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    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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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.

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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.

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Evo02 V Lloyds TSB


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I have sent off the DPA letter along with the £10 fee.

 

I recieved a summarised version of statments today. Just listing all charges that have been imposed on the account.

 

They said they will provide me with a full set of statments if I want which will take up to 40days.

 

Is what they have provided good enough?

 

Also it says that I have recieved for example a Charge with description "Unpaid D/D" for £280.00DR. This was long ago so I can not remember it. Is this a £280 fee which I can claim back or is this the amount that bounced?

 

Regards Evo02

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Well its says:

 

DATE ______TYPE __DESCRIPTION ______CR/DR___ SHEET NO.

01/11/2005 _CHG ___UNPAID D/D _______280.00DR ____55

01/11/2005 _FEE ___ACCOUNT CHARGE __10.00DR _____55

 

Surely they aint put a £280 bank charge on. Surely thats the amount the Direct Debit was and the bank charge is the £10. But then £10 does not seem like enough?

 

Regards Evo02

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Hi Evo...

 

Are you sure it's a £280.00 charge for an unpaid d/d... or is this the unpaid d/d amount and the charge is followed later???

 

If it is... it's worth claiming for that by itself!!! :D

 

Also, try and push for the actual copy statements. If you read through this thread, it will enlighten you as to why!!!....

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/92638-mciavelli-lloyds-tsb.html

 

Best of luck. :)

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Hi

 

I had the same thing; I am fairly certain this will be several DD's returned on the same day; the best way to find out is take a single returned DD to find out what they were charging at the time and then divide the £280

 

Best of luck

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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Oooo.... crossed threads!!

 

I think to clarify this Evo, you need to look at the whole list and see if there is a pattern... ie: charge/fee, charge/fee, etc.

 

I know that LTSB did charge a £10 penalty, as I had plenty myself!!! However, mine were dated 1999-2001. I had a good year in 2005 and avoided any penalties at all!!! :)

 

Also, as I already had all my statements, I didn't get a list of charges, so I can't refer back to them!!!

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Hi,

 

I had pages of charges sent to me instead of full statements, but they were fine. Anything that says CHG is definitely the charge for the missed direct debits, when they return more than one they tend to lump it together in the same month. It's funny as they say they don't charge more than £90 in a month I think? (correct me if I'm wrong guys). Just one of my charges was detailed at £370 in one month, about 10 returned direct debits (oops), but they only sent me one letter as well!

Fzrkitten

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So are you saying that that the figures I have got for £280, £190, £90 and the rest are the lumped together bank charges?

 

But they have all got a fee below each of these charges around £10???????????????

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any has anyone got a definative answer as to wheter I should ask for the full statements or are the list charges provided good enough?

 

They have taken my £10 so it will not cost me any more, but they have said it will take some time?

 

Cheers Evo

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The account charge - have you got a platinum / select account something like that? That will be the monthly fee they charge you for having a specific account and is NOT claimable.

 

The charges, yes, are lumped together so the £280 will be for numerous failed DD's in that month.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Evo...

 

Did you read through the thread I linked to above??

 

This chap got his charges through as a list (like you) and only realised that he needs the original statements now. He has a court date and is panicking to get hold of copy statements before the hearing.

 

Also, they will have the definative answer to your "is it or is it not a charge" problem!!!! Two birds with one SAR!!!!!! :)

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