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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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Vonnie V RBOS (what next)


vonnie32
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What do I do? Sent S.A.R - (Subject Access Request) on 10/8 still no correspondence received nearly a month later and the £10 chq has not been cashed, sent other S.A.R - (Subject Access Request) the same day and the chq is cashed and confirmation received they are dealing with my request.

 

Do I have to start all over again and issue another SAR? or do I write with a copy of my original SAR and hold them to the 40 days from 10/8?:confused:

 

Any advice appreciated

 

Thanks

 

Vonnie x:rolleyes:

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Vonnie,

 

where did you send the request in to? If you sent it to your Branch, give them a call, they may deny receiving it (which you can't prove unless you have proof of postage/receipt), but they may be able to arrange statements over the phone (they did for me and waive the fee). I wouldn't expect any correspondence otherwise until the statements arrive! A quick call would be a good starting point to check they recieved and are 'working' it. My Branch told me it could take up to 14 days to produce 6yrs statements and for me to get them in the post.

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Phone head office on 0131 556 8555 and ask for the Retail Regulatory Risk department, they deal with Subject Access Requests and should be able to tell you whether they've received it and if it's being processed.

Royal Bank of Scotland - settled

 

seaweasel is not a lawyer

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They'll only know if the Branch sent it on or it was sent to Customer Services though. Where did you send your request into Vonnie?

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Thanks for the quick response guys here's were it was sent to as advised!

 

THE GROUP SECRETARY

THE ROYAL BANK OF SCOTLAND GROUP PLC

36 ST ANDREW SQUARE

EDINBURGH

EH2 2YB

 

Will I be able to call the Retails Risk Dept? or am I back to square one, I have no proof of postage...didn't think I would need it for a SAR...silly me EH!!!

 

I do know that both SAR's were sent on the same day from the same post box at the same time, one seems to have made it's destination fine, the other seems to be lost or conviently misplaced or they are soo busy dealing with everyone elses requests that they are doing what the CSA used to do and just throwing piles of mail away that they can't be bothered dealing with....sorry for the sarcasim but I am throughly fed up with RBS after nearly 20yrs as a customer, i've finally had enough!

 

Thanks again folks and sorry for the rant

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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If that's the case I would give the Retail Risk people a call, if they deny knowledge I would start again via your Branch, I don't really see what else can be done I'm afraid. If you end up going through your Branch, you can always hand deliver your SAR and you may find the Branch provide your statements within 10 days.

 

Sorry for the no so good news:oops:

 

Best of Luck

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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further to big cols post vonnie if you do have to hand another request in get a receipt this time round. you may find at the branch they dont like giving them but stick to your guns and good luck

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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Oh Damn right,

 

don't leave until they give you a receipt. Just imagine the look on their pretty little face as they read your letter!! It's well worth it, just don't be mean to them, they only work there!!

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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thanks guys, but you won't believe this.......had a pretty bad nite last nite my poor baby (8months) was unwell so as you can imagine I didn't have time to phone RBS....but....there I was sitting in the chemist waiting on my prescription when low and behold the RBS called me!!!!

 

Asked a rather stranged question about me visiting another branch??? strange and I started to think "oh no someone has used my a/c for fraud or something" but no my statements had been sent to my branch via a branch 100 miles away which I have never stepped foot in....all rather strange if you ask me..

 

Anyway upshot is I now have my statements and a claim to put to RBS for £1100 for one account alone....don't even want to think about my business a/c that will be a whole other ball game.

 

Hope to head off on holiday on Sunday (all being well with the little one) but will ensure I send my letter off to RBS before I head off, asking nicely for my cash back...thank you very much.

 

Thanks Guys appreciate your support and glad it didn't turn out to be too bad after all.

 

Vonnie x

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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  • 1 month later...

Well surprise surprise have received reply from RBS thanking me for my faxed letter......I didn't send a faxed letter ???? Basically saying sorry to read of your dispute but our charges are not unlawful or unfair and are in accordance with our agreed T&C's. We have reviewed the OFT report but any revised charges are only for credit cards.

 

Therefore your not getting any money

 

Yours sincerely

Andy Sinden

Group Customer Relations

 

Oh well will need to send off LBA tomorrow and pop into the court to pick up my papers as it looks like it will be much better to have them prepared over the next couple of weeks rather than rely on RBS coming to their senses.

