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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.

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      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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Brooksdad v Woolwich


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Hi Hughes

I see Tamadus has been been giving guidance and he is very good just follow what he said read what he has posted and go from there.

Do not I say again, do not talk to the DCA's on the phone if you have caller id cut them off, just deal with them in writing.

Keep a log of when and how many times they phone a day, a week. If its more than 3 times a day there is legislation to stop this, and it will stop them and let me know how you get on.

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

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi again

This thread, i believe it is quite long, will tell you about claiming over 6 years take a look, keep a pen and paper near by and pick out the important bits.:)

 

http://www.consumeractiongroup.co.uk/forum/general/3598-do-you-have-charges.html

 

AL

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

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Phew! Just read through - a lot to digest, tho. Lots of info and advice.

40-day DPA request Notice up next Sunday (21st Jan). Do I need to give them reminder, a push or just wait. Their response letter said they would furnish request by 30 Jan. Can a pal please advise?

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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:) HOLD EVERYTHING - Just got postie calling! Letter from Woolwich.

They've responded. Glory be! Will digest and come back. (£4603.50 in ILLEGAL charges, they say. The response is short of the 6-year request by a couple of months.

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Have now prepard my letter - Preliminary approach for Repayment - I am about to send to Woolwich. My claim: £4603.50 (their returned figure to me) plus period not disclosed within 6-year limit, £570.90 more - total £5174.40, plus £315 (known) charged in overdraft interest - Total £5489.40. What is 'schedule of charges' to accompany my claim, outside what is in my letter. Is this a copy of charges list furnished by Woolwich or my personal diary of recorded charges?

Would love some further guidance before sending my claim.

Still haven't sent my letter to DCA. Should I do so at same time? All ready to go!!

 

PLEASE OFFER ADVICE - ASAP. :confused:

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Schedule of charges is just a list of type of charge , amount and date.

 

Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

and visual guide here:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

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Have now prepard my letter - Preliminary approach for Repayment - I am about to send to Woolwich. My claim: £4603.50 (their returned figure to me) plus period not disclosed within 6-year limit, £570.90 more - total £5174.40, plus £315 (known) charged in overdraft interest - Total £5489.40. What is 'schedule of charges' to accompany my claim, outside what is in my letter. Is this a copy of charges list furnished by Woolwich or my personal diary of recorded charges?

Would love some further guidance before sending my claim.

Still haven't sent my letter to DCA. Should I do so at same time? All ready to go!!

 

PLEASE OFFER ADVICE - ASAP. :confused:

 

As Michael has said the schedule of charges is just a list of the type of charge, date and amount. If you run it through the spreadsheet it will calculate how much extra interest has been accrued due solely to the charges.

 

once you have the schedule SEND it along with your prelim letter of claim. It sounds like they are already acknowledging most of it :D

 

Give them 14 days in your prelim and if they dont respond fully don't waste time but send the LBA immediately the 14 days is up.

 

Dont forget to put in the prelim that the default was registred as a result of the unlawful charges and should be removed as part of your claim.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Phew, again: Just completed Spreadsheet input and have printed a copy. My, my, it does look loverly! Still want to reconcile SS against figures in Preliminary approach for Payment letter. Will info thread soonest. ;)

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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I've done it! Sent off my Prelim Letter to Woolwich x Registered Post along with Schedule of charges. All checked and cross-checked. Amount requested is £5174.40, taken in illegal charges. (8% interest yet to be added at next stage).

 

I also posted my letter to DCA informing them I do not acknowledge their accounts and accounts are 'in dispute.'

 

Wish me well, as I do to all claimants: GOOD LUCK, GUYS. and thanks to all for their support and advice so far. :)

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Well done Hughes now the bulk of the work is done, your day will come :D

 

AL

 

Looks like you and PaddyM could be having Sunday lunchtime drinks;)

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

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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chance would be a fine thing im saving it all up Al for when you come over im gonna try and get down to Bantry for the weekend with her in doors ! lol :D

if my advice has been of any help to you then please click the scales ! Thank you :D

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ADVICE PLEASE: Can I open Registration/Thread for Daughter on my computer to start ball rolling - or not?

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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About to prepare my Spreadsheet (inc 8% interest) for next stage in my claim. Can anyone give me a reference where to find in library. SS I have opened don't readily calculate tot as I enter data. Pse advise. :)

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

and visual guide here:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

This normally works fine. The only thing I can think of is that you may have deleted/altered a formula. All I can suggest is that you open a new s/s and try again.

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Ta Michael: Found and successful input of figures. Now to take my time and double-check while I await bank response - due by 5 Feb 07. :oops:

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Well done Hughes your almost over the worst bit filling out the ss's is a bit daunting but well worth the effort to regain your money.

Keep in touch.:D

 

AL;)

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

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Have just had postie. Got response from Woolwich - will digest and seek further advice on this thread soonest.

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Response from Woolwich (Michele Wallis?) is the usual Blah - 'we are sorry that you feel LET DOWN . . . we would explain what happens next re (my request) received by them 22/01/07. . . fully investigating . . . aim to resolve by 19 FEB 07(!!) . . . in meantime please contact . . .'

 

Expected response from them (after 14 days) is Sun 4 Feb 07. They say response 28 days!! (19 Feb 07)

 

Please advise: LBA + schedule (I have ready, inc 8% interest) do I still send after 14 days even tho awaiting their initial response? ;)

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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