ? Are you aware the limit for the small claims is £5000? If you file for over £5000 you could be on dodgy ground and end up in the fast track where you *could* be liable for costs should you lose. It is highly unlikely but something you should consider.:)

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Although the maximum is £5000... that is per claim, you can claim in chunks eg; 2000 - 2003 then when that is settled claim 2003 - 2006, don't do both claims together as they could be combined and you would still end up on a different court track and liable for costs. :)

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I just sent a letter to my bank: - (dont foget to cover you overheads)

 

Halifax plc (ADDRESS)

Customer Relations

P/O Box 548

Leeds

LS1 1WU.

Friday, 09 June 2006

Ref: (Roll Number)

Dear Sir/Madam

 

 

Over the past six years, my account has been charged £1297.00 for exceed my overdraft etc. It has come to my attention that this is unlawful at common law, and under statute and recent consumer regulations.

 

In the terms of the contract, which you agreed to at the time that I opened my account, it is implied that you will conduct yourselves in a manner, which complies with UK law.

 

I require full repayment of these charges, which has calculated at £1297.00, interest of £312.83 (8% APR), current postage charges £9.90 (x2 Special Delivery letters @ 4.95 each) and a £5.00 charge for Halifax having to produce a statement of charges. The total cost as at the 09/06/2006 is £1623.83. I also ask you to remove any default notices on my credit record that are related to these charges. A

correction or amendment to the entries is not acceptable.

 

If Halifax does not comply fully within 14 days, I shall begin a claim for the full amount, plus interest and costs, plus a claim under ss.7 and 13 of the Data Protection Act 1998 without further notice.

 

Furthermore, I shall submit to the OFT a complaint under the Consumer

Credit Act 1974 upon the basis that Halifax has failed to comply with their

direction of 5 April 2006 and are therefore should not be holding consumer credit license under the 1974 Act.

 

Yours faithfully

xxxxxxxxxxxxx

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