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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.

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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.
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      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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Breakdown of Charges


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Hi Guys

I finally received my statements today (long after the 40 day deadline). Just flicking through a few pages already, I calculate that at least £500 has been taken in the space of a few months.

I have 2 questions really. I know you cannot claim the lawful charges (ie for having a Royalties Prem account) but how do you seperate this charge from the unlawful ones as on my statements it appears to be added on together.

Initially this charge was £5 six years ago, but I'm aware it has risen to £12 now. Without knowing when these charges rose, how has everyone else worked out how much to remove?

 

The second issue is that I have been with the Bank since around 1991. Has anyone claimed as far back as this, as I realise that you can? I dread to think how much that will come to in total!!!

All help appreciated.

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Hi Guys

I finally received my statements today (long after the 40 day deadline). Just flicking through a few pages already, I calculate that at least £500 has been taken in the space of a few months.

I have 2 questions really. I know you cannot claim the lawful charges (ie for having a Royalties Prem account) but how do you seperate this charge from the unlawful ones as on my statements it appears to be added on together.

Initially this charge was £5 six years ago, but I'm aware it has risen to £12 now. Without knowing when these charges rose, how has everyone else worked out how much to remove?

 

The second issue is that I have been with the Bank since around 1991. Has anyone claimed as far back as this, as I realise that you can? I dread to think how much that will come to in total!!!

All help appreciated.

 

Hi i had the same problem, the way i worked it out was that account fees are usually debited on the same date each month. If had a charge that was combined i removed the account fee. You can ask the bank to provide dates for when charges and account fees rose.

I have filed my first claim with Rbs and am waiting for my court date, i asked last week for statements from the date i opened the account (1988) i intend to claim for those charges as well. There are threads on this subject.

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Ah just double checked statements and you're right about them coming out on same date. That helps cheers. Does anyone who has already claimed have any other ideas about account charge rises or have worked it out before I have to contact the Bank?

 

I will definately try to claim back as far as 1991, after this one has concluded. I just wondered how other folks had/were getting on.

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Ok I have gone through my statements (weird reading your life over the past 6 years!!) and I have picked up £700+ that are illegal charges. I never read my statements usually, but one thing I picked up on was that if you go overdrawn they charge you for that and then a referral charge as well!!

Just to answer my own question for others. When I changed to Royalties gold in 2002 the Legal Maintenance charge was £10. This stayed the same until May 2005 when it rose to £12. Hope that helps

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Hi this has helped me a lot. A am presently helping my other half out and I am thoroghly confused. I noticed he always had a charge around the 18th of the month ranging from £5 - £25. this was recorded as a 'charge to 3rd of that month' Also there were referral charges of £20 - I assume these are the one's for actually going overdrawn whereas the charges were once a month. Now looking through his statement later there are some charges for£30 and some for £10?? I'm trying to write out a detailed statement of charges and i just have no idea what the charges are for!! Has anyone got any idea?:-?

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