Jump to content


  • Tweets

  • Posts

  • 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

Meagre Repayment Offer For Charges.


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

Thread Locked

because no one has posted on it for the last 5245 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

Haven't used my RBS account since early 2007 but dug out my old statements and worked out the late charges between 2004 and 2006.

 

Charges total of around £160ish,added cash interest rate current as of last time I used the card before paying it off for grand total of £450 ish.

 

Posted off last Friday and received offer today of £60ish payable as cheque as Full & Final.

 

This was difference between £20 charge and current £12 charge plus 8%.

 

''Our revised charge is now £12,in line with the OFT's guidelines.''

 

I've written back declining and stating intention to take to Court with attendant publicity as to how they justify their charges unless they cough up as requested in next fortnight.

 

Any body had similar dealings and how did they proceed?

Link to post
Share on other sites

Wrote back declining their offer of £60 odd and giving them LBA letter saying 14 days to pay full amount claimed.

 

Received letter today upping offer to full repayment of charges +8% for total of around £170.

 

Spoke on phone to them and had explanation that uniquely RBS use the next payment received after a late charge has been applied to pay off the late charge first before using the remainder against your outstanding balance,meaning that any default charge never attracts compounded interest.

 

As such they will never pay the compound interest portion of any claim.

 

A smidgeon of negotiating increased their offer from 8% to 17%, meaning an additional £20 odd onto the total offer.

 

Any one have knowledge or experience of this or are they telling porkies to me?

 

I'm inclined to accept unless someone can disprove their statement above.

Link to post
Share on other sites

Bump

 

Acceptance of offer as F & F received today to fill in and return--any advice?

 

 

Hi Middenmess

 

A while back when I claimed from RBS, they too replied to my claim with a full and final offer of a lot less than the total claim and the fac tthat they wouldn't pay interest. I declined and basically told them I wanted the full charge with interest or I would see them in court. I raised court proceedings for charges plus interest. No reply was received until the day before I was due to appear in court, when they e-mailed me a formal offer to pay me back all charges with interest.

 

I should point out this was before the test case, however if I was in your shoes I would raise court proceedings and the worst that would happen is the judge would stay the case until the test case is resolved and the OFT have decided on the fairness of the charges. This could be a long wait however, until all the ins and outs of the case are concluded.

 

If you really need the money and are not prepared to wait then you should probably accept their offer.

Link to post
Share on other sites

Bump

 

Acceptance of offer as F & F received today to fill in and return--any advice?

If it's a credit card claim and you are happy with the settlement then accept it.

.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...