Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
      • 160 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

Hello co-op I'm back for the 2nd time


sallysas
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5785 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Sent my sar off 28/06/07 asking for FULL banking history. I wonder if I will get reply within 40 days this time (gave them correct a/c details this time) as today cheque still not cashed. I chanced my luck and claimed contractual but just going for statutory this time as it will be pure profit.

 

I like this forum as it's not gigantic compared to others. Good luck to all those just starting out or claiming again. Take note above that 8000 of us have won almost £15 million since this site started approx March 2006. WOW!!!!

  • Haha 1

 

 

Link to post
Share on other sites

Now there's a name I recognise!

 

Best of luck sally - although I'm sure that you won't need it knowing you! x ;)

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.

Link to post
Share on other sites

  • 1 month later...

Brick wall time. They have sent me duplicate data although I told them the periods I have already had data for. Grrrrrrrrr!!! The very last paragraph asks me to return statements when requesting refund highlighting charges I want refunded as it will speed up the resolution of this matter. That's very nice of them so letter going off in the post asking for data prior to last claim and giving them 28 days to comply or I will proceed to court. Wonder how I will get on. Similar letter already sent off to NatWest and Halifax. Can't the staff take time to read requests then? :o:o:idea:

 

 

Link to post
Share on other sites

Personally Sally, I don't believe they read a single thing. :( Let's hope they comply with your request this time round as they're getting awfully close to non-compliance territory. ;)

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.

Link to post
Share on other sites

  • 1 month later...

Have received a letter from them confirming I opened my account in February 2000 but the 1st available statement is October 2000. Really not sure that statement is accurate. Thought I opened this account in the 1990s.

 

'I can confirm that we hold statement information for a period of 7 years only' a Senior Customer Feedback Officer has written. What a title!!! I feel a non-compliance application coming on.

 

 

Link to post
Share on other sites

  • 1 month later...
  • 2 weeks later...
They're really sorry they have not met the high standards we both expect............... .

 

Gee that's nice of them :rolleyes:........ they can give you your money back then now can't they?, just to live up to the *high* standards that you both expect! :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.

Link to post
Share on other sites

  • 2 weeks later...

Found this which is lovely and easy if you want to claim contractual. Just be aware anyone new, that claiming contractual on a bank a/c is not a good move, this is just for credit cards.

 

http://www.consumeractiongroup.co.uk/forum/capital-one/119267-contractual-interest.html

 

 

Link to post
Share on other sites

Psssst, I'm not allowed to mention names (as there is a confidentuality clause involved) but I am about to get another win, so with the pressure off I am using the contractual spreadsheet as mentioned above for my lba going off tomorrow. Oooohhhh, but it would be lovely to get this in time for Christmas. Nothing ventured.

 

 

Link to post
Share on other sites

Fingers crossed for you Sally............ with the amount of work you put into this, another win is nothing less than you deserve right now.

 

Double bacardi with diet pepsi for me when it's through please - 1 chunk of ice'll do though! x ;)

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.

Link to post
Share on other sites

Diet Pepsi? Oh well, it's a matter of taste then. I am with you on the bacardi though with coke, slice of lemon or lime and lashings of ice.

 

I'll be all done and dusted with them then. I could try and get one possible 2 extra months out of them but can I be bothered. Hmmmm, with this kind of return it is worth considering. Must be getting over the 'flu then...........

 

 

Link to post
Share on other sites

Thanks hedgey. I wonder if they will threaten to close my credit card down. Not bothered as I don't want to stay with them anyway.

 

They didn't close any of my accounts instead they just put stops on all my cards etc, effectively closing them down then continued to say we will review the situation when you pay us £xxx etc etc. To this day the stops remain and I am convinced no amount of repayments etc are going to remove them.

 

I claimed my charges back from the Halifax and they did the same effectively failing to renew my card even after I credited the account with over a £1000!!

 

No law against them will change the fact that they can just remove your facilities, in my case they didn't even inform me I only found out when the ATM's reported unauthorised transaction.... my cards were all worthless over night.

