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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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mcuth v RBoS ***WON***


mcuth
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Michael,

I've just received notice that Cobbler's strike-out application in my case has been refused on the grounds of

1. Defendants arithematic at fault. Sum claimed exceeds, very considerably, the sum stated in the witness statement.

2 Claimant raises issues of knowledge/concealment/mistake under s.32 LA. This is an issue that should be tried.

 

So here's a judge who wants to hear the LA issue....I think this is a good thing? If it's any use to you you can have case no. to refer to

 

Regards

 

Phil

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Michael,

I've just received notice that Cobbler's strike-out application in my case has been refused on the grounds of

1. Defendants arithematic at fault. Sum claimed exceeds, very considerably, the sum stated in the witness statement.

2 Claimant raises issues of knowledge/concealment/mistake under s.32 LA. This is an issue that should be tried.

 

So here's a judge who wants to hear the LA issue....I think this is a good thing? If it's any use to you you can have case no. to refer to

 

Regards

 

Phil

 

:eek: looks very promising.

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I am just so curious to see if you win and by what margin - your whole posting for me is the most "audacious" (hope it's spelled right!) but really well researched and articulated claims out there......

 

Thanks - am still prepared to drop the CI bit though, depending in part on what the DJ says on Monday.

 

It's almost as if you combine legal research/ writing talents with the intimate knowledge of the inner workings of corporate life (all the different departments and their importance/ interactions - like customer relations)

 

That's very kind of you to say so - I do like to think I've got a good grasp on how different corporate environments should work together, I've spent enough time ranting about it at a lot of firms, lol :D Still, your kind comment actually gives me ideas about future career directions!

 

Good luck mate......!

 

Thank you :)

 

I've just received notice that Cobbler's strike-out application in my case has been refused on the grounds of

1. Defendants arithematic at fault. Sum claimed exceeds, very considerably, the sum stated in the witness statement.

2 Claimant raises issues of knowledge/concealment/mistake under s.32 LA. This is an issue that should be tried.

 

So here's a judge who wants to hear the LA issue....I think this is a good thing? If it's any use to you you can have case no. to refer to

 

Wow - like LivelyLad says, that looks really promising - you've got an excellent opportunity there. Good on your DJ for actually wanting to hear the issues and not just granting the strike. Case # might be helpful - want to PM me the details? Ta.

 

Cheers

Michael

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Breaking news.....

 

Came home for lunch today to find a message on my answering machine from Cobbetts requesting a call about the hearing on Monday.

 

Ongoing discussions this afternoon, will update tonight :)

 

Cheers

Michael

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LOL guys - am just awaiting a call back about a condition that I may or may not be prepared to accept, depending on the outcome of the conversation ;-):D

 

(edited my other post accordingly)

 

Cheers

Michael

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LOL guys - am just awaiting a call back about a condition that I may or may not be prepared to accept, depending on the outcome of the conversation ;-):D

 

(edited my other post accordingly)

 

Cheers

Michael

 

Pack it in teasing you git.

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Ok then, this is what happened....

 

I called Cobbetts and spoke to a very pleasant lady, who said that their client wanted to settle all the charges, but categorically stated they wouldn't pay CI as they had precedents that it wouldn't be granted (ok, so I was willing to drop that anyway, but they didn't know that). She did a calculation breakdown that didn't include statutory 8% from the date of the claim, so I told her I wanted that including - "I'll call you back".

 

Got a call back to say that they'd pay that too (a grand total of £78.47, lol) and we agreed a total sum in settlement. I said "That's not subject to any conditions is it, like confidentiality?", she said "Yes it is", so I told her that I wasn't prepared to accept on that basis - unless they offered me payment for it as a service ;-) Was told that she'd go away and discuss and call me back again.

 

Had no call back for 2.5hrs, so I just called her back (have to say I was a tad worried) and she confirmed that a cheque will be with me tomorrow by special delivery, a letter will follow but there will be no confidentiality clause :)

 

So the breakdown is:

£4262.52 charges & o/d & stat 8% interest as at 15/12/06 (date of issue)

+£100.00 AQ fee

+£90.00 Issue fee

+£78.47 Stat 8% from date of issue

-£94.80 Already paid

-------

£4436.19 Total

 

Oh, and schoolboy error from them - they didn't say that any of our conversations today were without prejudice :D

 

Will update tomorrow, change the title & move the thread, when my cheque is here :)

 

Cheers

(a very very happy) Michael

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Indeed, congratulations sir!

 

A sterling effort ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Michael - you've done really well: well done.... I reckon your claim against RBS is the most audacious (risky) one I've seen between all the various threads here - so it's a real inspiration to see you've pulled it all off *and* with interest, albeit not the CI that you originally were chancing for.....

 

Well Done mate...... you deserve it!

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Thanks folks - am ecstatic - I actually thought they'd defend this to the hilt with the Limitation Act being argued on ~97% of the charge. Still, I'm not going to complain :D

 

Of course, you will note that rather than complain, I shall just PMP laughing for a long time to come :-D

 

Now, please would you be so kind as to excuse me while I go to my local and get completely slaughtered in celebration? Thank you eversomuch for your understanding :D

 

Cheers

Michael

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Very well done matey!:D :D

Paying interest on a loan caused by penalty charges? Read this!!

 

Very useful A-Z here:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can%27t+find+what+you%27re+looking+for%3F

 

New strategy for Scots claims here:

http://www.consumeractiongroup.co.uk/forum/scotland/71013-urgent-attention-please-read.html

 

Scottish procedure:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.

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Well done Michael!!!! :D

 

You sure have done great here mate .... enjoy the cheque when it arrives .... you deserve every penny

 

Bet ur glad u didn't 'deal' at the £50 offer now eh? :rolleyes:;)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Well done m8

MY CASE

 

Newbody Vs Abbey

 

NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action

 

the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html

 

Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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BIG CONGRATULATIONS!!!!!

 

 

ABSOLUTELY AMAZINGINLY GREAT NEWS!!!!

 

Well done 'mcuth'!!!

 

I hope your still 'busy' in that local as I type......

 

 

Really really pleased for you!

 

 

 

Um? Who's next on your hit list??? We gotta keep your letters coming somehow ;-)

 

Innocent :D :D :D :D

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

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Your turn lively?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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CONGRATULATIONS - WELL DONE

Following your thread was something else, What or whos next on your hit list ?

05/03/07 S.A.R - (Subject Access Request) handed in at branch

Found missing statements at home !!!!

08/03/07 Prelim+ schedule posted rec del

22/03/07 :mad: No reply to prelim LBA posted rec del

05/04/07 :mad: 14 days and no reply to LBA, sent e-mail

27/04/07 :D Offered FULL SETTLEMENT £3375

03/05/07 Cash in bank account :D :D

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Thanks all - I wasn't quite as slaughtered as I thought I might be, but I had a very enjoyable evening with some friends, and I do have a 4 day weekend still to go :D

 

The cheque's here - as promised, it arrived by Special Delivery (by 9am). I think I'll just look at it and smile for a while before taking it to the bank :D

 

I honestly have no claims left to make (well, there's one small charge on my Co-Op account, but I guess I can take it a bit easy on that one :D). It's quite depressing really, since the whole charges thing has pretty much been a constant since last February! Don't worry though, I'll still be in CAG, helping folks to reclaim the right :)

 

Perhaps you might consider freelance scathing-letter writing?

 

LOL - now that's a possible career direction :D

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

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