Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
        • Like

MoggyLover vs Halifax ***WON***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6146 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello Everyone,

 

I got a letter two days ago dated 11th June from Halifax. I'm pretty sure that it's just one of their scary 'bog off' letters, but just wanted to check...in it they say:

 

"the guidelines issued by the OFT do not apply to bank account charges, therefore I cannot comment on it in connection with your concerns."

 

They also say they may be able to help by providing us an overdraft - pah!!! They've never wanted to listen to us before when we've pleaded for help/buffer overdraft during times of bereavement, redundancy etc.:rolleyes:

 

They also say, "I am sorry to advise you I am declining your complaint" and "If I do not hear from you in the next eight weeks I will assume you are happy." Oh yeah, super thanks, seeing as you've nicked four grand off me in 3 years...:mad:

 

Anyhow, I've been through the whole LBA process etc and started with MCOL. They acknowledged and now have until 26 June to file a defence. What are the chances they'll settle before then? Am a bit scared in case they do file a defence and I have to go to court...:shock:

 

 

My timeline is:

10th April - sent initial letter

4th May - sent LBA to Ewan Penticost

24th May - started MCOL claim

29th May - deemed served

1st June - Halifax acknowledged to MCOL with intent to defend

7th June - sent copy of statement of charges to halifax (Mr. O'Brian)

11th June- letter from Halifax saying they are declining my claim because I knew T&Cs.

Halifax have until 26 June to file a defence

HSBC - April 2007 - WON! Over £2k

Halifax - June 22 2007 - WON! - Over £4k

Power to the People!!

Link to post
Share on other sites

hello moggylover, you are not on your own, you are at exactly the same stage as me, same dates for mcol and halifax to file a defence, i went through that feeling of being scared, but dont worry, read all of the positive threads on here, it gives you real hope, it seems halifax pay out before a court date.i dont think anybody has actually made it to court or if they have halifax have not turned up.i think its standard for halifax to defend as it gives them extra time.

 

keep your chin up and good luck

Link to post
Share on other sites

Hi your dates are close to mine i filed n1 on 23rd may served on 25th may acknowledged 1st june, rang legal dept last week they said i would get a letter of settlement this week low and behold end of week no chuffin letter lol x

Link to post
Share on other sites

Thanks for all the supportg guys. I filed my MCOL claim on 24th May, so now I expect it is just a matter of waiting for Mr. Postman to come...hopefully with a lovely settlement from Halifax!;)

 

Mogg

HSBC - April 2007 - WON! Over £2k

Halifax - June 22 2007 - WON! - Over £4k

Power to the People!!

Link to post
Share on other sites

If you filed 24th May, have you recieved your date your claim was deemed served?

Have they acknowledged your claim within the 14 days?

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Hi Seaside Lady,

 

Yes - it was deemed served on 29th May and they acknowledged MCOL on 1st June with intent to defend.

 

Mogg

HSBC - April 2007 - WON! Over £2k

Halifax - June 22 2007 - WON! - Over £4k

Power to the People!!

Link to post
Share on other sites

So they have till tuesday 26th to pay.

 

Keep checking that account..;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Nothing yet, but am keeping fingers crossed! I have a leaky roof that needs repairing and that money will come in very handy for that! I have a horrible feeling it might actually go to court, but am really hoping it doesn't....:|

HSBC - April 2007 - WON! Over £2k

Halifax - June 22 2007 - WON! - Over £4k

Power to the People!!

Link to post
Share on other sites

I decided to work from home today, just in case the postie brought good news and...

 

...he did!!!

 

I WON! I WON! I WON!!!!!!!

 

So happy - can now afford to repair roof, buy food (!) and pay off some bills. :D :D :D

 

Thanks to everyone on CAG for their support! I've done a lot of browsing and gained real inspiration from the success stories on here, so thank you, thank you, thank you!

 

Over 4 grand - wa-hey!!:smile: The letter says it will be paid into our account within the next 5 days - can't wait!

  • Haha 1

HSBC - April 2007 - WON! Over £2k

Halifax - June 22 2007 - WON! - Over £4k

Power to the People!!

Link to post
Share on other sites

Thanks! I still can't believe it. Hope everyone else gets good news too - Sare, how about you?

 

Mogg (Purring loudly).

  • Haha 1

HSBC - April 2007 - WON! Over £2k

Halifax - June 22 2007 - WON! - Over £4k

Power to the People!!

Link to post
Share on other sites

CONGRATULATIONS....!!!!!

 

That is fantastic. Well done! :D :D

  • Haha 1

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

I certainly will!! Big takeaway curry and wine for tea tonight to celebrate methinks!!! :)

 

Trying to think who else has fleeced me over the years now - this could be addictive!

HSBC - April 2007 - WON! Over £2k

Halifax - June 22 2007 - WON! - Over £4k

Power to the People!!

Link to post
Share on other sites

!!!congratulations!!!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

Link to post
Share on other sites

Congratulations enjoy spending your money i knw i have lol x

 

 

Oh! Shurrup!

 

:rolleyes: (That is, until I get mine -

and then I'll be shouting it from the rooftops, too!):rolleyes:

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...