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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
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Just so some of you know, complaints are handled within the 12 week period set down by the FOS, FSA and standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.

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not as quick as their automated charges though eh!

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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Just so some of you know, complaints are handled within the 12 week period set down by the FOS, FSA and Halifax standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.

 

I take it you have first hand knowledge ?

I have always maintained that on the whole Halifax have been dealing with things quite well,especially when you consider other banks.

I do however feel that they should have realised,once the claims started coming thick and fast,that normal operations would be affected unless extra resources were put in place to deal with them.

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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if you are a bank employee you need to pm Dave or Bankfodder as the terms and conditions state when you signed up for your account

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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> Entry by Banks and their staff is prohibited. Banks will be allowed to enter the forum so long as they have permission from the Administrators.

 

[ignoring this rule is in our opinion a breach of the Computer Misuse Act 1990 - Section 1b.]

 

Ah well, adios. I wonder how you can be in breach of the Computer Misuse Act, i suggest you read up on the Freedom of Information act.

 

See you in court. ;) Sorry i couldn't be of much help.

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yawn.gifblank.gif

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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No, thats exactly the line i was going at. It's publicly viewable. Therefore i have committed no crime.

 

I don't want an argument here, i was only interested in what people thought, i'm not here to pick fights or anything, jeeze.

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I have moved these posts to a seperate thread as it is unfair on Gooner to hijack his thread.

 

No, thats exactly the line i was going at. It's publicly viewable. Therefore i have committed no crime.

 

Yes the site is publicly viewable. However, you haven't just viewed the site - you have registered and made posts. By registering, you agree to the forum rules, which state bank employees must gain permission to use this site.

 

If you don't like the forum rules, you don't have to stay here.

 

I don't want an argument here, i was only interested in what people thought, i'm not here to pick fights or anything, jeeze.

 

The comments you are posting and the way you are posting them make it quite clear that you are trying to antagonise other forum users and start arguments.

 

If you wish to continue to use this site then contact a Moderator or Administrator to request permission to do so.

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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Guest NATTIE

oneofthem- I know where you're coming from in terms of why post to an admin and it is on the forum rules. So I ask you one question, are you hear to help people on the forum?

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Hmnnnnnnn

A deafening silence

 

:rolleyes:

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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oneofthem- I know where you're coming from in terms of why post to an admin and it is on the forum rules. So I ask you one question, are you hear to help people on the forum?

I think if people were aware of the correct way to register their complaints and get things moving swifter, there would be less upset people.

 

For a start, send all your complaints to customer relations, they'll get scanned onto the system straight away and wont be held up by some [edit] branch manager. You cut out the middle man and they'll go straight to the people reviewing your complaint.

 

I wont go into specifics of how the internal systems work, but just that its outlined in the leaflet you recieve about complaints procedure.

 

Oh, and that we're actually really nice. You never know. You might end up speaking to one of us. :D

 

[MODERATED: No need to make offensive comments regarding bank staff]

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Can i just state, again, i wasn't talking about you getting any information from a bank, i was talking about my legal right to read whatever the hell i like on the internet that is not specifically and securely away from my view."

You don't have a legal right to read anything on the internet, anymore than one has a legal right to read billboards in the street,you have the ability to read it because it's there for all to see.

That statement in the rules is the same as me putting a webpage up saying "You have just viewed my webpage, you now owe me £20, please pay promptly"

 

Not quite, nobody's asking you for £20 here, it's all free.

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The freedom of information act references shows some degree of understanding.

One of them clearly demonstrates a level of expertise in this field,I wonder if the same level of knowledge extends to questions regarding bank penalty charges.?

 

Perhaps you could explain in the same detail as you talk about freedom of information,why the banks do not appear to see fit to reveal how they calculate their charges......whilst still maintaining they are fair ?

 

Is it not the case that a customer has a right to see the breakdown?

 

And if thats not the case then where is the banks arguement......put it on the table then.

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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a pint of milk is a competitive thing if you are selling it..............yet we know broadly how much the farmer sells it for and what price the supermarkets sell for.Thats commercially sensitive but we know about it.

 

Its the banks who choose to make it sensitive..........and their ignorance in keeping it so has a price..........which they are finding out to their cost

 

:D

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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Guest NATTIE

oneofthem- I repeat my question for a simple answer, are you here to help? Feel free to quote me but please answer my question.

Yay or nay?

 

I will make some comments so that you can feel free to respond. I come into Haliax and say that I am struggling to survive and the charges are making my life difficult to keep my head above ground. Will you refund me charges?

 

I know that to myself I would say No. If they are unlawful and I say this to Customer Relations, they will say they are fair and in accordance to the terms and conditions. So would I to myself. Would that be fair? Or should I ask for the help of this forum to get back the charges?

 

This forum have helped hugely. Read the bank survey results, Halifax are likely to hit the £500,000 in refunds. NW now almost £100k

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Just so some of you know, complaints are handled within the 12 week period set down by the FOS, FSA and Halifax standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.

This is not correct. Any bank customer is as entitled to set out any timescales for complaint resolution as is any bank.

 

We believe that the correct way to register a complaint is to send

A preliminary letter of request giving 14 days

A Letter Before Action giving 14 days

Then the Good News

 

It works every time.

 

If the banks are unable to handle the traffic it then they are probably over-trading which is a very foolish thing for a well resourced modern business to do.

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oneofthem- I repeat my question for a simple answer, are you here to help? Feel free to quote me but please answer my question.

Yay or nay?

 

I will make some comments so that you can feel free to respond. I come into Haliax and say that I am struggling to survive and the charges are making my life difficult to keep my head above ground. Will you refund me charges?

 

I know that to myself I would say No. If they are unlawful and I say this to Customer Relations, they will say they are fair and in accordance to the terms and conditions. So would I to myself. Would that be fair? Or should I ask for the help of this forum to get back the charges?

 

This forum have helped hugely. Read the bank survey results, Halifax are likely to hit the £500,000 in refunds. NW now almost £100k

Personally, i completley disagree with the whole thing, and the ruling on a whole. I'm a young lady, and i've never incurred a single bank charge (ironic really), but this entire thing is going to affect me and i'm not even claiming. I dont want to have to pay for a bank account in the future, or incur higher interest rates so the banks can recoup.

 

I ask this, other than natweststaffmember, have any of you actually worked for a bank, and know how internal process works, or are you again just quoting from the legal textbook for dummies a solicitor has provided you with to enact this David & Goliath quest where completley honourable, but totally bereft of any real redressing the balance, everyone just wants to 'stick it' to the banks.

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Guest NATTIE

oneofthem- i'm still asking(feel like Jeremy Paxman) are you hear to help?

Please put yourself in someone else's shoes rather than your own and think how you would feel if you had continually got charged and struggled to make ends meat and then found out that the bank had unlawfully taken charges.

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