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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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£50 (now £100) in charges for going over by One Penny! (mrs) Crusher V A&L


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Had a letter on Saturday, "this is a serious matter.... blah blah, pay in money blah blah..." yes, I had got myself £50 worth of charges! I had gone over my OD limit by ONE PENNY!

 

Phoned today, they refunded it funnily enough. ;)

 

Anyway folks, will be joining you guys in here soon with a claim for Mrs Crusher. :D

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Had a letter on Saturday, "this is a serious matter.... blah blah, pay in money blah blah..." yes, I had got myself £50 worth of charges! I had gone over my OD limit by ONE PENNY!

 

Phoned today, they refunded it funnily enough. ;)

 

Anyway folks, will be joining you guys in here soon with a claim for Mrs Crusher. :D

 

Shame they refunded it in a way ... what good evidence that would have been to use against themicon12.gif.

 

Good luckicon7.gif

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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Okay A&L prepare to be crushed!
If you need back up they can also be skulled, spiced, booked and bogged...oh, and rolled as well...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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If you need back up they can also be skulled, spiced, booked and bogged...oh, and rolled as well...

LOL... :-D

they have annoyed me somewhat... I can't say what I want to say, else i would have to edit myself... that would not be right.

I will post later what the figures are, it's going to be a few hundred quid I think.

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welcome to A&L we are a bit quieter I think than some of the other bank sections - but just as determined and a friendlly lot.:)

 

jansus

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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thank you jansus.

 

quieter?

 

 

yes normally we are quite reserved and dont SHOUT OUT EACH OTHER IN CAPITAL LETTERS!!!

 

Or discuss lots of matters off topic- or whisper about others.

 

I read lots of other threads - it takes over your life!

 

:-) jansus

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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They done this to me, I was over by 7p or something, I was unemplyed at the time, I clocked up over £200 in fees and they did nothing to help me, If they had of refunded a fee at the start I wouldn't of gotten into a mess but they wouldn't so I had no choice but to get a default and close the account, and the sickening tramps them said to me "Ah we will refund you a £25 fee" I said if you had of done that at the start I wouldnt of got into a mess"

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OK.

Its £175, with £50 pending, so £225 in total.

Letter done.

I put my schedule of charges into the text of the letter, something I regularly do now. They can't make out that they have lost it, if they have the letter, they have the list of charges.

 

Sit back and wait for account closure now I suppose. :-(

 

 

(this is claim 15!!!!! lol!)

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[

 

(this is claim 15!!!!! lol!)

 

we will be picking your brains then!! Or is a dalek just one big brain:confused:

 

jansus

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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  • 2 weeks later...

standard "bog off" letter arrived for mrs Crusher's account.

LBA sent off.

 

Oh, got another £50 put on my account, generated by my account being over due to the charges made because of the 1p.... its easy to see how these charges snowball. I rang up, and after a grilling for the poor member of staff the charges were refunded. So... £100 worth of charges because of 1p. Thats what I call value for money! ;)

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  • 10 months later...

OK, we are just adding any charges that have been added during the stay. For instance, we paid in money on saturday, as it was cash it was showing right away on the account (confirmed by a balance print out) they tell us today that there wasnt enough money in the account. Rubbish, there was loads in the account, they are just trying it on as usual.

 

Dont get mad, get even :D

 

OK mr A&L, offwe go again....

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Hi HSBCrusher

 

ive got lots of alliance and leicester charges in the past year, about 250 would just cover my overdraft lol plus now checked online statements and they intend to charge me the 5.00 a day for being over the overdraft limit and thus 100.00 will be taken on the 18 may 2008, thus my question

can i ask for these too plus the 25.00 and 34.00 charges for failed and review account payments.

Should i put my claim in including the 100.00 charges being applied next week or wait until the charges been applied and then apply?

im fed up with this account want it sorted and closed as fast as possible.

Your help appreciated ciao for now MAZ

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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oh yes... claim the whole lot.

by the time they get your letter and then reply telling you to "get lost" the charges will have been added.

 

I too have some of these £x per day charges... it is a complete rip off.

 

All the best with your claim Maz... go get 'em! :-D

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Many thanks HSBCrusher

 

very encouraged to go for it now this weekend and will send recorded delivery and use the template letter from the forum

 

will update my journey have a fun weekend ciao maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hiya HSBCrusher

 

im looking at the first letter i need to send requesting for my charges back and do the schedule of charges, but am confused on the interest charges , ive tried to calculator and i must be doing something wrong, at the end of the day i dont want to make a mess of it so is it okay to just ask for the charges and not the interest charges on the overdraft, and then if they done pay up do the letter for the before court and if still dont then do the court letter and then add the 8% INTEREST at the court stage _ would be happy to get a result this way and not faff about with the overdraft charges incase i make a mistake>

 

what do you suggest

maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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  • 5 months later...

OK.

 

I am absolutley jumping.:mad:

 

£1.77 over my OD limit, that's right, less than 2 quid has resulted in... over £180 worth of charges on one statement.

There has been NO activity on the account last month, other than A&L's fees.

it went a little over, (because of fees by the way) and now this.

 

A classic example of how the banks are ABUSING the waiver, for greedy profit.

 

but, typical A&L... getting someone to talk about it... huh, you would have more results talking to the nearest lampost.

 

Im going to cool down a bit, then plan my next action... boy, am I jumping.:mad:

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  • 4 weeks later...

Hi HSBCrusher!

 

I'd be interested to hear what your next plan of action is? I've been taken to the cleaners by A&L - they've just had me for about £300 in charges and they've closed the account. I'm not impressed! Does it look like we'll have to wait on the High Court ruling? Does anyone know?!

04/1/07 - S.A.R - (Subject Access Request) letter sent out

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  • 1 year later...

the last post in this was 2008!

 

well, it was difficult to progress any claim on this as we all know too well, but now the oft debacle is over, and the dust has settled, I think its time to take the fight back to A&L.

 

This reminds me somewhat of the early days, I'll need a new letter, and a new POC. Lets see where this goes eh? :grin:

 

The Consumer Forums - FAQ - The New Bank Charges Position

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