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    • 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
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I'd be interested to hear people's experiences of MetroBank - I'd be interested in opening an account with them but obviously my credit rating is pretty abysmal - how have people with poor credit ratings fared getting an account with MetroBank?

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I have never actually heared of MetroBank so can not comment on them. There are other banks that will give you an account even with an 'abysmal credit rating' Natwest, Halifax, Co-op to name but three.

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I have never actually heared of MetroBank so can not comment on them. There are other banks that will give you an account even with an 'abysmal credit rating' Natwest, Halifax, Co-op to name but three.

 

Oh yes, I know! I bank with NatWest at the moment, but as someone who works long hours and who is deaf so can't use phone banking, I'm attracted by the thought of being able to visit a branch at times convenient to me, i.e. evenings and weekends.

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  • 1 month later...

Hiya,

 

My credit rating has swiftly been diminished over this summer but if you open a cash(current) account with metro bank they do not have to do a credit check :) I got my new account and the staff were really friendly and understanding there...hope it helps.

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  • 2 months later...

I tried opening a basic account with them but wasn't able to because they couldn't agree my date of birth with Equifax ... I'm not that bothered as I have basic accounts elsewhere but was a bit bemused... and it was a bore waiting for hours to try to open the account.

 

OH was successful opening a basic account and got a debit card there and then. The main problem with them is that they are not clearers - everything goes through Barclays - so if you get a transfer or pay in a cheque it takes an age to credit the account.

My posts are offered informally, without prejudice and without liability. You should seek the advice of a qualified insured professional.

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  • 10 months later...
  • 2 weeks later...

 

Well, Metro Bank will be going on the web next year at some point so everyone would be able to apply for an account on line....but I do not know if you can apply for a cash account on line next year as their Branches are so far away...I do not have a Bank account at all Just have to use a pre payed card account that supply a sort code and account number called my cash plus...it's a very bad banking system we have in the U.K.. because most if not all these Banks do refuse you on opening of these Basic account's if you have CCJ's and Default's as I do which I have experience with all of them...so it is not the case that they will open you an account which is basic...as this does prove dispite they continue to mislead us in the fact they don't check...as if this was so they why do they refuse???

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  • 1 month later...

I opened a cash account some months ago because I have a bad credit score - due to a former colleague bringing down my business, followed by serious illness and surgery, resulting in disability - and negligible income for several years. The account was opened very quickly on presenting passport and driving licence. They said I could upgrade it to a current account after 3-6 months of satisfactory operation with a regular income stream.

 

The Cash Account card can be used at most ATMs (unlike a Lloyds one), but there are no SOs or DDs (unlike some other cash accounts). Internet Banking is OK, but a little strange-looking if you are used to HBOS for example.

 

Incoming payments by Faster Payment work fine, but may take more than the usual "2 hours" to be shown; this will apparently get faster soon. Cheque clearance times are as with any bank - they use Barclays as clearing agent, so it should be as with anywhere else.

 

After three months I upgraded to Current account, and once the Faster Payments Out service is available (late December 2011) I plan moving all my SOs and DDs, plus regular credits, across from HBOS.

 

Deposit interest is uncompetitive (this is because the bank regards good service as more important), so I still use a PO Internet Savings a/c for savings. It is easy to move money between them.

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  • 1 year later...

That's strange you know regarding 'Cash accounts'. Lloyd's and Co-Op use a CRA and the Co-Op even tell you they've seen a problem on it (if you have one).

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Was just thinking Metro Bank was on Earls Court Road (very large building) and I pass it daily on the way to work. Never really looked at the dates but now I see your point. I always thought they were Malaysian based rather than US.

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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  • 1 year later...

I mistook Metro them for the Malaysian bank and would still consider them as they made their banking system jump through hoops to serve the customers better.

 

Find something to enjoy every day.

 

[20190624]

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thread is 2yrs old

closed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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