Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Response from Intelligent Finance

susanmom

By susanmom
in Other Institutions

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6568 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

susanmom

susanmom

Posted
Posted

Hi

 

Sent off preliminary approach letters to Intelligent Finance for my account (£419) and my husband's account (£88) on Monday and today (Saturday) received the following in the post:

 

Account number XXXXXXX

 

I refer to your recent request for us to review the charges that have been applied to your current account.

I write to advise you on this occaision after careful investigation, the charges were applied correctly to your account and therefore will remain.

I appreciate the comments made in your letter but would refer to our terms and conditions page 20 section A.9 Charges and Expenses. On opening your account you would have agreed to our terms and conditions. You would have also been provided with our interest rates and charges booklet listing details of our charges.

 

Have they missed the point?

Do I proceed directly to LBA?

 

Thanks

 

Susan

susanmom

Halifax £2256 LBA 22/5

Accucard £80 LBA 22/5

Intelligent Finance £507 LBA 22/5

Intelligent Finance card £170 LBA 22/5

Citicards £175 LBA 22/5

CapitalOne £220 Prelim 22/5 £60 refunded

Cahoot Loan £90 settled in full

Barclaycard £72 LBA 22/5

Paragon Personal Finance £1701 Prelim 16/5

Link to post
Share on other sites
Spiceskull

Spiceskull

Posted
Posted

Hi Susan,

 

It's not so much that they have missed the point, more a case of they haven't got a clue what the point is. I would continue with your timetable, and send the LBA on the due date.

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

Link to post
Share on other sites
  • 2 weeks later...
slammiman

slammiman

Posted
Posted

Hi,

 

I've just had a similar responce from IF and am now in the process of doing the court claim, but it says it will get refused as it is outside England and Wales.

 

Can somebody please tell me what to do with this one...... please!

 

It's a bit daunting all this court business but I'm feeling confident. I am claiming charges of about £450 from IF and Halifax so should be worth it in the long run!

 

Thanks

Susie

Link to post
Share on other sites
cableguyjim

cableguyjim

Posted
Posted

I got the same response from IF, unsurprisingly!

 

My claim has been issued against Halifax plc, at the registered office given on all correspondance from IF.

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07

 

Total charges refunded (inc. Interest) - £6,831.98!

Link to post
Share on other sites
polar_b

polar_b

Posted
Posted

I've just had a similar responce from IF and am now in the process of doing the court claim, but it says it will get refused as it is outside England and Wales.

 

Interesting. Do you have a copy of the terms and conditions? A contract normally states that if there is a dispute this should be settled in the court of X country. Sometimes it will only say that the terms are governed by the laws of X country, for example England and Wales.

 

I also bank with IF so I will try and see if I can find my copy of the T&C.

Link to post
Share on other sites
loochiemoo

loochiemoo

Posted
Posted

Intelligent Finance is a division of Halifax. It's not a separate legal entity. Therefore you make your claim to the West Yorkshire address.

 

By the way, I have sent my LBA for approx. £600 and IF have until 7 June to respond. I have been sent a "holding" later saying they are unhappy to hear about my complaint and are looking into it....

Link to post
Share on other sites
susanmom

susanmom

Posted
  • Author
Posted

Hi

I am due to issue moneyclaim tomorrow for IF and their card services. Could anyone advise on the correct address in light of some discussion on this thread about not being able to issue summons in Scotland, and therefore having to use the Halifax address?

 

Regards

Susan

susanmom

Halifax £2256 LBA 22/5

Accucard £80 LBA 22/5

Intelligent Finance £507 LBA 22/5

Intelligent Finance card £170 LBA 22/5

Citicards £175 LBA 22/5

CapitalOne £220 Prelim 22/5 £60 refunded

Cahoot Loan £90 settled in full

Barclaycard £72 LBA 22/5

Paragon Personal Finance £1701 Prelim 16/5

Link to post
Share on other sites
slammiman

slammiman

Posted
Posted

Hope I haven't made a boo.....

 

I've already issued a claim through moneyclaim to the Halifax for my Halifax account, using the address P O Box 548, Leeds. LS1 1WU as this is where my letters came from.

 

Can I issue a second claim to the Halifax even tho it's Intelligent Finance and use the Trinity Road address or would this look daft??

 

I have heard that you can use the Livingstone address if you complete form N1 from the small claims court - would that be better??

 

Sorry polar b, I wouldn't know where to find my T&C's...... not very good I know!

Link to post
Share on other sites
mowgs

mowgs

Posted
Posted

I have also recieved the same response, and am due to send the second letter on friday.

 

Should i send the letter to the same address again - as they will already have a record of my claim, or is there a better contact?

 

I sent mine to the contact address that has been made sticky at the top of this forum.

 

Also in the second letter it mentions not recieving a reply - can i just substitute a suitable sentence saying that i am unhappy with their response so far?

 

Thanks in advance and sorry for the slight highjack.

Link to post
Share on other sites
  • 12 years later...
susanmom

susanmom

Posted
  • Author
Posted

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

susanmom

Halifax £2256 LBA 22/5

Accucard £80 LBA 22/5

Intelligent Finance £507 LBA 22/5

Intelligent Finance card £170 LBA 22/5

Citicards £175 LBA 22/5

CapitalOne £220 Prelim 22/5 £60 refunded

Cahoot Loan £90 settled in full

Barclaycard £72 LBA 22/5

Paragon Personal Finance £1701 Prelim 16/5

Link to post
Share on other sites
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6568 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...