 

Will have to seperate my claim though as it is over the £750 limit for small claims in Scotland, so any advice in this respect much appreciated folks.

 

Cheers

Vonnie

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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hey vonnie i put my claim into summary cause as court advised this was best course of action. it does carry an element of risk in that IF you lose you MAY be liable for upto £750 cost to the other side. however i was assured this risk was very near zero as a judge would not really find against a lay person for a major financial institution for costs. i got paid very quickly after putting in my summary cause so heres hoping if this is the route you choose its the same for you

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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  • 6 months later...

Court papers in and date set for the 24th May so far no response from RBS but I believe they are masters at putting things into the court at the very last minute.

 

Just a waiting game now.

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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  • 3 weeks later...

received offer this evening by e-mail 3 days before calling to court, they have offered full amount and fees but they have asked me to accept this as a full and final settlement, but I had to split my claim due to the amount involved.

 

Just wondering how I should word my reply to them given that I would like to accept their offer for the current claim but I fully intend to submit a further claim for the rest of the charges?

 

Any ideas????

 

Cheers guys couldn't have done it without all the support on here (I nearly caved in when the court said they were going to defend! lol)

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Any ideas anyone I need to reply tonight or call them tomorrow and I am worried I get the wording of my letter wrong and then can't put forward my other claims against them!

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Any ideas anyone I need to reply tonight or call them tomorrow and I am worried I get the wording of my letter wrong and then can't put forward my other claims against them!

 

Vonnie...

 

Were new to this pretty much, but in respect of your question above, you can word it something like ' without prejudice'...

 

You need to search further in these forums or indeed moneysavingexpert.com, where there are other useful posts...

 

The wording basically allows you claim further costs/ unlawful charges without signing your rights away...

 

Well, please look further, this is only my rough belief after much reading...

 

Good luck...

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cheers clakkers I'm trying to sift through to find info but I am going square eyed!!!! lol

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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will do but losing the will to live now.....

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Share on other sites

received offer this evening by e-mail 3 days before calling to court, they have offered full amount and fees but they have asked me to accept this as a full and final settlement, but I had to split my claim due to the amount involved.

 

Just wondering how I should word my reply to them given that I would like to accept their offer for the current claim but I fully intend to submit a further claim for the rest of the charges?

 

Any ideas????

 

Cheers guys couldn't have done it without all the support on here (I nearly caved in when the court said they were going to defend! lol)

 

Vonnie32

 

We may have found something for you, if a little late...

 

Moderators, apologies as this points to another site's thread, but just trying to help out...

 

Both sites offer invaluable help, but sometimes, Its so difficult to see the wood for the trees...

 

help with letter refusing goodwill gesture please - MoneySavingExpert.com Forums

 

 

Hope this isnt to late...

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Thanks Clakkers I just sent them an e-mail saying I will have the cash thanks but not your terms. So they've been back on the phone and we've been negiotiating a deal....looks like I could have it all resolved soon.

 

On the up side they are considering settling all my claims at once!!! yeh.....keep your fingers crossed.

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Question about 8% interest folks. The bank claim that they will only pay the 8% from the date the court papers were served but I thought that once it was in the court arena we got the interest backdated to when the cash was taken from our accounts.

 

Can somebody put me straight here?????

My brain hurts.......

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Problem with negiotiating the interest, I thought since it has got to the court stage I was entitled to claim the 8% interest from the date the charges were taken from my account.

 

However the bank are claiming that the interest is only payable on the charges from the date the court papers were served.

 

Can anyone advise what the correct position is please????

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Anyone???? I need to e-mail them tonight and I need to contact the court to delay tomorrow's hearing and I don't want to do that if they are going to mess me about over the interest.

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Problem with negiotiating the interest, I thought since it has got to the court stage I was entitled to claim the 8% interest from the date the charges were taken from my account.

 

However the bank are claiming that the interest is only payable on the charges from the date the court papers were served.

 

Can anyone advise what the correct position is please????

 

 

Allo Vonnie...

 

Erm, like i said, done a lot of reading...this link may help, late again i know, but the info is there to be found...

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42749-bit-help-you-rbos.html

 

Its just can be a real pain to find...after 20 mins my eyes are ready to shut!

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Well I decided to go to court even though the bank said not to bother, the sheriff was really nice and very helpfull and the banks representative was how could I say less than dynamic! lol

 

So I asked for another hearing in a couple of weeks to allow us time to settle.

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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