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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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Doublemum V IF


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Hi all

 

New to the site, so thought i'd say HELLO!

 

I am just about to send my letter off requesting my bank statements for the 6 years, bit scared by it all, but feel i must do this if they are ripping us off!! I'm sure they must owe me in excess of £1000!!! Better in my account than in theirs!

 

Just a few q's tho i'm afraid!

 

Do i address things to Halifax or IF?

 

Do i send them £10 or do they take it out of my account?

 

Is this bunch easy to deal with or will i have to fight them to the bitter end???

 

Thanks in advance, wish me luck!

 

Lorraine

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  • 3 weeks later...

I wouldn't worry about it, you have the ticket to show it's been posted.

 

Press on, you will win. I've had 2 wins against IF now.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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After receiving another charge today i decided to ring them up to see if they had recieved my letter

 

Spoke to man in customer services he knew exactly why i was asking for them & mentioned that they have been given a date of 28th August & that all charges before that date are legal!!!!! I just said well i still want a copy of statements or charges, there were no notes on my account of it being recieved so he would pass it to complaints dept.

 

About 5 mins later the same guy called back to say that he had spoken to dept that is dealing with it & they had actually got the letter on the 20th, 8 days after i posted it (12th) 1st class & they had 40 days from that date to give me info.

 

Now do i count the 40 days from when i posted it or the date they say (?) they received letter???

 

Also has anyone else heard about this date that i mentioned above??

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The SAR response time is 40 days from the date on which a correctly made and fuly paid up request was recieved by them.

 

I don't have any idea where they get this date of 28th August, it's new on me.

 

I find that with any organisation whatever they tell you over the phone is usually just so much crap. If you don't like what they are telling you then ask them, politely, to please put it in writing - needless to say, they won't!

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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  • 3 weeks later...

Well got my list of charges today along with tho postal order i sent them, saying that there was no charge.

 

Not as much as i thought, i obviously haven't been as bad as i thought?!?

 

So off to read a bit more about the next stage, LBA i guess!

 

Would be lovely to get this before xmas, would help out loads!!

 

Also does anyone know what i do with returned PO? its made out to IF so not sure if i can cash it back or can i cancel it & get money back?

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  • 1 month later...

Hi All

 

Well i sent my request for payment letter off to IF & i've had a reply today offering half the amount back. I don't want to accept this so just need a wee bit of advise as to which letter i send now

 

Do i send the refusal one then the LBA or just the LBA with a little bit in it refusing offer??

 

Thanks in advance!

 

MERRY CHRISTMAS TO YOU ALL & A HAPPY NEW YEAR!! :grin:

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Hi All

 

Well i sent my request for payment letter off to IF & i've had a reply today offering half the amount back. I don't want to accept this so just need a wee bit of advise as to which letter i send now

 

Do i send the refusal one then the LBA or just the LBA with a little bit in it refusing offer??

 

Thanks in advance!

 

MERRY CHRISTMAS TO YOU ALL & A HAPPY NEW YEAR!! :grin:

 

Personally, if it's been 14 days since your initial request for payment letter I'd just send them the LBA for the ful amount. You haven't recieved a favourable response so you are only doing what you said you would in your presious letter.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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You can of course send both letters together,but I found that a little tinkering with the Lba by adding the refusal in there will suffice.

The 14 days now signals the next step and theres no reason why you cannot get this out straight away.

Either way you are getting close,and are possibly within sight of the money inside 3 to 4 weeks allowing for the holiday:)

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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  • 3 weeks later...

Well had a very quick reply to the LBA!!! Saying that they were not able to refund me all of my charges, surprise! Now just one thing (not sure if i made a cock up?!?) They offered me half of what i'm claiming & i refused that saying i wanted all of it, now should i have taken that as prtial payment?? Does it really matter? :confused:

 

So do i just go to court now? Bit scared now :(

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Makes no odds, you can take the partial payment and pursue the balance or refuse it and pursue the lot. I have a cheque here from MBNA they sent me, although admittedly without my agreement, that I'm not going to cash as I'm going to pursue the full amount. I'm not in any rush.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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