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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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gerarddobbin v Royal bank of Scotland **WON**


gerarddobbin
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Hi everyone

 

gerardobbin here

 

The Royal bank of Scotland have 2days left since i sent LBA letter. Have heard nothing yet.

I have looked at the information provided on this site but am wondering if it is the N1 form next or the MCOL form. I'm a bit confused from reading other peoples threads the other day.

Also do i have to pay anything with the N1 form and where do i send it.

Please could someone go through the next stage with me by writing it down on a thread for me as i am finding this next stage a bit daunting. Its easy for some people to understand things and it comes easy to them. I just don't want to make any mistakes or waste any time with any of this.

I am also claiming for bank loan interest and administration fee of over £2000 which was forced on me due to the charges. It took the bank four times before they got the loan correct making me sign four times. One time they even came to my place of work to sign for the loan. If thats not putting pressure on someone to have the loan at a high interest then i don't know what is. When filling out form what do i write regards the loan interest and where on the form should i put it?

Please someone help. Thanks ever so much. Look forward to hearing from someone.

Oh by the way, this is my first thread which i keep hearing people say to do. After i have sent this where would i find it to update people. Don't know if this is a stupid question or not. As i said, some people find the internet easier then others.

 

gerarddobbin

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Ok wecome to the site.

First of all .......I have given you a new thread title so people can see you are now onto the claim.

It is not unusual for RBs not to reply to the lba.

You have to decide as to whether you want to file the claim online or on an N1 at your local court.

You can file online if you do not want to have default issues dealt with as well,if the claim is under 5K and if you are not eligable for exemption from paying the fee.

If you want to file in your local court you will need to fill out 3 copies of the N1 and take to your local court.

They usually accept payment by cash or cheque.

Online payment can be made by credit or debit card but not Visa Electron.

There are help topics on the forums about filing your claim.

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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Hi RBoS Customers

 

Maybe one of the fasted claims claimed?

Well i was on the next stage of my fight for charges and loan interest, when a letter was at home from good old Tommy Mc giving back my charges plus interest £2770.

This could not have come at a better time as i did not have the funds to pay for the N1 and had no card to pay on the MCOL. God only knows how long it would have been untill i had enough money to continue with my claim.

I have accepted this as this is all my charges and interest back. I was claiming for loan interest and administration fee but i have not read anywhere on this site yet of anyone claiming this and getting it back. Also did not want it to cause my claim for charges to drag out or even go to court over the loan interest and admin fee.

1. October 30th 2006 Subject Access letter sent.

2. Nov 3rd 2006 Preliminary letter sent.

3. Nov 10th LBA letter sent.

4. 20th Nov 2006 won £2770.

To anyone who is claiming there money keep going you will get it back. Hopefully before Xmas. Seems like they maybe stopping sending people offers and give them what they are owed and asking for.

Thanks to everyonr who has helped me on this site. Everyones threads are a great encouragement so please keep putting them on the site for others to read.

Once again thanks consumer action group.

 

gerarddobbin

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Congrats:)

hope mine goes through that quick it would be the best xmas ever if they offered me the full amount in the next few wks! they probably won't tho coz they won't want people 2 have the money for xmas :mad:

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Hi RBoS Customers

 

Maybe one of the fasted claims claimed?

Well i was on the next stage of my fight for charges and loan interest, when a letter was at home from good old Tommy Mc giving back my charges plus interest £2770.

This could not have come at a better time as i did not have the funds to pay for the N1 and had no card to pay on the MCOL. God only knows how long it would have been untill i had enough money to continue with my claim.

I have accepted this as this is all my charges and interest back. I was claiming for loan interest and administration fee but i have not read anywhere on this site yet of anyone claiming this and getting it back. Also did not want it to cause my claim for charges to drag out or even go to court over the loan interest and admin fee.

1. October 30th 2006 Subject Access letter sent.

2. Nov 3rd 2006 Preliminary letter sent.

3. Nov 10th LBA letter sent.

4. 20th Nov 2006 won £2770.

To anyone who is claiming there money keep going you will get it back. Hopefully before Xmas. Seems like they maybe stopping sending people offers and give them what they are owed and asking for.

Thanks to everyonr who has helped me on this site. Everyones threads are a great encouragement so please keep putting them on the site for others to read.

Once again thanks consumer action group.

 

gerarddobbin

 

R U Shore your havnt mis calculated and missed a few thousand worth of charges out. They must be hiding something.

 

Happy spending

7 actions in progress

 

amount refunded so far £6500

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fluffycabbage

 

Its the subject Access letter asking for the last 6years statement then the preliminary letter okay.

Go to the sites libarary for details of order of letters. This will help to make sure you do not make mistakes and hold up your claim. Don't worry just start again.

Good luck.

 

gerarddobbin

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Yes, you must refuse this offer and wait just a little longer. They will pay up in full. They have offered you less than half! Dont forget its all your money that they unlawfully took from you. Write back refusing the offer or accepting it in part payment only.

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Hi im new to the forum, can you please tell me how i start the reclaim of my charges from the rbs and were do i look on the site.

 

Sorry about asking its just you have won your claim and i thought you would be the man/woman to ask.

 

Regards.

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Qmart. You need to start your own thread and then you will get lots of help from other users of this site. You need to go into the home page and then into the forum for your particular bank and post a new thread. You start to reclaim your bank charges by sending your bank a SAR request. Go into 'archive' at the bottom of this page and then into 'bank templates'. You will find the SAR (Subject Access Request) letter there. Copy the letter and change it to include your own details. Send it to the bank with a cheque/postal order for £10. This is your first step. Make sure you send it by recorded delivery so they cant claim they have not received it.

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  • 1 month later...

Hi to everyone currently dealing with claims against RBS.

 

Claiming for £3724.38 and have been offered £2000.00 from bank via letter from Cobbetts. Can anyone advise me on whether accepting part of payment with LBA letter would swing more in my favour rather than total refusal? Would the court see this as not trying to resolve the case before it gets to the hearing date? Also I notice on LBA template the address is to the Bank rather than Solicitors, should copies be sent to both and to the court also?

:confused:

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What you need to do is write back to the solicitors saying that you accept this as part payment only on the clear understanding that you will pursue with your action for the remainder.

 

You really do need to start your own thread. This one is just about closed because the original poster has had settlement.

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Congratulations on your very speedy claim! I have just started mine and I really hope that my claim will be settled as quickly. Perhaps the realisation is that all the time and money spent in defending these claims is pointless and it is easier to just pay out? After all, solicitors are hardly cheap....! Well done, me old mucker, Sugar:p

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