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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
        • Like

Won against Lloyds-Excellent news! Full Payment


Amy1471
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Recommended Posts

Guest littlesally

Well done for getting this far, many give up.

 

Have a read through these

 

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/

 

They will give you guidence and hope.

 

It's a pity the chatroom is still closed as that place can really help with any doubts and fears you have.

Also good for just unwinding and having fun.

Still hopefully it won't be long.

 

It's basically a waiting game, seeing who can out stare the other - don't be the one to look away.

Many people do at this stage and lose out.

 

Make sure you stick with the winners and you will be one!

 

 

 

Sally x

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Just called them and they have lost the forms and have no records. Im going to have to start the whole thing again!!

 

Not happy!!

Amy :p

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  • 2 weeks later...

Hiya everyone!!

 

Hope everyone is manageing ok and pushing forward.

 

Just need some quick help about what i need to prepare in my court bundle. Want to make sure i have everything correct and prepared!

 

Can someone confirm what i must have?

 

Thanks all!!

x

Amy :p

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The documents/evidence you will need to submit will include;

 

 

- Schedule of charges

- Statements showing charges have been made

- All correspondence between you and the bank

- All cases and statutes upon which your claim relies

- OFT report

 

All this can be found in the Basic Court Bundle

 

Additionally, you should add as much other evidence as you can compile. Examples of other useful pieces of evidence are;

 

 

- The McNamara interview

- Australian Default Fee's report

- BBC Commission conclusion

but link to australian default doesn't work put link on my thread last page , lisam

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  • 2 weeks later...

Hi Everyone,

 

Hope you all still doing well with your cases, and good look with verynoe just starting.

 

I am currently preparing my court bundle and im stuck on which cases and statutes it is that i reply on. Iv looked in the statues library and it may just be not being very smart but i dont understand alot of what they are saying. Can someone please help to which ones it is that i need so i can study them in depth and get my head round them!!

 

I dont want to be going to court looking like a fool!!!

 

Please help!!!

 

Thanks again and good luck!!!

 

Amy

Amy :p

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Hiya Everyone!

 

Iv just received my Notice of Issue, and im a bit confused about that i have to do. Do i have to fill in details on the bottom part and send it back off to the court or what?

 

Help please!!

 

x

Amy :p

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Hiya Everyone!

 

Iv just received my Notice of Issue, and im a bit confused about that i have to do. Do i have to fill in details on the bottom part and send it back off to the court or what?

 

Help please!!

 

x

 

No, I pressume you used MCOL. This is just a letter to inform you that the claim has been issued. This link will help here.

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  • 3 weeks later...

Hiya Everyone,

 

Hope your all doing well, and winning against the banks!!

 

I need help with the questionaire iv getting through, well not be actually as im helping my friend with it. They claim benefits though so didnt have to pay the initial cost for filing the court claim.

 

Soooo the questionaire states that they have to pay a fee of a £100. I recomended they fill it in and then take it to the court and ask them if they have another form for them to fill to exempt them from this. Is this correct?

 

Does anyone know if this is infact the case, or will they have to pay the £100?

 

Please help people, want to get it all right 100%!

 

See alot of you are doing well, so keep pushing everyone else!!!

 

Thanks!

Amy :p

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  • 2 weeks later...

Helllloooo Everyone!!!!!!!!

 

Got a letter through this morning and Lloyds have agreed to pay the full £5000 in full!!!

 

I was just at the stage where i was preparing my court bundle, the questionaire had been sent off and i was waiting for a date. I got a letter yesterday asking me to phone Lloyds as they did not want the matter to end is a dispute etc. Phoned them and there computers were down and they were going to phone me back.

 

They didnt but got a letter this morning offering me the full amount!!! I cant believe it!!!

 

I just want to say a massive thanks to the consumer actions group and everyone else for there advice and help!! This is a brilliant site and with out you'z i couldnt have done it!!

 

Good luck to everyone else, and push on cos you will win!!!!!

 

Thanks again

 

Amy x

Amy :p

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Superb!! :D

If I've helped, please tick the scales at the bottom left of this message!

 

17th Sept: Found this site! :)

 

Lloyds TSB

 

22 Sept: Subject Access Req.

3 Nov: statements arrived. Charges calulated at:

A/c 1 - £2,178.01 + int of £1,206.54 (18.4% authorised)

A/c 2 - £206.11 + int of £211.07 (18.4%)

7 Nov - prelim.

3 Dec - LBA

13 Dec - £750 offered

23 Dec - £750 credited

28 Dec - rejection letter

2 March - issued

16 April - complained at court failure to forward defence

 

Halifax

 

22nd September: Subject Access Request.

4th November: No reply so LBA giving 7 days.

 

Cap One

 

22nd September: Subject Access Req.

5th October: Letter saying no record of account!

15th October: Replied telling them to try harder...

22nd October: Subject Access Req acknowledged.

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