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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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maisielou -v- First Direct | Settled In Full


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Hi

Im new here must say what an excellent site:)

I sent a letter to First Direct about my bank charges and was more or less told to s*d off i will now write again giving them 14 days .....and see what happens this time

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

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It's funny really - Barclays used to take it to the last second - now they offer half straight away.

 

First Direct, from what I've read in here ;-) used to give in straight away, now they argue for a bit, then give in.

 

Funny old game.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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I have just had another look at my charges and on the 25th August 05 they charged me £75 excess overdraft fee £30 overdraft fee and 76p interest

£105 76p in one month:-x .....think im in the wrong job????????

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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now they are digging there heals in about sending me my back statements!!!!!:evil:

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Thank you i will do that...:) ......... but i need to go back a bit further i will give them a few more days then ring again

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Good luck - I hope you get back everything you deserve, as i hope the rest of the people on the site get.

 

I have got an initital letter to First Direct & Marbles with them, 13 days and counting!!!

 

I am working out the charges from Capital one (but I only have the last 7 months statements but that totals £500 in seven months of charges etc so have asked for the last 4 years worth of statements - whcih they have said they will send surprisingly!) and I am writing to Style and Barclaycard asking for statements and I am sure I have been collared for loads with them - no wonder I am in debt!

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Fingers crossed.hope you hear soon i am waiting to hear from Barclays (sent first letter yesterday)that one come to over £5,000.....what i could do with that :)

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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same here........just been dreaming of that hot sandy beach lol:grin:

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Keep going with First Direct. You will get your money back, been there, done that... :)

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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Thank you thats just what i need to hear......will post my updates

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Thank you i will do that...:) ......... but i need to go back a bit further i will give them a few more days then ring again

 

Don't give them any time... They will use every trick in the book to slow you down in the hope that it becomes too tedious and you will give up. Find the DPA letter and send that to them by both secure messaging through their site and by snail mail. They MAY charge you up to £10 for it but they certainly didn't charge me anything and they couriered (sp?) them out to me within days.

 

Don't let them slow you down. They have YOUR money and you want it back as soon as possible. It's currently sitting in their accounts earning them more interest when it should be in your account. :evil:

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DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Thanks Dinghy......I have just copied the DPA letter and sent it by secure and snail mail :) your right it MY money and i want it back :-x

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Just received an email from First Direct..re DPA request.......... they have passed my email to there lending dept??? whats it got to do with them:confused:

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Just received an email from First Direct..re DPA request.......... they have passed my email to there lending dept??? whats it got to do with them:confused:

 

If it was me I would reply asking them that exact question...

 

Did you send them £10 or authorize them to deduct it from your account ?

 

ATEOTD remember they've still got the same timetable regardless of which department is dealing with it...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Yes i sent a cheque for £10 last week didnt hear anything so emailed yesterday...as of yet they havent cashed the cheque :x

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Yes i sent a cheque for £10 last week didnt hear anything so emailed yesterday...as of yet they havent cashed the cheque :x

 

So you are fine... It's irrespective which department they send it to... They still have 40 days to comply. :D

 

As I said above I would probably ask them why it's gone to the lending department.... Really all you want is the information and then your money back and if you can assist them in getting that information/money back to you as soon as possible...

 

A law-suit is not really anything anyone wants to go through but need to accept that it may be neccessary !

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Sent email asking why they have forwarded my email to the lending dept................will wait and see there reply

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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now i really dont know what to do !!!!!!!!!!!!!!! in the post this morning received a letter from the Financial Ombudsman Service about my complaint with First Direct.......do i fill it in..... or wait...... im still waiting for my DPA dont understand why i have received this...............HELP:o

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Dear Financial Ombudsman

 

I have not made any complaint with First Direct; I have merely submitted a Subject Access Request under the Data Protection Act.

 

Thank you for your interest.

 

Yours...

 

 

Dear First Direct

 

you will recall my Subject Access Request of . As yet I have received no reply. Please be aware that your statutory maximum 40 days to complete this request began on , and therefore expires(d?) on .

 

I look forward to your timely response.

 

Yours...

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Thanks very much will do that right away

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Received letter from FD today

They are sending the information free of charge and will be sent by courier

"ROUND ONE"

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Thanks

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