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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

mac v HSBC - **WON**


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Hi all,

Great info on here,will def be supporting if i can pull this off ;-)

 

Just a couple of questions before i start the process...

 

I have printed off 2 copies of my last 6 years statements(1 for my records)and highlighted all the charges i am claiming back..£968..

is it sufficient to send these with my preliminary letter,as my "schedule of charges" ?

 

Am i best to send a prelimanary letter or just go into my local branch with a letter and all my statements and issue them in peron to a customer service manager/advisor, politely asking for my money back ?:D

 

If its best to post...do i post to my account holding branch or to a head office department ?

 

Thanks in anticipation

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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I personally don't think you need to send copies of your statements. (I didn't & I got my money back). It's information that they have; and they will already know what they've charged you. You just need to ask for it back with an LBA, and of course stick to your deadline. Don't let them stall you. I sent mine by special delivery, so there could be no question as to whether they received it or not.

 

I would send the LBA here:

 

Mr A Petty

HSBC Bank Plc

Service Quality Team

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

 

U might want to have a look at my LBA in the link below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=11680

 

hope that helps,

 

Lionheart 8-)

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No need to justify yourself at this stage.

 

What I've been doing is printing the spreadsheet, including the column showing 8% interest and including this with the LBA letter to justify both the number of charges but to also point out that failing to settle will bump the repayment up considerably.

 

It's worked for me.... so far!

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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thanks guys.....i will do a little more reading on here before i jump...

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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Hi and Welcome

 

what do you mean ''if you can pull this off '' :eek: reading around is deff the best thing you can do.If you spend a few days reading up on everything , preparing yourself , then less chance of making any costly mistakes

 

please keep us posted on your progress :D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Hi and Welcome

 

what do you mean ''if you can pull this off '' :eek: reading around is deff the best thing you can do.If you spend a few days reading up on everything , preparing yourself , then less chance of making any costly mistakes

 

please keep us posted on your progress :D

 

Lol ..sorry about the wording.It just feels like David and Goliath..... and i've never felt like i can actually get some control over these modern day Dick turpins (Banks/credit card companies etc) untill finding this site :-D

Ty

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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That is how a lot of people felt when they first came here , as you will see from reading their threads.Tell me you still feel like that in a couple of months ;-)

  • Confused 1

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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ok...i feel confident enough now...letter prepared and ready to go in the morning..will keep updating.....:D

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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  • 2 weeks later...

*UPDATE*

 

Ok.. sent prelim. 22/06/06 politely asking for my £968 back,using standard library

letter.

 

I had prepared my lba this morning...then the postie put a letter through my box.

 

"Dear Mac.....

Thank you for your letter dated 22/06/06 requesting a refund of your bank charges of £968.

In order that we can consider your request please provide a full itemised breakdown of these charges to include date,description of the charge and the amount applied.Please also include any proposed new charges that you will have recieved a pre notification advice for.

Thank you again for taking the time to write"

 

A couple of questions...do i have to sent them info that they already have ?surely they should know what they have charged me and if they contest the amount i am claiming ,they should be telling me ?

 

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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It's quicker to just send them the list of charges from the spreadsheet. If it got as far as court, they would just say that you never justified the figure you were claiming, giving them no opportunity to negotiate. This is not considered a "good thing" by the court...

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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It's quicker to just send them the list of charges from the spreadsheet. If it got as far as court, they would just say that you never justified the figure you were claiming, giving them no opportunity to negotiate. This is not considered a "good thing" by the court...

 

I agree... I already had the info at hand and was gonna send it with my prelim.I think i just found a new confidence in myself about how to deal with them,and wanted to make them work.... lol

 

LBA ready to go 1st thing tommorow,complete with a statement of charges including...date,description and amount of charge...using a customised spreadsheet from the library.

 

Thank's for your support

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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**UPDATE**

 

...... Sent a prelim. on the 22/06/06 politely asking for my money back,got a reply saying "in order for us to consider it we need a break down of charges..date ,description,amount".

