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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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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Does Charlotte Gurnell Exist ??


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Once again I receive a letter from Charlotte Gurnell, this is another computer generated letter. I have responded to this "person" in writing before but she never appears to read my letters, either that or she is very stupid. Now, am I writing to a "ghost", I am considering phoning this person or will I be just wasting my time ? If not I am going straight for a complaint ...... I will do that anyway but would like to know if there are any reported sightings of this rare beast ??

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  • 4 weeks later...

Interesting! You do a google search and end up at CAG!!! CAG is literally now the centre of my universe!

 

I too would like to hear about the lesser-spotted Gurnell, that very rare species, commonly found hiding behind standard PC letters churned out en-masse by her and her minions in Halifax. Her natural habitat appears to be an office in Halifax where she displays remarkeable natural camouflage and can hide when any phone rings or letter requires anything other than a standard response. With similar characteristics to a cuckoo, this species feathers her own nest by taking from the nests of others..........

 

Having had a ridiculous letter from her on behalf of Sainsburys this weekend, I'm livid and very close to travelling to Halifax myself to see if she does actually exist. I've written to her with numerous recorded delivery letters advising that my account is in dispute, providing evidence that the accout is in dispute, and yet all i get are standard letters from her.

 

I wonder what the reaction would be if I raised the issue in court as to whether she was real or not?! Who knows, perhaps she has a standard response letter for that too.

  • Haha 1

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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happy0188.gifhappy0188.gifhappy0187.gifhappy0187.gifhappy0188.gifhappy0188.gif

 

 

Interesting! You do a google search and end up at CAG!!! CAG is literally now the centre of my universe!

 

I too would like to hear about the lesser-spotted Gurnell, that very rare species, commonly found hiding behind standard PC letters churned out en-masse by her and her minions in Halifax. Her natural habitat appears to be an office in Halifax where she displays remarkeable natural camouflage and can hide when any phone rings or letter requires anything other than a standard response. With similar characteristics to a cuckoo, this species feathers her own nest by taking from the nests of others..........

 

Having had a ridiculous letter from her on behalf of Sainsburys this weekend, I'm livid and very close to travelling to Halifax myself to see if she does actually exist. I've written to her with numerous recorded delivery letters advising that my account is in dispute, providing evidence that the accout is in dispute, and yet all i get are standard letters from her.

 

I wonder what the reaction would be if I raised the issue in court as to whether she was real or not?! Who knows, perhaps she has a standard response letter for that too.

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!

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And ......

 

Tomasz Maciejasz

 

And .......

 

Carol Pickles

 

And .......

 

Camara Denton

 

And .......

 

Marcin Senator

 

to name but a few more of the migratory species which visit these shoes!

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!

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CAG Intelligence Unit Report: TOP SECRET

  • Tomasz Maciejasz
  • Charlotte Gurnell

  • Carol Pickles
  • Camara Denton
  • Marcin Senator

All active aliases of another known operative....

 

HBOS's most deadly agent: Ms Sixyears Thatisall

 

mssixyrsonly.jpg

Litigate On Sight!

  • Haha 1
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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happy0167.gif

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!

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I wonder what the reaction would be if I raised the issue in court as to whether she was real or not?
Great point Bathgatebuyer - I'd love to see what would happen if a fed-up and cantankerous DJ tried to have one of these ghost-names summonsed :D
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Well, I've now written to the Halifax and SAinsburys to raise a formal complaint against this individual and confirmation as to whether she is Memebr of the Chartered Institute of Bankers. I intend raising a complaint to them about her unprofessional behaviour................how funny if she wasn't a real person.

 

Honestly, what an amusing afternoon it's been!!!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Well, I've now written to the Halifax and SAinsburys to raise a formal complaint against this individual and confirmation as to whether she is Member of the Chartered Institute of Bankers. I intend raising a complaint to them about her unprofessional behaviour................how funny if she wasn't a real person.

 

Honestly, what an amusing afternoon it's been!!!

 

 

Oh! GOOD ONE!

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!

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  • 3 months later...

I emailed her at charlottegurnell@halifax.co.uk

She read my email and replied back to me!

NatWest

 

S.A.R - (Subject Access Request) sent - 02/01/07

Statements received - 15/01/07

Prelim sent - 24/01/07

LBA sent - 15/02/07

Claim filed in court - 20/03/07

Court date received for 26th June - 01/06/07

Received offer for full & final settlement from Cobbetts - 22/06/07:D :D

 

 

Capital One

 

S.A.R - (Subject Access Request) sent - 26/06/07

Statements received - 03/07/07

Prelim letter sent - 17/07/07

Letter received - 07/08/07 - WON!!:grin:

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You sure it was Charlotte Gurnell or someone pretending to be her!!!

 

I'm sooooooo cynical when it comes to the Halifax!!! :D

 

Who knows:rolleyes: I just thought it would be worth a try to see if anything happened;)

NatWest

 

S.A.R - (Subject Access Request) sent - 02/01/07

Statements received - 15/01/07

Prelim sent - 24/01/07

LBA sent - 15/02/07

Claim filed in court - 20/03/07

Court date received for 26th June - 01/06/07

Received offer for full & final settlement from Cobbetts - 22/06/07:D :D

 

 

Capital One

 

S.A.R - (Subject Access Request) sent - 26/06/07

Statements received - 03/07/07

Prelim letter sent - 17/07/07

Letter received - 07/08/07 - WON!!:grin:

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  • 3 months later...

That Ms Gurnell has started writing to me again despite my account being in dispute and me having made an extra special effort to send her 2 recorded delivery letters to tell her that!

 

I thought she'd gone on her holibags on something as she's not been in touch recently. So good to have her back!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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God darn it, I came home tonight to another letter from her about the very same issue - asking me for money when the account is in dispute and with Trading Standards. Isn't she a honey keeping in touch so very often? Yet, she never returns my calls, doesn't email and never even signs her letters.

 

And I thought she cared about me?

 

I think I'll just fire a complaint straight off to CIOB about her this time. Maybe then she'll bother to answer in person and not via one of her minion's printers.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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  • 5 months later...

Definitely worthwhile! HBOS do not hesitate to send out nasty letters with her name on them. If she's such an important woman that she cannot and will not return letters or emails then perhaps it will need a solicitors letter to spur a response from her.

 

'member and tell her we'll all missing her ;) (like a hole in the head!)

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Are her cousins

 

Hayley Felton

Ellie Renshaw (whos letter is going to be shown PERSONALLY to Trading Standards on Monday - she wrote to my OLD address whilst knowing my NEW address... and admitted that C1 didn't know they had already taken me to court (~and lost!!!!)

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I think Charlotte, Hayley, and Ellie must be hiding on an island somewhere with Shergar and Lord Lucan while the computers churn out their threats and ignore our carefully and conscienciously worded letter to them.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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By coincidence I printed off the OFT notes on Debt Collection and I can outline more than one of these good practice notes that the lovely 'Charlotte' (or whatever her real name is) has breached:

 

1. d. Not ensuring that an adeqaute history of the debt is assed on as appropriate resulting in repetitive and / or frequent contact by different parties;

h. ignoring and / or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demansd for payment;

i. Disclosing or threatening to disclose debt details to third parties unless legally entitled to do so.

 

For me the big one was in disregarding that a dispute was in place and I have it well documented by the legal system that there was a dispute in place! The frustration I feel with HBOS and Ms Gurnell in particular can never be overstated.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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