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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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Mr & Mrs V v HSBC ***WON***


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Well, we did it, we followed Moneysavingexpert.com and sent off all our ,etters to the Bank, first MrsV's account, then mine.

We recieved the statements, and sent off the letters asking for our money back

 

HSBC Said .... Nothing...

 

We sent them second letters asking for our money back and threatened Civil Action.

 

HSBC Said "Were looking Into it"....

 

We gave them 14 days and wrote to them again asking fo rour money back,

 

HSBC Said ..... Nothing ...

 

21 days ago, we filled a civil action with moneyclaim.gov, first for Mrs V's account. After 5 days, HSBC should have recieved the summons, but submitted no acknowledgement or defence.

 

Yesterday we applied for a Default judgment. filled in the online questions and our case should have been presented at 10 am this morning.

 

Fingers crossed.

 

Mrs V is asking for £2800 charges, plus £600 Interest

 

Then it will be my turn, im at letter 3 stage at present, So far HSBC have not answered my corrispondence only to advise it is being looked into.

 

So, Tomorrow it will be time to submit my court claim. Im asking for £800 Charges, plus £400 interest.

 

 

Does anyone know how long it can take for payment to be made ?

How long should we wait before sending in the Bailiff's ?

 

JV

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good pick up fl,

i'm betting you might have added the overdraft interest onto your charges - or just added up the interest debits and are asking for them back? o/d interest needs to be done using the advanced spreadsheet and either some, or all or none of each interest entry will be added to your claim.

so, any idea why the interest is so much - good time to make sure it's correct - before filing the court claim. if it takes a couple of extra days to get it right - that's much better than mucking it up.

 

as for mrs v. - here's a similar one - judgment by default you might like to read - it might shed some light

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well, done my sums, I didnt tell you there are two accounts here, and most of the charges occured more than 4 years ago, so the interest is higher. anyway, the numbers are right, and total costs are aprox £1000.

 

The court just served judgement by default for the full ammount. my wife is happy. Now, were off on holidays ... Hope to see some money when we return or its in with the Bailifs

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Enjoy your holiday and lets hope there's some cash on your return!!

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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  • 2 weeks later...

Well, just got back from holiday to a leter from HSBC's solicitors acting on their behalf saying that due to an "admin error" the defense was "lost" by the judicial system (yer right ....) and they are honouring the money awarded by the court.

 

This reflects a recient transaction into the wife's bank account for £3459.38 as bank charge refund.

 

YESSSSS .... FU HSBC :)

 

Now, to get mine processed and submitted on monday

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  • 4 weeks later...

2 months ago, the wife won a ruling by default and recieved £3400 of retruned moneys including interest.

 

This morning, 2 letters from HSBC, both referring to their T&C's but basically offering me 95% of the origional ammount requested, less the interest.

 

Account 1, I asked for £1000, they have offered me £950

Account 2, I asked for £760, They have offered me £670

 

Obviously the small claims added interest of about £500 ontop of the combined total of these figures, plus the court fee's £120, but Hell, I have got my money back (less interest, but then im not a money grabbing ****** !.. LOL

 

So .. Total reclaimed charges from HSBC for my Family =£5020 . THis has gone a long way in paying off our debts and assisting us on teh road to becomming debt free within the next 12 months :)

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Congratulations!

 

Don't forget the survey.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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