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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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katieandscott vs Lloyds Tsb** WON**


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:) HI guys sorry that i keep starting new threads its cos my girlfriend has been using this too, and didn't relaise your meant to use the same thread!! anyway we will stick with this one now! just so you all know where we are:

recived bank statements this morning wooo!!

totalled up:

o/d usage fees'

o/d excess fees'

unpaid DDs'

Unpaid S/Os'

and unpaid personal loan fee chrg's!!

Total = £ 4904.00 (i think!?! will double check!!):)

 

I have not added:

O/Draft Interest or

Account Charge's.

not sure why but i have been told not to.

will be sending next letter in the morning!! asking for my money back!!:)

 

would appreciate all the help and advice you guys can offer. cheers.

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Yes send the prelim then the LBA, stick to the timetable. You can claim interest on the charges when you submit your legal claim, normal interest and account service fees you have agreed. Make sure your calculations are accurate.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Fine.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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  • 2 weeks later...

Hi Guys,

We have sent the first letter detailing our charges, the 14 days are up tomorrow. Shall let you know if I get a response in the morning post. And then I will definently need your advice from there. As I'm pretty sure they won't offer a settlement in their response. Just so I know the next step is a LBA is this correct????

Many Thanks

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:) Hi katieandscott,

 

Do not enter into this lightly!! Be prepared to go the whole way.

 

I am, and currently at defence stage from lloyds. I have read, read, and read some more but still need advice at this late stage!

 

I wouldn't worry about success rates, etc. just concern yourself with getting your facts and documents right,and take every day as it comes.

 

I've been successful against halifax and natwest, both at MCOL stage, I am prepared (with help from this site) to get MY money back from lloyds!!

 

GOOD LUCK

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hi guys, I am very new to this site, only recently I learned we can claim bank charges back. So you think the following charges icon2.gif o/draft excess fees, unpaid dd and unpaind s/o refundable? thanx :)

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Definitely quite normal!

 

The only correspondence I received, after receipt of statements, was following filing with MCOL.

 

They then took the full 28 days to file a defence.

 

Just received notification that case has been transferred to my local court.

 

Looks like its all the way to court. When I win I shall be definitely writing to the courts to claim for waste of time costs.

 

STICK WITH IT & GOOD LUCK

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Hi katieandscott,

This is only applicable if you have a default notice issued which you want removed. If you look at the bottom line on the template, it reads,

'Red - if you have a default notice issue as well - which has been caused by the charges. Otherwise to not include this part.'

 

Regards

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