 

So it's not just the Co-Op using punitive tactics after claiming, though it smacks the hardest being that they image themselves as being `Ethical' Yeah right ethical in how they spend their profits not in how theu make them...

Link to post
Share on other sites

  • 2 weeks later...

They just don't have enough staff. I sent them lba and they have responded saying they need 4 weeks to look into it. Perhaps I will respond by reminding them how much more it will cost on a weekly basis if they fail to settle with the appropriate figures - or am I just being lazy.

 

Hedgey, the Manchester meet sounds like a lot of fun was had by all. Maybe next year........

 

 

Link to post
Share on other sites

  • 4 weeks later...

Evening all. My season of goodwill is now over. Have received a letter saying they sent me a cheque in June 2007.......... True, but this is a new claim for just one month. Good job I kept a copy of old claim spreadsheet - just call me cautious. Letter going in post this week letting them know I will give them 10 days to get their act together and then I am filing at court. Only claiming one charge back to 2000 but with contractual it comes to over £200. Happy New Year everyone; fight the good fight. Did I say this is a credit card account?

 

 

Link to post
Share on other sites

  • 1 month later...

They must be fed up of paying out. I received a letter stating my claim is statute barred as it goes back over 6 years. Sending this letter in reply.

 

 

 

 

 

Dear xxxxxxx

 

ACCOUNT NUMBER: xxxxxxxxxxxxxxxxxx

 

I refer to your letter of xxxxxxx stating that I cannot bring a claim as it is statute barred and you refunded charges dating back 6 years as a gesture of goodwill last year. In my original correspondence of 5 March 2007 I only asked for charges dating back 6 years to be refunded. At that time I was unaware that Section 32 of the Limitation Act 1980 made provision for older charges to be claimed. It is on that basis that I make my second and final claim. The section I am relying states:

 

(1) .... where in the case of any action for which a period of limitation is prescribed by this Act, either-

  • (a) the action is based upon the fraud of the defendant; or
  • (b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or
  • © the action is for relief from the consequences of a mistake;

· the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it. ....

· (2) For the purposes of subsection (1) above, deliberate commission of a breach of duty in circumstances in which it is unlikely to be discovered for some time amounts to deliberate concealment of the facts involved in that breach of duty. . . .

 

 

 

 

 

 

 

 

My letter of 9 January 2008 stated that I required repayment in full within 14 days but as a gesture of goodwill I am prepared to wait until 02 March 2008 before commencing court action in order to allow you further time to reconsider your decision. I enclose a further copy of my original spreadsheet which I have already supplied with my previous letters.

 

I trust this makes my position clear.

 

Yours sincerely

 

 

 

 

They do seem to be getting tough but we shall see.

 

 

Link to post
Share on other sites

  • 1 month later...

I'm genuinely surprised but they have dug their heels in, stamped their feet and thrown the baby out with the bathwater.

 

They state that in law they can reject any claim for compensation where the cause of the loss was more that 6 years ago, or the claimant was aware, or should have been reasonably aware, of a potential loss more than 3 years ago. Now I was unaware that I could claim till I heard Martin Lewis on Radio 2 November 2006. Is it worth sending them another letter stating the 6 years starts from them or should I just file at court as they end up saying they do not believe section 32 applies. Any thoughts?

 

 

Link to post
Share on other sites

  • 2 weeks later...
  • 1 month later...

Hello people I'm finally back. Changing providers can take a while................

 

I'm completely out or touch regarding the test case naturally but the co-op have sent me a cheque for just a little less than I was claiming and I have banked it. Better let the courts know too. Can't be bothered to argue for £30ish (particularly as I was out on strike for 2 days last month) so can this be moved to the 'success' section please. Good luck to anyone still claiming.

 

Can anyone give me a suggestion as to where I can fairly quickly catch up on the test case and what it means to us.

 

 

Link to post
Share on other sites

Thanks very much. Going on holiday to N Wales tomorrow so will read up when I return.

 

Unless anyone thinks I am barking I intend to accept the above offer as part-payment only and hold out for the outstanding £70. Am I being silly?

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...