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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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I don't know if it's me being paranoid but is anyone else finding that when they really need to transfer a payment, check a payment etc. I get the message that the service is temporarily unavailable.

It really does seem that whenever a payment is due from my account and I try to check that a payment paid in has actually been credited I am unable to access my account - getting the message - this service is temporarily unavailable. When I do manage to get in to check, my payment has been delayed and I have incurred bank charges - usually for the mortgage payment which is payable to RBOS itself and they end up not payment themselves the mortgage but taking out overdraft charges for themselves.

I recently made a transfer on the 14th from my TSB account on a fast payment for mortgage that was due on 19th. It had not reached there on the 19th but on the 20th when I was able to check it had refused the payment and charged £38 fees. The transfer was shown on the 20th although it left my TSB account on the 18th.

3 or 4 years ago the bank made an error on an international transfer - they typed in the wrong number - eventually they admitted their error. This caused enormous problems as payments on our foreign account were not made and we incurred fees and legal proceedings were started against us (They're quick off the mark these Americans). It caused us a considerable amount of time and expenses sorting it out. The manager of the branch RBOS kept ringing constantly to ask whether we were managing to sort things out, causing us additional time lost. At th eend of the day, although the manager had promised we would get some compensation, we received nothing and when we asked were told that the manager was no longer working for them.

Every time we bring up the matter we are told that "we thought the matter had been sorted out".

This episode cost us an considerable amount of time and expenses and we have recived not a penny in compensation as they promised.

Because of personal circumstances at the time we have not had the time to pursue matters but now feel that we are ready to do so.

Does anyone know if there is a time limit in taking matters to the Ombudsman?

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Have you spoken to the online helpdesk?

 

The lloydsTSB thingy was not a faster payment because it left on the 18th and arrived on the 20th which would match the timescale for a BACS not FPS payment.

The international payment issue, would be impossible to sort 4 years down the line.

Have never found link for Ombudsman timescale btw.

Edited by yourbank

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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Maybe Lloyds TSB are at fault then as it seemed to state that all payments would be sent using the faster payments. Another payment which I sent at the same time reached its destination on the 18th yet it did not reach RBS until the 20th. When I managed to check on the 20th it showed that the payment had reached its destination, that the mortgage payment had been sent and we had been charged £38. However, I received a letter today saying that the mortgage had not been paid. Indeed when I checked there was no sign of the mortgage payment due on the 19th and had shown on the online statement on the 20th as having been paid.

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Was it sent directly to the mortgage account or to the account where the mortgage was to be paid? Was it a Standing Order(which may not be covered by FPS)? Or was it a one off telephone or internet payment?

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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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That is very odd, because both LloydsTSB and NatWest are subscribers to the FPS and therefore it should have gone between banks within 2 hours. Worth asking LloydsTSB what the delay was. To me, it seems to have been sent via BACS and not via FPS(Faster Payments Service).

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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That is a BACS payment and not Faster payments. The timescale is 3 working days. mmmmm, something is odd here, give me two secs and I will get you a link.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Just red through this and it says that Lloyds TSB Credit Cards cannot accept Fast Payments. Well the other payment I made on the same day that was credited on the 18th was a Lloyds TSB credit card. The RBS one then took another two days.

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Query it with LloydsTSB and explain the circumstances and that both accounts should be able to send and receive faster payments. It is very strange that it is being send BACs rather than FPS

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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