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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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Partyboy V Halifax ***SETTLED IN FULL***


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Data Protection Act sent about 28 says ago,

Statements recieved for 6 years today,

 

They did not include anything in writing as I requested about manual intervention.... should I write to them saying they have x amount of days left as per my original request saying I shall start proceedings for non compliance with Data Protection Act??

 

thanks

 

PS Total £1546 over 6 years...... thankyou halifax for saving my hard earned money for me!

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Might be worth asking so you have it on record but don't expect a coherent response.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Sent off Letter Before Action for Non-Compliance with my original DPa request.

 

As they have just sent me list of charges, can I send the preliminary approach for repayment letter while I am waiting for the manual intervention letter?

 

Also, can I request interest back aswell in my preliminary approach instead of only doing that if it goes to court?

 

thanks guys

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If they have provided you with a list of charges (through the statements) and not mentioned manual intervention, then you would effectively be threatening legal action because they did not make mention of there being no manual intervention.

 

I think you should forget that action and proceed with your claim for refunds, starting with the Prelim Letter.

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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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Prelim approach letter sent for £1546!

 

As I pass my local branch on the way home from work I was tempted to just go in ask for a manager and tell them what I am doing and say to save you from more headache u wanna just pay up lol.... but would prob be a waste of time although good fun!!

 

As they sent nothing about M.I. I guess on the practically zero percent chance it goes to court I can request M.I. details for a second time...

 

My 5% works out to be about £75 at a guess which I shall be more than happy to donate!

 

ps lmfao @ all the grief the banks r now getting back!

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I wouldn't bother with the MI arguement again, so you can put that out of the way now.

 

Haowever tempting it might be to talk to the branch, it will be fruitless - as you have suggested anyway!

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.

 

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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  • 3 weeks later...

Letter recieved from Halifax 1 day after I sent my LBA giving them another 14 days.

 

Usual long letter explaining how they think charges are fair and they adhere to all banking code etc(!) they offered me a measley £170 as a good will gesture. How nice of them!

 

I will send a letter today to clarify my refusal of their heartwarming kind offer of good will gesture!

 

not long to go now!!!!!!!

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Keep up the good work ;)

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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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  • 2 weeks later...

Second letter recieved with an offer of £509 and all the usual insulting crud about how to manage your account, LBA deadline today.

 

Called the bank today for a laugh, and it went like this:

 

Me: I recieved a letter with a kind offer of £509, I dont suppose you are in a position to negotiate before I open the court claim today?

 

Bank dude: Actually yes I am, I am a manager here.

 

Me: Well as you realise the LBA deadline is today, and as you are probably aware, every case is being settled in full before court. I am opening a court case today and will be claiming £1875 incl interest and court costs, however, as a gesture of good will, I am prepared to make an offer that if you pay £1546 then I will drop the interest and you will not incur court costs.

 

Bank dude (after a brief pause): I am not prepared to offer you the full amount, we cannot do that i am afraid.

 

Me: Thankyou for your time, I will be commencing court action today and claiming back the full amount. I am sorry you are unhappy with my offer and we could not come to an agreement, however, if you would like any advice or support on how to manage my account better, please do not hesitate to give me a call :-D

 

Opened moneyclaim for full amount,

 

Will keep you updated and happily donate once I recieve funds!

 

Thanks to all of you and good luck, dont give up or let them scare you off!!

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Latter of acknowledgement with intent to defend dated Tuesday 18th

 

I take it that means they have 28 days from then to pay up?

 

that will be 3 days before my birthday, sweeeet!!!

 

seems like theyre stringing it out right til the last minute now, mofos!!!

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They have 28 days from the date of service to submit their defence.

 

I suspect payment will arrive in your account withing the next 10 days.

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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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Got a letter from the Halifax a day after opening my moneyclaim, saying the same crap, they are sorry I refused their final offer of 1/3 of what they owe me, how i should manage my account etc, and they cant offer me any more, and for some reason, they spent 2 PARAGRAPHS explaining how KIND they are for supplying my list of charges FOR FREE!!! (they never cashed my £10 cheque for my DPA request!)

 

they are such a bunch of jokers!!!! I swear they must have some people there that genuinely think its funny to write these sort of letters!

 

 

been 7 days since date of service..... any day now!! :grin:

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CONGRATULATIONS

 

However, DON'T let them get away with the daily interest. Phone them, let them know the claim is NOT settled in full until they pay you - they are trying their luck with this and it's money you should have - even if it's peanuts in relation to the rest of the money involved!

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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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