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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 
      • 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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Kirsty & Niels v A+L ***WON***


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Hello all :D ,

 

We are claiming for £709 in charges over the last 6 years plus interest totalling £794.75.

 

We have written 3 letters so far using a hybrid of the templates from here and Which? A and L refuse to give us a breakdown of the costs and justify the term 'reasonable' they use when refering to the charges. They just keep saying that the charges were clear in the T's and C's when we opened the account and that the OFT statement does not refer to them so tough luck basically.

 

We are now writing the fourth and last letter before action before. We will use Chester County Court to reclaim the charges. Very nervous about it getting to that stage :-| but if it has to be done, we will go through with it all the way.

We are armed with alot of phrases and statements after hours of looking through this site. Amazing reference point, Thanks!

 

Will post how we get on. Any further A+L experience and advice always welcome

 

Bye for now,

 

Kirsty and Niels ;)

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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:) Hello,

 

Yes, we have a stagnant Abbey account that has not been used for a year but has a balance of about £8 in it. If push comes to shove we can start using that straight away.

 

Thanks fo your interest and i'll keep the forum posted.

 

Kirsty :smile:

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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Hello,

 

A quick update!

 

After our 'letter before action' A & L have just offered us £400 as a goodwill payment :lol: . We are claiming for £795.

 

I think we'll say no and go for the full amount. What do you think? Any advise gratefully accepted.

 

Kirsty

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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Hello again,

 

My husband is umming and arring about accepting the goodwill paymeny of £400 which is half the amount being claimed for.

 

reasons being:

a) we have another major thing going on in our life at the moment

b) would come in handy for christmas

c) less chance of them closing our account after the conclusion of all this

d) we might not be successful with the full claim??

 

Is he/we being to quick? Should we hold out and take it all the way. I'm in two minds.

 

help.... :confused:

 

Kirsty

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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Hi Kirsty

This is really your choice, only you two can make it but personally they are offering you this as they know the majority of people will go the whole way, but every now and then they get away with only paying half. If you do accept the £400 it does not mean they will not close your account anyway as you do not accept the terms and conditions (which is what they say when they are closing the accounts!)

£400 is a lot of money and it may be worth taking a look at the successful threads to give you a bit of a boost.

After doing my MCOL i received a letter saying they intend to defend and was then paid out two weeks after this and i am still awaiting them to close my account, which they said would happen on 20th October!!!

 

Please have a good think about this before you decide and keep us posted.

I hope this has helped. :)

  • Haha 1

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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Hi,

 

We have decided, after a couple of days of weakness, to go for the full amount - all the way!!

 

So a second LBA letter is off to them tomorrow rejecting their offer giving them 14 days to respond and then its MCOL time.

 

Keep you posted,

 

Kirsty :)

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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Hi,

 

We have decided, after a couple of days of weakness, to go for the full amount - all the way!!

 

So a second LBA letter is off to them tomorrow rejecting their offer giving them 14 days to respond and then its MCOL time.

 

Keep you posted,

 

Kirsty :)

 

Good for u :)

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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Hi,

 

Managed to get together all dates involved for my signature.

 

Kirsty

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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Eeerrr nothing is happening. I have done the signature in editor and prviewed it. Alls ok there.

'show your signature' is ticked when doing this and previous message but nothing is coming up. (also did a picture thingy for by my name and thats not working either)

 

Any suggestions?

 

Kirsty:confused:

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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The signature will only show on posts with over 100 words, and also wont work until you've made a certain number of posts......I think it's 50.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Guest ian cognito

A&L seem to be systematically paying up after court claim is submitted and they acknowledge and intend to defend so keep at 'em.

 

Not closed my account yet either, despite my taking £2.5k off them, then another £184 in additional charges and writing to withdraw my premission for them to take any more charges from my account! think they're beginning to realise they'll have no customers left soon?

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Hi,

 

I find it really strange that A+L spoke about refunding customers before actual court dates on a radio programme. Which bright spark did that, and then expect people not to start clawing back all their charges :confused:

 

Regards,

 

Kirsty

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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Hi,

 

I find it really strange that A+L spoke about refunding customers before actual court dates on a radio programme. Which bright spark did that, and then expect people not to start clawing back all their charges :confused:

 

Regards,

 

Kirsty

 

Hello Binker(or anyone else who may know)-

Which Radio prog was this and when, please?

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Hi,

 

It was something i'd read by 'Bankfodder' the administrator on the thread entitled 'Re: Faq's - Rules of Engagement' he posted on 10th June 06 stating "A&L announced today on radio that they will settle any claim that is made"

 

Extra info would be good. Which radio programme?

 

Regards,

 

Kirsty

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi,

 

Thanks very much for the information Caro.

 

Kirsty :smile:

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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  • 2 weeks later...

Hello,

 

9 days into the 14 we gave on our LBA and heard nothing from them. All our other letters were answered within a couple of days so don't know what they are pondering on this time.

 

Starting to think about the MCOL now. Is this an easy/straightforward process?

 

I have read a couple of you saying get this started before the 14 days and then 'activate' it on the 14th day. Is this possible? Is it advisable?

 

Thanks,

 

Kirsty :)

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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Hello,

 

Congratulations, just in time for a nice Christmas....drinks are on you ;) !!

 

Kirsty

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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Hi,

 

Thats another thing, why in this day and age do cheques take so long to clear :confused: !!!

 

Kirsty

Any advise offered is purely out of interest and personal experience. Professional advice is always recommended.

Bank charges claimed:

 

A+L - Jan 07 - ** Settlement cheque received **

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