Jump to content


  • Tweets

  • Posts

    • Your page numbers should run through your WX and exhibits so im concerned its page x of 9.
    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • UK travellers have been turned away at airports because their passports are not valid for EU travel.View the full article
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
  • Recommended Topics

  • Our picks

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

Credit card application


wills7
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6168 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

I've recently discovered my local branch have applied for a credit card for me without my authorisation - i was turned down but is there anything i can do about this fraudulent practise?

Link to post
Share on other sites

Not that I am disputing what you are saying but it's always a good place to start.....evidence!! How can you prove this??

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!!!

Link to post
Share on other sites

I went in to the local branch to pay a cheque in, i was given a cc application form which is still un filled in in my kitchen. A week later i recieved a letter from the cc company saying ' thank you for you application, blah blah blah, unfortunatley you've been turned down.. etc..

So i rang the cc compnay who told me to ring the bank. I did, i eexplained i hadn't applied and they said someone in the bank must have done it and they would investgate who's computer had been used and who was logged in... i'm a bit peeved now as it's on my credit file and i don;t know what to do or if i could sue the bank for data protection?

Link to post
Share on other sites

Wow! Unbelievable!

 

Well there is certainly plenty you can do I'm sure although I'll leave you in the hands of mr gizmo here.

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!!!

Link to post
Share on other sites

Well, first point of call would be the branch again. Give them a chance to try a sort the situation out. If they can't, won't or don't give you a satisfactory response the they will "stalemate" your complaint. It then moves to the next stage which is then making an official complaint (the numbers and address for the CRU unit are stickied on the Contacts section in this thread - it's the same place all the charges comlaints go to)

 

The search can be removed from your credit file but it is RBS who need to instruct Experian and the other agencies to do it. They won't have a problem doing this if they accept they were in the wrong. The fact that somebody did this without you knowing is another matter - it would be your call how you want to deal with that side of the complaint.

 

gizmo111 - I think somebody would do this to help them in their credit card sales targets unfortunately. From what I know about RBS branches, through working there in the past and knowing people working there now, it's more about sales than service. RBS aren't alone though, most banks are the same.

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

Link to post
Share on other sites

Well I will offer my two pence worth even though I said I didn't really know.

 

Firstly, when did you make your complaint originally (specific date)? This is relevant for escalating your complaint if they don't respond.

 

I would as superward says continue your complaint with the branch stating what conditions you require in order to resolve your complaint. They will be a) the footprint (footprint is the entry that says they made a search on your file) is removed from your credit file b) the account entry is removed from your credit file c) an explanation is provided as to why this happened and what has been done about it d) some form of compensation is provided (optional and I'm not entirely sure if you are entitled to this but guess it's worth throwing in even if they say no).

 

I would also state that you intend to escalate this to FOS (I think the FOS would be the appropriate place although I would appreciate it if someone could give me their opinion) if they do not resolve this matter promptly.

 

Whatever you do from now on, do it in writing. If everything has been done on the phone previous, reference to it in your letters. IE, following on from our conversation on [the date of your first complaint].

 

Basically, RBS have 8 weeks in which to resolve your complaint before you can escalate this to the FOS. I would however, be looking at what other damage you can do (if you want to). The FSA for starters, maybe the press? There are lots of options available to you, this is really out of order and RBS should get a spanking for it.

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!!!

Link to post
Share on other sites

Good :D

 

 

I think the press is always the best place for maximum damage.

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!!!

Link to post
Share on other sites

Update: Having spoke to a solicitor and the police i have been told to push ahead with legal proceedings in this matter as it is classed as fraud in the eyes of the law. I have given the bank ample oppotunity to reply to me and resolve the matter but as they have not a feel obliged to take the matter further.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...