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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 
      • 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

Akerman v Lloyds TSB **Full Settlement offered **


topgeeza
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which address of the bank do I put on when issuing a claim- branch add or head office?

 

thanks

 

Hi seankelly,

 

It's best for all if you post in your own thread.

 

closey is entirely correct, any registered address of Lloyds TSB Bank plc is OK. Just for interest, I sent ALL of my correspondence via the manager in my branch so he, as the person who knows most about my account history, could act as the hub or point of contact to take in all my correspondence with the Bank.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 4 weeks later...
  • Replies 64
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A rather belated congratulations topgeeza :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 1 month later...

D.s. wilson hi be prepared to go all the way even to preparing for court .Sechiarris were abrupt,in some letters damn right frightening.Go all the way and you may get your money back before court i did on the 11th hour.

john r

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if you have a look in our threads..i.e me and molly's you'll see that they are being more than sadistic right now...wanting the month of Ocober to negotiate settlement but the courts telling me that the court date is likely to be late November and then even telling Molly that it's likely to be Jan 07.......what the hell are Lloyds playing at ?

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Lloyds are being rediculous at the minute, failing to meet DPA deadlines then defending actions to make them comply, even entering a counterclaim.

 

Ah well the court date is January 3rd so i wont hold my breath

 

 

J

You may think that but . . ......

____________________________________

Total repaid to date £1947.58

 

Lloyds Currrent a/c £745.27

Moneyclaim filed 17th June

Defence and AQ 25th July. Case struck out 11 Aug

reinstated and hearing 15th Jan 2007

 

Lloyds loan a/c D A request expired 19th June

Proceedings under S7 Data Protection Act issued 29th June defence and counterclaim 27 July

Hearing Jan 3 2007

Listed final hearing April 2007-

Judge declared an interest and disqualified himself

new date to be set

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Lloyds are rediculous but i think with me they "found"the missing letter and recieved the fax,found that if they went to court they,d have egg on their face and settled up at the very last minute 3.0pm day before court.....

 

I think Lloyds are the nastiess ones stick to your guns and timescales youl get satisfaction...

john r

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Lots of people have kelticmad - try looking in the Capital One forum :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 4 months later...

Hi

I've never posted anything on this site before so here goes.

 

Had overdraft of £200, unfortunatley I was within £4 or so of going over, before m wage went in, the bank then recieved a DD which would have put me over the £200 limit.

 

Because there was insuficent funds available, (as they put it) they then charged me £36, which put me over the overdraft limit, because I was over the overdraft limit they made another charge.

 

To cut a very long story short the charges added up to over £100 for this, and up to dat they have continued to charge this account and to date the current charges stand at £604, needless to say this account has remained inactive and no money has been paid into it for over 2 years, I do get the odd letter but they are filed for future threatened court action which they don't seem too willing to carry out, I wonder why, ha !!!

 

Paul:eek:

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Hi

First time on here, had a £200 overdraft with TSB, got to within £4 or so of limit then DD went in so not enough in to cover, got charged £36 for"insuficent funds" then because I was over overdraft they then charged me again, the two totaling over £100.

 

To date the total charges they have applied amount to £603, needless to say the account is dead and unused.

 

They keep threatening me with court action and have done for nearly two years but nothing recieved as yet, I wonder why (snigger snigger).

 

 

Regards

 

Paul Stretch

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  • 2 weeks later...

Yes.Complete the claimonline.Lloyds will never appear at the Court.It happened to me.They make you work, complete all the forms, prepare the bundles and never show up.The judge will serve them on the spot.It took me ten minutes excatly.The judge seemed to be really pissed off with them for the waste of time.

good luck

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