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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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Holster v NatWest - the shootout begins ** WON**


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Okay good people,

 

LBA time is up, offer to setlte early ignored (it was a desperate day), so...

 

Have been hoarding my hormonal rage for the past 48 hours and will be filing my N1 and schedule of charges of £3738 (plus 8%) tomorrow at my local court. Wanting to make sure that I have everything correct first time...a couple of Q's:

 

Before I left NatWest (current account and mortgage) I had a default entry made against me - a situation that was purely because of the cumulative effects of the charges (and which also led to the booting of a certain premium manager.....). Do I file a separate claim for this to be removed?

 

I have also been slack in not following up the fact that I didn't get all the info I requested re statements and info first time, despite an LBA - I got the 6 years statements (7 times!!) but no additional information relating to manual intervention or notes from my file. Is it too late to start action regarding this or can I do this now, again, as a separate claim?

 

Many thanks in advance.

 

Holster

(2 weeks and 5 days until baby is due...hence the rant)

NatWest - *WON £3738* 11 JULY 2007 :p

A&L - S.A.R - (Subject Access Request) MADE 9 JULY

CAPITAL ONE - LITIGATION PENDING

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Right, I'll put it down to it being a late one for me last night - I've read the fabulous Michael Brown's guide listing and found what I need re the default, so on the case with that.

 

By the way, anyone else spoken to that miserable lady in Customer Services that obviously has to deal with a few hundred calls a day with people checking. Reckon she needs a hug in a mug, that one. One thing I'll say is that for someone working in a bank, she can't count days or weeks...bless.

 

Personal victory for me is getting my lawyer dad to start action against NatWest too - he's been with them for years with a premium account that offered a less than premium service. Now that will be a good one to follow!

NatWest - *WON £3738* 11 JULY 2007 :p

A&L - S.A.R - (Subject Access Request) MADE 9 JULY

CAPITAL ONE - LITIGATION PENDING

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Welcome, welcome

 

We're right with you

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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Filing my N1 later today (slight delay on Friday as I thought I'd gone into labour..now that would have been bad timing!).

 

Thought I'd make use of my bad mood today to email and call NW and point out that the FSA 56 day response deadline they thought they had for my case wasn't in fact 24th July but 9th July

 

They are taking date for response not 8 weeks from when your letter is received (mine was by recorded delivery on 14th May, thankfully I have scan of signature receipt for that day) but from when they log your details onto their system, which with me, took 12 days!! They gave me some garbage about the fact that the front desk isn't their department (???) and I should allow them additional time to process their admin!!!! They also refused to make any note on my file of my call and concerns.

 

Not that it matters anyway as I'm taking them to court but should there be no response by then, yet another case against them.

 

My advice to all would be stick to the deadlines as advised here but if you are keen to hang around for the 56 days - beware - they are trying to fiddle even that! Make sure you have sent things recorded delivery and print off roof of receipt.

NatWest - *WON £3738* 11 JULY 2007 :p

A&L - S.A.R - (Subject Access Request) MADE 9 JULY

CAPITAL ONE - LITIGATION PENDING

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  • 2 weeks later...

Hilarious / gobsmacking update.

 

While I await with baited breath for a response to my N1 filing (1 week to go on that) I received a second letter today from Mr Stuart Higgledy-Piggledy dated 4th July. It read (and I quote)

 

Sorry to hear about your concerns...etc..etc... thanks for your patience...but there have been some unforseen problems with ordering the statements we have requested on your behalf.:confused::eek::mad: We are following it up and dealing with it as a matter of urgency.

 

I couldn't resist... I called and explained that I have received numerous copies of my statements - more than I needed - so there couldn't be a problem in retrieving them. Also, that I was just a little concerened that the communications for such a huge company couldn't cope with sharing that information internally within the timescales THEY set themselves?????

 

They told me it was because my account was closed a year ago. I'm sorry (I said, but wasn't), but what difference does that make when you've been sitting on this for 7 weeks and all charges are within 6 years.

Obviously it just makes it far lower on the priority list.

 

I was then asked whether they could have a copy of my statements as well as a schedule of charges!!!!!!!!!!! :eek: :eek:

 

I left it as we're taking things a step further anyway, but reminded them that I would be sending a complaint to the FO with copies of these letters as a matter of principle. It was pointed out to me that these were only guidelines and not legally binding. I said I'd quote them on that.

 

Hope this beings a chuckle to your Friday morning - it did mine. Hysterical laughter, in fact.

 

Holster..

NatWest - *WON £3738* 11 JULY 2007 :p

A&L - S.A.R - (Subject Access Request) MADE 9 JULY

CAPITAL ONE - LITIGATION PENDING

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Lol.............. well you've cheered me up for the day anyway! :D

 

Bless them eh?! :rolleyes:

Can't find what you're looking for? Please have a look at Michael Browne's

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If you don't laugh, you cry - and this is far to entertaining to make me cry.

 

Or maybe I just have too much time on my hands?? :razz:

NatWest - *WON £3738* 11 JULY 2007 :p

A&L - S.A.R - (Subject Access Request) MADE 9 JULY

CAPITAL ONE - LITIGATION PENDING

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  • 2 weeks later...

WOO-HOO and PHEWY!!!

 

After MUCH deliberation (ie 8 flippin' weeks of heel-dragging), NatWest have decided to offer me the full amount I've claimed. And as I didn't have to pay out the £120 for registering with courts, I'm Even Stevens with them so far and so have decided to accept it.

 

While I would have enjoyed a juicy battle in claiming the interest too, I've got just too much on at home to see that through with two kids under 2...and two more claims to follow up, plus my bloke's Barclays claim to get into swing! It's all go I tell you...

 

As soon as my cheque has arrived and cleared (plus any others that should come our way over the next few months) I'll be making a donation to this fantastic site, which has been an inspiration. You've all been superstars in providing support, advice and sheer (at times, unadulterated)entertainment.

 

I'm off to the Barclays forum..so not adieu, but au revoir and see you around!

 

Holster xxx

 

ps Erm...do I now PM a moderator to get this 'upgraded'??

NatWest - *WON £3738* 11 JULY 2007 :p

A&L - S.A.R - (Subject Access Request) MADE 9 JULY

CAPITAL ONE - LITIGATION PENDING

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CONGRATULATIONS!!!!

Great result Holster................... enjoy your winnings!

Best wishes, hedgey xxx :D :D :D

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Thanks Steven, thanks Hedgey. That's the new bathroom paid for!! I'll get on the case with filling out questionnaires and the like.

 

All the best! x

NatWest - *WON £3738* 11 JULY 2007 :p

A&L - S.A.R - (Subject Access Request) MADE 9 JULY

CAPITAL ONE - LITIGATION PENDING

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