Jump to content


  • Tweets

  • Posts

    • 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.
    • 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)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
  • 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

RBS Response


sasher01
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5564 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 have a credit card with RBS and had a payment plan agreed with them in which they agreed to stop interest and charges. This arrangement was made over the phone and as you can guess the charges and interest still continued. I contacted them in writing to ask them to honour their original agreement and had no response.

 

I then started to get hassled by Triton. Spoke to them once on the phone and was told they wanted silly amounts and if I didn't have it I should borrow it from a family member or get another loan. I told them where to go and sent them the telephone harassment letter and a CCA request on 9th November, 2008.

 

Heard nothing at all from Triton after that. Out of the blue a yellow card arrives from AIC to contact them...... yeah right! These morons kept phoning and leaving messages.

 

On 16th December, 2008 I sent Triton a letter stating that the account is in dispute as they hadn't sent the CCA. The same letter was also sent to RBS. I sent the "I am bemused" letter to AIC explaining that the account is in dispute and nothing to do with them, along with the telephone harassment letter.

 

Today what a surprise, I find that RBS are still talking to me after all! I get an undated letter from them (Miss H Bennet) as follows:

 

I confirm receipt of your letter of 16th December and previous request letter received.

 

Our responses to a request under the Consumer Credit Act s78 stipulates that we should respond within 12 working days. However, there is an additional deadline of a further month for us to send our responses and our responses will be sent accordingly within these timescales.

 

I therefore respectively request you refrain from sending such letters, as a response will be sent.

 

All further 'dispute' and 'chaser' letters received from you whereby we have yet to send our response in the time allowed (as advised above) will not be acknowledged by us.

 

We do not consider any account to be in dispute and your indebtedness on the account remains due and payable.

 

I trust the above clarifies matters for you.

 

Yours sincerely,

 

Miss H Bennet

Account Manager.

 

 

All sounds a load of bull to me, how can the account not be in dispute?

Do I need to do anything now like send her a shove it where the sun don't shine response or just wait? I have incidentally stopped making payments to them.

 

Many thanks in advance for advice.

 

Sasher01

Link to post
Share on other sites

They don't have 30 days now. That changed earlier this year. They have 12 working days from the date they receive the letter.

 

Pay them nothing until they send you an enforceable CCA.

 

DCA's like to think they can make up their own laws. Luckily CAG and the Courts follow the real ones.

 

Might be worth writing and asking which part of the law they're referring to, as the law changed in May 2008 and they should inform their employees to this fact, so they don't give out misleading information.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

Link to post
Share on other sites

After 12 days RBS enter into default mode, this means they are precluded from enforcing the agreement whilst their non compliance continues. However, once they have complied, irrespective of how long they remain in default they may continue to enforce. What amounts to a "true copy" though is up for debate.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

Link to post
Share on other sites

I've seen the "initial 12 days and then some" claim from Cabot too. You could send RBS a letter asking them which part of the law gives them this right. hat'll challenge them because there ain't one. Ask for their complaints procedure and make one. The main facts are the lack of an agreement and the misleading nature of their letters plus the passing on the account to debt collectors even when it is in dispute. They have eight weeks to call the whole thing off, admit defeat and wipe away any negative information on your credit files. After that you can get heavy and report them to the Financial Services Ombudsman...for starters

Link to post
Share on other sites

Many thanks for all your advice. I will send little Miss Snotty a letter informing her that her knowledge of the Law is out of date and as far as I'm concerned the account is in dispute as I told her before!

Link to post
Share on other sites

more than likely "Miss H Bennet", if she does actually exist, didnt come within 100 yards of that letter, as to me the thing smacks of an automatically generated piece of drivel which uses the name of one of the managers there or something.

 

reminds me of a joke letter my mate sent to mcdonalds once, it went something like this..

 

 

Dear Ronald McDonald

 

I doubt your existance, please can you prove your existance in reality by responding to this letter with a hand written reply to the above address.

If you have not responded to me within 14 days, then i shall have to assume you do not in fact exist and will consider taking legal action against the company you claim to reparesent for perpetrating what appears to be an elabourate hoax.

 

Thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...