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    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
  • Our picks

    • 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
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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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Experts, Professionals, Bank Workers, Anybody, Help!!!!!!!!!!!!


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My main current account and savings accounts are with RBS. Never gone overdrawn or done anything wrong, been a perfect customer. One day out of nowhere a letter from them tells me that they're terminating the banking facilities following a review and I have 60 days to make alternative banking arrangements. This is a huge problem for me, I know some of you are just going to say move to another bank but it really isn't that simple. This is the response I received from Customer Relations after filing a complaint asking why this decision had been made, offering to make any changes to accomodate to allow me to continue banking and informing that if this is based on discrimination then it will be referred to the FSA and FOS;

"Thank you for your patience while I have been investigating your complaint emailed to my colleague. Leigh no longer works in this department and forwarded your email to us to be investigated and replied to.

In reply to your complaint regarding the difficulties that you have experienced concerning the block placed on your access to digital banking and bank accounts with us and the subsequent closure of your accounts. I regret that I have very little to add to the Bank’s previous correspondence. I am permitted to confirm that the Bank was required to comply with its statutory obligations, which resulted in a block being applied to your accounts and digital banking access. Regrettably, the statutory obligations also mean that the Bank is unable to discuss the specific details in these circumstances.

Additionally, and in reference to the imminent closure of your accounts, the Bank’s Terms and Conditions state,

‘We can close your account immediately if:

(a) we reasonably suspect that you have given us false information; or

(b) we reasonably suspect that your account is being used for an illegal purpose; or

© you behave in a threatening or violent manner towards our staff; or

(d) you were not entitled to open your account.

We can also close your account on giving you notice as set out below:

(a) where your account is a Payment Account, we will give you not less than 60 days’ prior notice; or

(b) where your account is a Non-payment Account, other than an account of fixed duration (such as a bond), we will give you not less than 60 days’ prior notice or such period of notice as you would have to give us in order to close your account (or to close it without paying a charge or suffering a loss of interest), whichever is longer.’

If you have an account of fixed duration (such as a bond), we can only close your account under General Condition 7.1.1.

The Bank is under no legal obligation to disclose the reasoning behind our decision in this regard.

I sympathise greatly with your situation and do not doubt the strength of your feelings. Whilst I am truly sorry that this matter has caused you a great deal of distress and inconvenience, in consideration of the facts within your case, and our statutory obligation, I regret that I am unable to provide you with the clarification you seek or overturn the Bank’s decision to date.

I am sorry to have to write to you in such disappointing terms. However, I hope that, on reflection, you will feel able to accept my conclusion of your complaint on this occasion. "

I think they think I'm breaking some of the terms and conditions but won't allow me to appeal or prove otherwise. I've offered to make any changes or provide anything they require to resolve this but they're not discussing anything. I think they do have the right to make this decision but I must hold on to these accounts.

Please help me keep my bank!

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this sounds to me as though they have closed the account on a technicality (and seem to be cagey). I would sugest checking your credit file to see if there are any CIFAS marks against you (these are marks that are displayed and shared with financial institutions who gave received suspicious activity). Either way the bank is now allowed to close your account without justification. You should ask the bank to issue you a final response to your complaint (which will have to be before, or at 8 weeks from when you contacted them), then refer to the Ombudsman. Be warned though, this may take a while and therefore does not constitute any kind of delay.

 

Good luck, hope its something that can be sorted out

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  • 5 weeks later...

How is this progressing?

 

I agree with charlieboy39 - have you got your credit file from them yet?

 

While they claim

 

The Bank is under no legal obligation to disclose the reasoning behind our decision in this regard.

 

They are under obligation to disclose information discussed about you under the Data Protection Act. Which naturally includes any discussion involving your name or dealings with them...

 

...and that is a legal obligation.

 

It can take 40 days, so you should include a paragraph stating that your account should remain open until you have recieved and corroborated the details of the Subject Access Request (SAR).

 

Best of luck.

 

Find something to enjoy every day.

 

[20190624]

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