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

RBS Royalties Gold charges


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

Thread Locked

because no one has posted on it for the last 4445 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

Hi everyone.

 

I have a Royalties Gold account which has a charge of £12.95 per month.

The charge is normally taken out on the 10th of the month but this month it was taken on the 9th making me £9 OD. My money is paid in on the 10th.

I have today received a letter saying i'm being charged £6 for going £9 over drawn.

 

If this was a direct debit and they took it earlier I could complain under DD guarantee.

Is there such a thing for standard charges?

 

Thanks

 

JJ

Link to post
Share on other sites

No there isn't.

 

However, if you have a pattern of the charges being taken on the 10th then I think that you would say that it is a term of the contract that they are taken on the 10th.

You are normally given notice of when charges are to be taken. Were you given any warning in your last statement? Have a close look at it.

 

If you are sure that there has been no warning and if the charge is normally taken on the 10th, then you have good basis for a complaint on the basis of your contract and also on the basis of unfair treatment under BCOBS.

 

In the first instance you should write to them and complain - but if they reject your complain, you have to decide what you want to do about it.

FOS?

County Court?

Link to post
Share on other sites

Hi, thanks BF for replying.

 

I have just checked my statement and yes it was for the 9th. But i've had the account for over 2 years now and 22 out of the 24 months has 10th or later.

I've got to go into the bank in the next couple days and will make a complaint, and if they don't like it there are plenty more banks out there.

 

JJ

Link to post
Share on other sites

Well I think that this single earlier payment breaks a very settled pattern and therefore breaks the contract. The RBS won't agree because they are too stupid and inward-looking. The sudden change in the payment date - in theri favour - is unfair.

 

When you go in to the bank make sure that you tell them that they are in breach of their TCF - treating customers fairly obligations. Ask them for a copy of the BCOBS guide. They probably won't know what you are talking about. Tell them that you will add their failure to be able to inform you as to your rights will be added to your complaint to the FOS about the change in payment date.

I expect that you will get your £6 back - but you shoujld make the FOS complaint anyway as a breach of statutory duty doesn't cease to be that just because they give you your money back. You could suggest a compensation payment of £50 to drop the complaint.

 

Let us know how it goes.

Link to post
Share on other sites

  • 2 weeks later...

Hi, went into the bank today. And they are saying that me statements normally get sent out on the 25th of each month and the charges are taken 16 days later. As it was Christmas they sent out the statement early so took the charges early. They are going to cancel the extra charge they were going to take for making me overdrawn.

 

JJ

Link to post
Share on other sites

Well done.

Thanks for letting us know

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...