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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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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Citi Cards Address ***UPDATED NOVEMBER ***


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Here's the name & address of the Data Protection Officer, Citi Cards.

 

Richard Cooke

Data Protection Officer

Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA

 

It looks like the place to send the intial DPA request.

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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  • 2 months later...

Hi Did You Have Any Problems Getting Letter To Citi Bank, As Mine Has Been Returned Once Already, Yet Address Was Correct, It Was On Form They Sent Asking For Extra Info. Have Sent Again 5 Days Ago Yet Royal Mail Still Has No Confirmation Of Delivery ??

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Hi there,

 

Yes I have was able to get hold of them using this Address with the P. O Box number. Use that and you should be fine, well I did so you too should be okay.

 

Later!!

:o :o :lol: :D :D

 

 

 

 

More Power to the PEOPEL!! LONG LIVE the CAG!!!

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Hi Did You Have Any Problems Getting Letter To Citi Bank, As Mine Has Been Returned Once Already, Yet Address Was Correct, It Was On Form They Sent Asking For Extra Info. Have Sent Again 5 Days Ago Yet Royal Mail Still Has No Confirmation Of Delivery ??

 

Yes sharman24, I had the same problem.

Based on this thread, I sent my Data Protection Act Subject Access Request to:

Richard Cooke

Data Protection Officer

Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA

 

It reached Richard Cooke the next day. He wrote back to me requesting confirmation of ID if I wanted details of manual intervention. His enclosed form said "please return the completed form to:

The Data Protection Officer

Compliance Department

1 Exchange Quay

Salford Quays

Manchester

M5 3EA"

 

So I sent the form and two forms of ID as requested to the address on the form. It didn't arrive, but came back to me about three days later with a Royal Mail sticker on it. The sticker with check boxes had a cross in the "address incomplete" box.

 

I returned the form the same day to the original address:

Richard Cooke

Data Protection Officer

Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA

...with no problem. I received my data 13 days after my Data Protection Act Subject Access Request arrived with Citi Cards.

 

I have contacted Richard Cooke to suggest the incorrect address on the form is amended (as I think quite a few people may try to use it!)

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 1 month later...

If you get a defence back, it's signed by Brian Smith - SOLICITOR!, however he has a habit of using headed paper with no telephone number, so if you need to talk to him here is his number (I had to talk to four different phone monkeys before eventually getting the number):-0800 146 188

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Hi guys,

 

I work for CItigroup (I'm really NOT proud of it). Maybe I can help.....

CitiCards use the Exchange Quay address, CitiFinancial & Future Mortgages go to 6 Admiral Way, Doxfor Park, Sunderland, Tyne & Wear SR3 3XW and for CitiBank it's 25-33 Canada Square London (Canary Wharf). I'll use the internal address book to find you names and numbers if you let me know who you're after.

 

http://www.innercitypress.org/citi

 

D

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Yes you can.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Shovey, please start your own thread on this case. You will receive more help.:wink:

 

I remember a case on this forum, I think it was Citi cards, where the debt had been sold to a debt collection agency for a sum greatly reduced from that owed. However, the DCA tried to collect the full amount, thereby making a nice profit. Citi cards tried to argue that as they had sold the debt on, they could not be approached for any penalty charges. WRONG!! Perhaps someone could help out in finding this thread. I have tried but without success so far.:(

 

You need to continue paying the DCA and start proceedings against Citi cards using the templates on this forum. Good luck.:)

 

 

Don't let the fatherless chillen get ya!:grin:

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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However, the DCA tried to collect the full amount, thereby making a nice profit. :

 

 

DCA's are in business to make a profit, what they buy the debt for makes us feel they shouldn't get full whack but to be honest it's non of our business ( and I am no lover of DCA's believe me) that is down to the banks bad negotiating and the DCA's good fortune. They probably only pay about 7-12% of the face value but that's just good business. We can use that knowledge best by negotiating full and final settlements knowing that as long as they pick up a relatively reasonable profit they will do a deal.Whatever it ends up as it'll be less than you owed in the first place so there's the benefit. They love the £5 or £10 a month merchants and they use their mind blowing arrogance and deceipt to frighten the living daylights out of most people knowing most people will buckle to their intimidation. This site is helping people take them on at their own game by using what they ignore - the law!

 

So don't be too angered by what they might have paid for the debt, use your loaf and get the CCA requests going because they are nototiously bad at having all the correct paperwork in place to enable them to collect these debts, they play on our ignorance, they have little knowledge about your rights to restrict telephone calls from them Communications Act etc. and they don't like it when you stop their harrassment tactics by using the law so get them that way and you'll find you'll win.

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Andrew1, am I correct in thinking that you are saying that Shovey should go after the DCA for the refund of penalty charges? Penalty charges have been applied by Citi Cards and it is they who should be made to refund them whether they have sold on the debt or not.:|

 

You are right when you say that if you quote the law at DCAs, they will back off. I have a thread concerning Certegy (Transax) who threatened to pass on (sell) my amount owed to a DCA. This amount was comprised purely of charges and I pointed out to them that as the charges were in fact unlawfully applied they would be obtaining money by deception. In the end they waived the charges in full as a gesture of goodwill. Read the thread here.:D

 

 

I'm still looking for the thread where the debt was sold on and the CC company tried to wash their hands of it.;)

 

 

Don't let the fatherless chillen get ya!:D

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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yes any penalty charges should be claimed from the bank as it was them who applied them.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Andrew1, am I correct in thinking that you are saying that Shovey should go after the DCA for the refund of penalty charges? Penalty charges have been applied by Citi Cards and it is they who should be made to refund them whether they have sold on the debt or not.:|

 

 

 

 

It's an interesting and debated point although what Martin has said above is true, you should go after the bank, it seems to be what most are doing. - I haven't really had the time to follow the thought-trail of what was initially discussed earlier on the site ( way back!) that when the debt was sold the buyer (dca) took with it the responsibility of the contract and therefore should repay the charges also. Martin might be able to throw some light on it though. My citi card debt was sold on to Cabot and they have fouled badly by not responding at all to my CCA request but my claim for charges is being levied at Citi - still at the fob off stage! I can't see cabot paying them although going by the Lick the Wall fatboy experience in N.Ireland it might be a better option just now.

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Andy the contract between you and the bank effectively becomes void once the account is closed.

Lets not forget also that the DCA pays a fraction of the debt value to buy the debt from the Bank........The banks take advantage of debt write offs /Tax etc

 

Although the DCA then usually re registers any defaults with the Cras.

 

As regards removal of defaults the section 10 notice is there to prevent further processing of your data (or to seek to demand this )

 

There is the point that once the contract between you and the bank ends then so does their right to carry on processing your information and that includes third parties.

The DCA therefore is also in the wrong unless you have expressly given them permission to process your data to third parties.

This becomes a Data protection issue.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Andy the contract between you and the bank effectively becomes void once the account is closed.

 

.

 

Martin, Tinks is going to give us a hard time if I respond to this but maybe she'll move us somewhere else ;)

 

If the contract becomes void, you are saying that with the debt being sold NO part of the contract passes to the DCA? I can't remember exactly how it was explained previously, but I was of the opinion that some the contract responsibilities passed to the dca in some form or another.

 

I'm okay with the Default bits that's no problem.

 

Anyway I'm off before Tinks comes back ! :D

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I would imagine the only contract that exists would be of that between the bank and the dca.

 

You certainly would not personally be any part of the contract.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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What are you suggesting.............Tinks is in a mood today ??????:o

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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