 

Yesterday i sent them a list of the charges with the above detail's,as they appear on my online statements..ie date TOTAL CHARGES or CHARGE and amount..... I put this info onto a spreadsheet from the library here.(i deleted the interest part,but will use it if i have to file a money claim).I sent them this along with my LBA,giving them 14 days to respond(i also stated in my LBA that i would like the money i am claiming paid back to me by cheque).

Will see how it go's :-)

 

Mac(thank's barracad for changing my thread title):-D

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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nice one, seems as though you are in control of the situation, b.o.l.

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 2 weeks later...

**UPDATE**

RESULT:)

Today i recieved an offer of £850 in full and final settlement.(not far off the £968 i originally claimed).I am going to accept the offer, however....

 

In my LBA i specified i wanted my money paid back to me by cheque.

There letter states they will credit my account within 7 days of them recieving my reply.

 

Am i ok to insist that it is paid by cheque? as i have a managed loan with them which i am happy to carry on paying my monthly payment and i dont want my refund put into my loan account.(I have other more pressing uses for the money)

 

any advice please ?

regards Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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Hi,

Can anyone tell me if it's ok to insist to be paid back by cheque..(as i stated in my LBA).?

if i write to them say something like....

"yes i accept your offer ..etc...as long as you can confirm in writing that as i requested, payment will be made to myself by cheque within x days,otherwise i will have no alternative than to pursue my claim through the courts for the full amount....etc ".

 

any Mods out there pleezzzz ?

Cheers ..

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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You can say that yes, but why aren't you pursuing the full amount?

 

Don't you want the extra £118? Are you happy for them to keep £118 of your money?

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi and Thank's,

When i started out on here, i have always said to myself ,IF i got an offer of £850 or more i would be happy with that.

 

Purely for the reason that i have other pressing uses for the money and that i would be repaid quicker.

 

I would like to pursue the whole amount,however time and cashflow are also factor's.

This was my 1st attempt and i have bigger fish to fry ..lol...and THEY will be for the full amount ...this refund will buy me the time...;) .

 

A donation will be fothcoming as soon as i recieve payment ....

 

Will keep you all informed....

 

Mac:D

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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HI all,

I have been offered a settlement figure that i am going to accept.

 

I have a managed loan with them and dont want my repayment of charges going into that account.

I did specify in my LBA that i wanted repayment by cheque and i am going to reply confirming this otherwise i will continue with court action for the full amount.

 

I just wondered if anyone else had been in a similair situation ??

 

thanks

Mac

 

my thread ... http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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Sounds about right to me! Make them pay on your terms.

Barney2002 - If you want to see how I got my money back, click http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11376-barney2002-hsbc-round-one.html.

 

HSBC

15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!!

OTHERS

04/08 - Conf rec'd from Capital One - sending statements

07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282

10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437

10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.

 

If any advice I give is helpful then please hit the scales - Top Right. Thank you.

 

** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **

 

Visit my site for the full range of Hand Forged Beds at

www.classicsiniron.co.uk

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was your managed loan partially due to their unlawful charges if so claim for that also see http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15457-who-has-had-managed.html

 

LOl ...nope ...divorce....

but thx for the link ...i may have helped some1 else :p

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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Hi all ...

This point may have been raised before ......

DEFAULT AND ENFORCEMENT

"If you do not comply with any default notice we send you under this agreement,we may use any money you have in other accounts with us to reduce or repay the amount you owe us under this agreement."

 

I have requested re payment by cheque in both my 1st LBA and 2nd(giving them a further 7 daysto comply)

 

still awaiting there response ( time is running out before i proceed for the full amount+costs+interest+ a CHEQUE)

 

will keep you all informed...

 

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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*UPDATE*

 

Hi all,

A cheque recieved this morning :D ,

A donation WILL be on it's way.

 

LTSB, watch out , your in my sights

 

Thanks to all the Mods n Helpers on here .

 

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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