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    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which basically says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
    • where was this PCN:? please complete: pers i cant see the point in an sar yet await/if they ever send a letter of claim. as long as you've not moved since 2022 you are OK to totally ignore . dx  
    • ah this is a B2B PCP then as your are sending the SAR as a private individual and not as repping the co. you need to prove to them. unfortunately, i think that will also reset the 30 days. dx
    • Customers who opened HSBC's one-year fixed rate Isa say they have been unable to see the new Isa they opened or the money they transferred in.View the full article
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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
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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.

      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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HBOS a CCA - now +30 days


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hi everyone,i'm a new member and

 

 

i live and work in the birmingham area

 

 

.like many others my wife and i have picked up some bank charges over the years

 

 

but we are now trying to get back some of "our" money.

 

 

we have sent off letter one to the halifax and

 

 

they have replied in the negative so

 

 

we are about to fire off letter two.

 

 

we are also studying six years of accts from lloyds but there are a couple of items i'm unsure of,

 

 

can we claim back overdraft interest or overdraft excess fees.

 

 

if anyone can give me some advice i'd be most grateful.

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Hi, and welcome.

 

In order to reclaim your unlawful bank charges, you will need to know what you're doing. This site is about self-empowerment, and even though we will help you as much as we can in the process, it is up to YOU to take charge from now on. :-)

 

Please read the FAQs, please read the step-by-step, then read as much info as you can on the relevant bank forum.

 

Please start a thread in the correct bank forum, and post your updates and queries which haven't been answered elsewhere (and most of them have!) on that thread.

 

As regards o/d interest, you can only reclaim the part of the interest that arose from the charges, not from you using the o/d. O/d excess fees, yes, you can reclaim them.

 

Keep us posted!

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hello everyone,we have just completed and sent off the letter giving halifax seven days to reply and are now looking towards lloyds tsb.with regards lloyds should we itemise every single item and how do we justify claiming back overdraft excess charges..thanks.

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hi there,

 

have you read through all the faqs, letters etc??

what do you mean by justifying excessive charges?? it is them who should be justifying the charges (which they wont).

 

if you have all the dates of charges taken out of your account and what they are for you will need to do the spreadsheet for when you file in court/moneyclaim (you dont add interest until you actually file though)

 

do you know how much you have been charged??

 

sorry if it seems dumb but i do not like to assume.

 

lisaxx

  • Confused 1

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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hi everyone,we have sent off the letter giving halifax seven days to respond before taking action,the time expires today so if nothing comes in the post tomorrow we will instigate a claim.could someone let us know how to go about this and how do we term the claim.

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Hi Joe

 

Its time to start your own thread in the halifax forum as this the welcome forum for your first post and you will get a faster responce to any questions:)

 

Please stick to one thread so it helps us to know where you are and what you have done so far and you can always find your posts in the USERCP on the bar at the top of the page;)

 

Good luck and you will find most of your answers in the FAQ's and step by step

 

Welly:)

  • Confused 1

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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  • 5 weeks later...

You can try for an ammendment to the claim which costs 35.00 and is not reclaimable.

It is likely to hold up the case though and may even have to be re-submitted.

Have a word with your local court or if Moneyclaim call Northampton CC

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ts,ts,ts...

Why didn't you ask if you didn't know?!:-|

 

Good luck with what you're claiming back, anyway.

-Warms (Alexandra)-

---------------------------------------------

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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  • 10 months later...

Write and tell them that. Tell them that the account is now unenforcable and that they must not

 

1. ask you for payment

2. add any charges or interest to the account

3. pass on any information about the account to any third parties

4. put any marks on your credit rating relative to this account.

 

Tell them that, if they take you to court about this account, their non-complaince with the CCA 1974 is a complete defence. tell them that, as far as you are concerned, the matter is at an end.

 

Copy the letter to the OFT and your local Trading Standards.

  • Haha 1

 

 

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