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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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£125 charge for 'cheque card recovery fee'


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I have recently filed a claim for nearly £3000 for RBS ffor last 6 years. One of the charges from early 2000 was for £125, and on the statement its referred to as: cheque card recovery fee

 

Has anyone else been charged this for the Bank to press a button on a computer to block the card and for them to call me and say the card is blocked and i must cut it up?

 

Can an employee in RBS tell us wether this was a charge they dreamed up to make more money out of me, or if it is a standard, and known charge which other people have had charged too? I suspect its the former.

 

Also interestingly they charged me a spiral of charges over 9 weeks, totalling just under £1100 (including this £125 recovery charge). This was also the first 2 months of the earliest charges 6 years ago. Of course the bank didnt send me from Dec 1999 but sent me from feb 2000.. and of course the first 2 months is where the spiral of charges came. I only found this out when a week after my 6 years statements arrived on 24th feb 2007 (I wrote to bank on 6th dec 2006 requesting statements) i received a franked white envelope (obviously not from head office but from the branch) with the statements missing from the period dec 1999 to feb 2006. Strange goings on.... someone in the bank obviously knew i was loosing out and sent me them .. but i dont know who..

 

Can anyone comment on this too??

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Hi,

 

Not an employee of RBS (used to be a few years ago though :p..now work for Abbey:eek: ) but...I had a £125 recovery fee so your not the only one.

 

Basically when your account gets to the point its so bad in debt/charges and RBS have tried to contact you without success or you have not kept to a debt payment recovery plan with them they instruct you to cut up your card and cheque book and post back to them. If you dont send it (I didnt, because this had happened before and I got away with it) they send somebody round to collect it from you. This is when the charge is applied! I wasnt in at the time and got a hand written letter from the agency sent to collect it through the door!

 

So, RBS charge it but its an outside agency they employ to do it. Hence the fee. Still a lot of money but that the story behind it

 

Cheers,

superward

 

PS I chose not to include this in my charges I am reclaiming to simplify matters and not give them any reason to reject my claim on a technicality.

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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The phantom helper is a strange one, no idea there but good news!

 

As for the £125 fee, RBS can't reject your claim, they aren't in a position to. The best they can do is tell you they won't pay you the £125 but they can't refuse to pay you the rest.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Yeah that's cool, was saying more for the benefit of the OP.

 

Waiting is a nightmare I know!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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