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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 
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    • 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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And so it begins...


whitemouse75
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I've decided to join in the fun and after finding this site today i have already sent off my data protection act letter for my if account which i closed about 2 weeks ago. dont think i'll have as much as some people on here, but i opened the account when if.com was launched (99/00?) and they hammered me for a while before i got fed up and went to first direct.

 

here's hoping for some money to ease the pain of my upcoming house move!

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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DPA letter delivered today.....

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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cheque cashed today....

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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halifax at leeds, still no statements though

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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  • 2 weeks later...

hmmm, just called if to see where my statements are, they said they know nothing about it. a 20 minute phone call revealed nothing other than they arent related to halifax (?) and as halifax cashed the cheque i should contact them and ask for the money back, then start again using the livingston address.

 

 

any contacts for halifax at trinity road?

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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I hope this is the right forum to be on. I sent my letter last week to IF requesting that they pay me back all charges incurred and they've tried to scare me off with a "no because they were in your T & Cs" letter.

 

I have just draughted my LBA and will post in a min.

Is this standard practice for all banks? I've got a bigger claim to put through on Abbey yet and i thought i'd start with this as it would be easier!! Also, recieved a letter today informing me of a new charge of £30 as there wasn't enough money in to cover my £36 DD - so they didn't pay it and have charged me. Should i call them and request refund right away or will it jeapordise my claim?

 

Any opinions grateful

L

 

Abbey Bank - £1597

IF - £477.36 Letter 1 sent 31.08.06, LBA sent 07.09.06

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I wrote to the Halifax some time ago to receive details of charges they said to get this information I have to pay £5 and they will send me copies of statements. Is this right? I begrudge giving them anymore of my money. At the time of writing to them I hadn't looked at this website so there is no mention of the Data Protection Act in my letter will this help or do I really have to give them more money to get it back from them?!

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  • 1 month later...

OK, after my first attempt ground to a halt because i sent the £10 to halifax (which i still havent got back!) i'm about to send off another DPA letter to IF at livingston.

 

 

better luck this time!!

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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not sure why, but got a charges breakdown dated 20/10 today, which was the day i posted my DPA, with a £10 cheque enclosed!

 

 

total charges £638.

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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Am interested in your claim whitemouse75.

 

I have an IF account and should my Nationwide one be successful then it will be all hands on pump......haha

25/10/06 - S.A.R - (Subject Access Request) Posted vs Nationwide

31/10/06 - Confirmation S.A.R was Received.

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Paid my court fees at the beginning of this month to take IF to court. Was surprised to see that they wanted to file a defence. Didn't hear anything from them until today when i looked into my account a £635.11 cash has been paid in. Doesn't say who or where - but i think it could well be my charges, court fees & interest.

Will keep you informed.

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well done chick, not bad, about 6 weeks??

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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reply to prelim received today, standard fob off from ms kerr-sloane. now then, how do you summon the patience to wait for the 14 days to be up, even though they've already replied?

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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unusual letter arrived today, thanking me but returning my cheque of £10, and as they have already sent me a cheque for £10, in effect they have paid me £10 for requesting my charges!!!

 

anyway, LBA sent today

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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  • 2 weeks later...

no reply so far, so i guess if i hear nothing then i just go ahead with the mcol on or after the 20th??

 

i dont like the if forum, its so bloody quiet!

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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letter received today offering 25% of claim as a goodwill gesture....

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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letter received today offering 25% of claim as a goodwill gesture....

Refuse this in F&F but accept in partial settlement - the ywon't pay it anyway , give them a further 7 days make it clear in your letter that you wil lbe filing claim on 8th day.

Consumer Health Forums - where you can discuss any health or relationship matters.

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ok, 7 days from the letter refusing it in f&f?

 

 

and is there a good letter available in the templates for the refusal, or shall i stop being lazy and have a look myself?

 

and why has my signature disappeared?

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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found the letter, i think i'll send it directly to ms kerr-sloane as she has replied to my last 2

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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thanks matey! just printed off the old rejection letter, all been so easy so far

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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ok, sent my letter on the 18th, signed for on the 21st so i'll give 7 days from that date.

 

all help with preparing for the the next step greatly appreciated!!

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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got a letter back saying sorry i dont accept the 25%, now go away. moneyclaim time....

 

ALLL HELP AND ADVICE APPRECIATED AT THIS POINT!

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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