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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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Account closed for reporting unknown gambling transactions


benmooe
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Initially i was excited about having a new bank on the high street.

They market themselves as different to the others and I fell for it.

Now i'm stuck in a situation that's really running me down mentally.

 

On Tuesday,

I noticed that there were a number of transactions leaving my account for a gambling site I hold an account with that I didn't authorise.

 

 

I spoke to their live chat who locked my account and asked me to report the transactions to the police and my bank as it was believed to have been hacked.

 

I report the transactions to Metro Bank as soon as i could and spoke to the local police who gave me an action fraud reference number.

 

 

The employee at Metro Bank was very polite and said he would investigate as soon as he could.

 

 

Because the amount of money was quite substantial, I also emailed a customer service head I have had previous contact with.

 

A few hours later i get a call from a man at Metro Bank who says

"Well, I can see you gamble often".

 

 

I then tried to steer the conversation back to the fraud and he says

"I can contact them, but if i find out these transactions are yours then i'll be closing your account".

 

 

I agree

(I mean, i didn't make these transactions and i was very clear that I had used this site in the past).

 

I shoot an email to the customer service manager again who emails back saying he has listened to the call and he was merely informing me of the process

(He didn't really inform me, it felt more like a thinly veiled accusation but ho hum).

 

Next morning

i get a call from the same guy at Metro Bank saying he had heard back from the online casino and they have my name and address

(Remember, I did tell them i had opened account with them in the past).

 

 

They then say they have a record of my IP address that i use for Online Banking on their system.

Again, I don't dispute this.

 

 

He then asks me to explain why that might be.

I indicated to him again that I had opened the account in the past.

He then says that it sounded like an excuse,

he believed i was trying to defraud the bank so he would be closing my account.

 

I asked him why he wasn't listening to me and to speak to a manager,

His response was that he had already spoken to his manager so there was no one for me to speak to.

 

Again,

I email the customer service manager asking for an explanation,

 

 

He then sends over a final response saying he agrees with the commercial decision made to close my account based on the IP match and that I had gambling transactions in the past and he couldn't think of why someone would hack a gambling site account...

 

Now,

I understand how on the surface it would seem like a quite clear cut response.

 

 

Usually you would expect someone to play against the house and get the winnings back into their account.

But the gambling site in question specialises in Poker.

 

 

Now,

There are well known cases where poker players have had their accounts hacked and funds drained from their linked cards.

 

 

How they do this is by playing on a table with another player and losing bad hands on purpose to transfer the funds into another account.

 

 

To safeguard against this,

The sites tell you to speak to the bank and to the police so they can open a fraud investigation and also lock the funds from the poker network.

 

I've now had to open a case with the ombudsman and i'm in a panic as i don't have any money for my rent, nor do i have a banking facility anymore.

 

 

I've gone and applied for an account with another bank as an urgent action but i'm still down a lot of funds and i do not have the facility to dispute the transaction if the account has been closed.

The ombudsman reckon it will take weeks/months to have any kind of response.

 

Does anyone have any suggestion as to where i can go from here?

The gambling site in question has said they would co-operate with the bank should a fraud or dispute be opened.

 

Unfortunately

i've been feeling really low and anxious as a result of the disgusting treatment i've had from their staff.

 

 

They were not professional in the way they were talking to me in any way.

I've tried emailing the CEO about this and they've referred me back to the final response.

 

 

Not to try an make this case over emotional but the depression experienced from this experience nearly got the better of me a few nights ago so naturally i'm very reluctant to deal with it any more but i know if i don't do anything then things will get worse for me.

 

I would strongly advise that everybody avoid using Metro Bank for these reasons but i would welcome any suggestions on what i can do to speed the process up or anything i might be missing.

Consumer Activist N00b

 

Reclaimed £75 unfair bank charges from RBS 11/01/09

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Ask the gambling site if they can match an IP address to what you believe to be the unauthorised transactions.

If that is not your IP address then you can re raise the complaint but you need the information.

The problem is most sites can be accessed by any number of devices as long as you have the login details, so even showing that theses transactions are not from your home static IP wont necessarily prove that it wasnt you who logged on elsewhere.

Name the site and how much is involved please.

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  • 1 month later...

Metrobank is annoying.

 

 

i have experience with them.

 

 

If you report fraud they will after investigating tell you that you gave your card number over even though it was cancelled before hand.

 

 

i am now in the process of moving banks.

 

 

they are also bloody annoying when trying to claim on the direct debit indemnity.

 

 

They think they cant reclaim the money and so on.

 

 

Load of cods wallop.

So whats cooking today ?

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