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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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Just received a letter is this usual? Guess what, it is


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The best one has to be the first of these that we receive back.

  • "We are happy to waive any fees for production of this information (and we return your payment enclosed with your request) :D
  • If you are not satisfied with the bank's response you should now refer your complaint to the Financial Ombudsman Service, as this is represents our final response on this matter... LOL (Please take this action they are saying and not court action as we will win if you go to the FOS LOL)
  • WE MAY charge a fee for reviewing your account which is to cover our management and administrative costs
  • We will not be refunding any fees charged. If you wish to take this matter to court, that is a matter for you and you alone. We will defend any action taken and will enter into no further correspondance regarding this matter, but will pass your county court summons to our solicitors to deal with. (so i do this and the next thing i recieve is a full refund with just a note saying with Compliments:smile:)

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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These little gems came from NatWest (well Stuart Higley and Michael Duncan)

 

We are concerned thet the OFT has publicly called into question the setting of charges....(i bet you are)

 

The OFT has restricted its investigation to credit cards and made no attempt to consult with the RBS group or the industry in relation to other entirely different products. (hmmm if you say so)

 

I can find no instance where charges have been applied when they were not properly due. (i can....quite a few)

 

I note your proposed course of action. I have alerted our lawyers and litigation department accordingly. (thanks)

 

We do not accept that our charges are unreasonable, unfair or unlawful but on the contrary are applied in strict accordance with our published tarrif...(ok....then why did you give me my money back then)

 

 

Oh well....:D

NatWest:

**£466.28 Settled In Full 21/08/06**

Halifax:

**Full settlement of £107.52 offerd and accepted 25/10/06**

GE Money:

**£48 settled In Full 19/09/06**

Barclays Bank:

**Full settlement of £90 offered and accepted on 24/10/06**

Alliance & Leicester:

**£170 Refunded In Full 17/09/07 (Charges due to bank error but still had to fight them for almost 3 weeks to get back)**

 

"Thin-de le'hasuan 'aloun'myin-del bpi-de gka-de hasou-de paya"

"Learn the gifts of all sights, or finish in the dance of the fallen gods."

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From Egg:

"The claimant is put to proof that her loss as result of charges is £166.75 as alleged"......errrrmmm....you take £166.75 from my account and you want me to prove my loss of £166.75 ??

Lord, give me patience!

 

And from NatWest:

"We cannot agree to refund these charges as we have made gesture of goodwill to you before"

 

Huh? Ejets.

 

 

And the all time classic:

"Our charges are published."

 

And?.....

[sIGPIC][/sIGPIC]

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We are sorry you are unhappy and we aim to respond to you sometime in the next 13 years. Hopefully by this time time you will either;

 

a) have got bored and given it up as a bad job

b) left the country and forgotten all about it

c) won the lottery

c) have died

 

In the mean time, please find the enclosed leaflets and I hope that by the time you have read them and had a translator and solicitor go through them, the laws will have changed in our favour.

 

This is what they really mean!!:p

If you think I have been any help at all, click my scales, go on.... You know you want to! :lol:

LLoyds: (Husband) - *Settled in full* 20/12/06

Halifax: (Mum) - *Settled in full* 05/12/06

Studio: *Settled in full and more* 09/12/06

GE Capital - *Settled in full* 16/11/06

Barclays: - *Settled in full* 04/01/07

Capital One: - *Settled in full* 02/02/07

MBNA: - *Settled in full* 30/01/07

Yorkshire Bank (Friend) - *Settled in full* 30/06/07

LLoyds TSB x 3 in progress (Friend x 2 and Husband again)

Abbey National in progess (Friend)

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i am sorry you have not accepted our generorous offer

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Since we are bound by the Ombudsman's decision but you are not, it seems to me that going to the FOS remains a cost-effective way, in many cases, to arbitrate a mutually acceptable resolution to a concern.

 

I'm sorry you remain unhappy

 

I have reviewed your complaint in the light of the additional comments you have made but do not feel that they materially change our position

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Although we feel £20 is a just fee, we have reduced our charges to £12 so we are in line with our competitors. Go on! and they reduced their charges to be in line with you. How sweet!

 

Elsinore

 

except the HSBC .........who still charge 30 quid for an unpaid cheque !

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 full report or and UPDATE of our PROGRESS will be sent to you in eight weeks. (not even an answer)

 

These statements are therefore not retaines in a relevent filing system.......The information is complete in respect of the above account at the time of extraction (smaking great contradiction there, Time of extraction not request????)

All done I think

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"thank you for you letter...we are currently dealing with your complaint..."

 

What complaint? :|

I only popped a £10 cheque in the post along with a S.A.R - (Subject Access Request)... no complaints from me my friend - I haven't totted up the charges yet...

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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"thank you for you letter...we are currently dealing with your complaint..."

 

What complaint? :|

I only popped a £10 cheque in the post along with a S.A.R - (Subject Access Request)... no complaints from me my friend - I haven't totted up the charges yet...

 

Ha Ha .......they are obviously trying to get on top of their game......amazing...

 

After the number of letters they have had for Sars tho.......they may just have started to put two and two together now....................;)

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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  • 2 weeks later...

"Thank you for contacting us and I am sorry that you have been so unhappy (too dammn right I`m unhappy!) that you have felt you must complain"

 

"High quality customer service is of great importance to us"(Don`t make me laugh)

 

"Although I do not know what the outcome will be (I do, want to share my crystal ball??), I do hope that we will be able to find a solution that you are happy with" (I hope you give me my money, and stop trying to give me the run around)

 

"We will write to you in 4 weeks time to let you know what is happening" (Don`t bother, I`ll be writing to the court in 14 days, then they will wite to you, see how you like that!)

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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We know this might not be the response you were expecting...........Actually it WAS the response I was expecting...........the same letter has gone out to 1000s of others............:lol: :lol: :lol:

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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Some gems I've received recently:

 

The offer is made without admission of liability on the part of (but you're paying up nonetheless out of the goodness of your heart)

 

We view our terms and conditions as fair (yeah, right)

 

We have always set out precisely what our charges are (but we don't care whether they are legal)

 

Our charges that you agreed to are valid, fair and enforceable (prove it)

 

I enclose a copy of 'Our Commitment to You' (we will charge what we like and close your account if you're not happy)

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I really liked this one...

 

'I suspect that this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking the time and troble to contact us'......

 

from no other than the condescending **** Stuart Higley

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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A response from my bank implied it did cost £39 for an automated letter via e-mail. Are they using a premium rate dial up service???

Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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