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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 
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    • 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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Bank charges slashed by Metro Bank


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If I understand it correctly, exceeding your overdraft limit where the item is paid will cost £10 each time with a maximum of £60 per month.

If the bank decides not to pay the item, then they will charge you £5.

 

Metro Bank: Which? Q&A with managing director - Which? News

 

 

This is a dramatic reduction over the charges of the established non-competitive High Street Banks which have been fleecing their customers with unfair extortionate charges for many years.

 

If this is really true and there are no hidden strings, then we would recommend people open accounts with the Metro.

 

If enough people walk away from their existing banks, then the rest will topple.

 

This could be the time to abandon your usual bank

 

Have a look at the Metro here:- https://www.metrobankonline.co.uk/

.

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However, we will not charge you a Paid Item Charge where an instant overdraft is created or increased by the deduction of interest or one of our charges from your account.
Hooray! The penny dropeth!!! :-D

 

If you make a debit card payment in a foreign currency, we will change the amount of the transaction to sterling on the date we pay it out of your account using the rate for the transaction which is set and provided to us by MasterCard.
I could be wrong, but that reads to me they won't charge additional fees for foreign transactions. :shock:
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About time there was a "fair bank". (the sceptic in me says "less unfair" but they get the benefit of the doubt for now!)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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Edit: just finished reading the T&Cs and I can't see anything fishy or hidden. A cautious thumbs-up, although I'd like a bit more info on when they process transactions (with Barclays, if I check online 1st thing and see that I've gone over my limit, I can go and pay in cash before the end of day and still not get charged apart from the interest), but apart from that, it does look good. I might have to take a trip into London soon. ;-)

Edited by HSBCrusher
Damn this new fangled editing timing thing!!!.. capital I please darling :-D
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I could be wrong, but that reads to me they won't charge additional fees for foreign transactions. :shock:

 

Probably like commission free foreign currency, where the rates are higher though :rolleyes:

 

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Mind you, I see that with business overdraft charges, Metro are sticking with the bad old ways.

£15 paid

£25 unpaid item

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I'm going to be checking this out, the Southampton Row branch is a short bus ride from work, I will go up there today and see what I need to open an account - I haven't found if they do any credit scoring - one would assume so...

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We were invited to the opening & whilst we travel to London, Holborn frequently on this occasion we couldn't go

 

Could I suggest that anyone who does open an account with Metro Bank keep an open diary on this forum as to their experiences from which we can all learn about this bank?????

 

PS I understand that regional branches are not far off

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PS I understand that regional branches are not far off

oooh.

 

Could I suggest that anyone who does open an account with Metro Bank keep an open diary on this forum as to their experiences from which we can all learn about this bank?????

 

excellent idea.

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No problem, can do that quite easily, how about making it a sticky?

 

I will then record what they say when I go up there at lunchtime, what you need to open an account and how long it takes to get the card etc.... it seems they will have a branch in my home town (Sutton) at some point next year so seems ideal for me.

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Could I also suggest that if my idea does become reality then we give Metro Bank an opportunity to respond, as knowing that customers experiences are being mentioned on CAG may well have a salutatory affect on any unfriendly practices

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I passed the new Metro bank branch last week when they were celebrating their opening. A band, lots of freebies - all the usual marketing hype.

 

Absolutely nothing wrong with that but on the second day, Barclays had sent their own team of young marketeers to stand on the opposite street corner handing out their own ballons and other freebies.

 

Are the other banks worried? You bet they are but they won't ever admit it. If Metro Bank really gets established, expect a sea change in British banking.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I went there at lunchtime today and asked what you needed to join, they said passport and bank statement (I will take council tax bill along too when I go back tomorrow) and there was an hour to wait to be seen.. they give out some bleeping device so you can go locally and see when it is time to go back... I will go up tomorrow evening if it isn't busy rather than lunchtime.

 

They do credit check you but I believe it is more for security than anything else... I will report back tomorrow....

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I went there at lunchtime today and asked what you needed to join, they said passport and bank statement (I will take council tax bill along too when I go back tomorrow) and there was an hour to wait to be seen.. they give out some bleeping device so you can go locally and see when it is time to go back... I will go up tomorrow evening if it isn't busy rather than lunchtime.

 

They do credit check you but I believe it is more for security than anything else... I will report back tomorrow....

 

Great but we need to know your current credit status so we can judge the bank. Is your status good, medium or completely carp ?

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I couldn't have a worse record, a repossession 3 1/2 years ago, a couple of very suspect defaults, I haven't checked it in ages....

 

I'll report back tomorrow - hopefully it will be positive....

 

Great I imagine you'll be telling them BEFORE they tell you;)

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I did inform them of a possible lousy credit rating and they do a basic card account - so I signed up for that this lunchtime.

 

Went into the branch, met by a very nice girl who started taking details and there was a very nice guy available to sign me up. It took a little bit longer than anticipated as their card printing machine got the hump just before it printed out my card, but the very very nice bank man gave me an additional £10 on my account (without being asked) and an additional free gift (large coolbag). I already got a fleece blanket as I had transferred some money into the new account. I also have a Metro tote bag, some pens and a few lollipops.

 

If the friendliness of the staff (not 'professional' just normal friendly) is anything to go by this bank should have few problems with customers.

 

Getting your customer service right throughout the business is a good start, as is getting your back of house systems in place.

 

I will let you know if anything transpires as I am running the account.

 

With this basic account you can have money paid in, get money out via a cashcard, which you can also use in shops where Mastercard is displayed, and you can use it online where Mastercard is displayed. You don't seem to have direct debits (YAY) on the account but that isn't an issue with me, I only have one direct debit and that is soon being disposed of... you can't use the basic card abroad (yet).

 

As a backup account this could prove very useful.

 

They don't credit check you at all for this account, just need a passport and a bank statement or utility bill. For the other accounts you get credit checked and need passport, bank statement and utility bills.

  • Haha 1
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Wow!! If this bank is half as fair as it sounds, let's face it, it wouldn't be difficult for them to clean up! The T&Cs are even in plain English!! Could grow its customer and hence capital base geometrically wonder how nice they'd be then?

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Is there a maximum no of £5 charges ???

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