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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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andypadd v HSBC **WON**


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Hi there and welcome to the site.

 

In short - yes you can claim them back. You need to have a thorough read through the FAQs - you will find a step-by-step guide and lots of other important information. Also have a browse round the forums to see how people are getting on with their claims.

 

Good luck!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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im getting charged every month for unauthorised overdraft can i claim the charges back and what are the first steps to make

 

read the faq's until you understand it, and you know the procedure off by heart, then go through some of the other peoples cases to get an idea of the potential pitfalls and solutions that await

 

dont lose sight of the fact that it is a serious business though, but we are all here to help one another :)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 6 months later...

Andy,

word of advice...stick to one thread, its easier to keep a track of.

Anyway, welcome. Have you read the FAQ's? You need to and then there's a whole lot more to read. follow these links, they're the sticky threads at the top of the forum.

Best of luck and don't hesitate to ask,

Babs x

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/38807-newcomer-heres-user-guide.html

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/213-all-hsbc-contact-info.html

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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  • 3 weeks later...

Hi Andy,

If you are registered for online banking you can download them yourself for the past six years. I'm not sure why they have not given you the statements as from reading other posts on this website they don't seem to have that problem. Maybe its just them delaying......

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  • 2 weeks later...

ive just had a letter after i sent my claim,it says:in order that we can consider your reqest please provide a full itemised breakdown of these charges to include date,description of the charge and the amount applied.please also include any proposed new charges that you will have received, ive just done a itemised list is there any strong words i can put in the reply so i dont have any more delaying procedures and i didnt ask for intrest to be applied.thanks

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HI: At what stage are you? Did you send DPA Request (when?) Allow 40 days. The reply should list all charges. You then ask for Repayment of charges (include schedule of charges). Template letter/schedule available to use. All the info is in FAQs where other claimants procedure of action is there. Read and reread FAQs. Start your thread under your bank's name and seek advice. Good luck! :)

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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What is 'second letter?' Is this your LBA Letter? If so include interest x 8% on your schedule to accompany LBA. :)

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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HI again - Have you received your List of Charges or full 6-year statements from bank (or do you have them) to compile your schedule? Don't add interest at this stage. :)

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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  • 1 month later...
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