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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 
        • 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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Co-op did not remove a CPA!


gaviebaby
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Hi all,

 

decided to take control of finances and stop robbing Peter to pay Paul.

 

called my bank to cancel a specific CPA and guess what - CPA not cancelled. :-x

 

Had a plethora of promises - money will be recalled - won't happen again blah blah blah.

 

My confidence in them has plummetted.

 

I have made a complaint to the bank - looking for some advice if there are 'alternative' groups/CEO's etc that should be receiving a to-the-point email.

 

GavieBaby

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You should make a complaint to their head/registered office. Identify your letter as a formal complaint.

 

 

1: The banks must cancel your CPA if requested and refund the money swiftly if the payment goes through. You are I believe entitled to compensation if you suffer any losses.

 

2: If the bank refuses to take your complaint seriously, then you should make a complaint to the Financial Ombudsman.

 

I have posted 2 links below that you should read.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?395493-Been-refused-cpa-cancellation-since-nov-2009-Go-get-your-money-back-now!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?399260-Feel-that-you-ve-been-treated-unfairly-by-your-Payday-loan-lender-COMPLAIN-TO-THE-FOS!!(17-Viewing)-nbsp

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks citizenB - email fired off and will post the same letter registered later today.

 

Cannot believe how ridiculously unprofessional some banking staff are.

 

Will wait with anticipation as to what happens next.

 

G.

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After a ding dong with Co-op customer services who don't know their **** from their elbow, I went direct to the CEO. Boof, done dusted and no further problems. All CPA's cancelled. I'm in discussion with the senior customer service person about something else but she's now stalling on her replies. I'm just wondering if they are up to something with the other banks.

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I have to say, the Co-op disputes team are true to their word and I even have had them call me to advise of suspicious activity on my account.

 

Any monies taken has been refunded.

 

Thumbs up to them:-)! IMO, I would ask to be transferred straight to the disputes team!

 

Now to deal with a PDL company who obviously excel in texting, but are sadly lacking in reading emails....

 

Will update when Co-op reply to me.

 

G

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This sounds a bit more positive, gaviebaby :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

Update from post above - spoke to a nice young lady at Co-op who apologised and actioned refunds immediately. Also compensation was credited to my account with the assurance it would not happen again. A couple of days later I received a letter which confirmed all that was said during the telephone conversation. A handy contact name and number, although it is for office hours only..... hence what happened last Friday.....!

 

Two further amounts withdrawn last Friday thanks to CPA - the company trying to withdraw refuse to acknowledge any communication etc. Anyway, telephoned the Co-op on Saturday evening once I was aware and informed nothing they can do until Monday morning! Do not think so! Quoted FSA guidelines (obviously now FCA) and pointed out where the bank makes a mistake it needs to be rectified immediately, not in 2 days time! Checked my bank 15 minutes later and money refunded. Short of closing my account, there is apparently nothing that can be done.

 

Beware - even if you cancel a CPA with your bank it can still be processed! And do not take No! for an answer - go to the top if necessary!

 

I feel empathy for those who struggle with finance and find their accounts cleared by an authorised CPA - its a horrible feeling knowing that your money has been taken without your consent.

Will keep updating as I progress again with another compaint!

 

Gaviebaby

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks citizenB - have carefully noted and recorded all communication I have had with them. Will advance to the FOS now.

 

Curiously, PDL's say much more than they should in a telephone conversation....!

 

G

 

Which is why we always advise that unless a call can be recorded - everything should be in writing.

 

Another way to put them on the back foot is to summarise the call in writing (your understanding of what was said) - then post to their Head office.

 

Something like..

 

Dear Sir or Madam,

 

References.

 

On DATE, I spoke with one of your representatives.

 

This is my understanding of that conversation.

 

1: Your agent suggested that they sell my cat, send the bailiffs in without first having issued a court claim.

2: That any liability owed to your company is a priority debt - placed above my rent/council tax

3: It was suggested by your agent, that they could camp on my doorstep.

4: They advised that they would make attempts to use the "now cancelled" CPA instructions, every day !

5: It was advised that they would telephone/text to all phone numbers that you hold for me, every day, several times a day.

 

If you disagree with the above, perhaps you could advise me how your agent understands our conversation. Perhaps there is a recording of the call, if so, perhaps you could provide me with a copy of this.

 

(If you recorded the call then you would replace with)

 

I would point out that I do have a recording of this call, which will be used in any further action, I might take against your company !

 

etc, etc,

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Look forward to the next instalment :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You also MUST inform the FCA of the banks actions. They are breaching statute regulation, and the FCA is coming down hard on banks that ignore the law.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Renegadeimp, I was stalling going down that route as once I had brought the transactions to the Co-op's attention they did respond fairly quickly even if I did have to point out regulation to the telephone minions. However, it is clearly shown on my bank statement a number of unauthorised transactions and 'credits' that have been applied when it has been pointed out.

 

Would I benefit from informing the FCA? Or would Co-op play hard ball and decide my account should be closed?

 

G

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  • 3 weeks later...

Okay another update! Co-op have decided to let another couple of unauthorised CPA's leave my account. Financial Ombudsman very interested..... so forms being filled out and sent off hopefully later today.

 

Anyone have an email for CEO or anyone else who may be cheesed off at their minions unprofessionalism?

 

G

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This the email for Co-Op financial services which includes the bank

 

[email protected]

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Contact fca as well.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 year later...

Thought I would give an update from this whole debacle!

 

 

I received a call from CEO's team apologising etc etc, won't happen again blah blah.....

 

Offer of additional compensation which was duly accepted.

 

 

Within 3 weeks the lovely people at Coop decided they were closing my account as I had been overdrawn!

No surprise when they authorised CPA's!

 

I went elsewhere and the difference is amazing.

My new bank are very helpful and so far no issues.

 

My advice?

If there is an issue go to the top of the tree and annoy them,

the response in my situation was quick & satisfactory.

Closing my account, their loss,

 

G

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Very frustrating that rather than admit their mistakes and ensure they are rectified correctly.. they would rather close a customer's account !

 

Hey ho, at least you were able to set up a new account with a bank that appears to be more user friendly :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 8 months later...

On a side note here have you checked whether or not your account has been accessed at any time for any reason by staff at branch level without you being present or on the phone to them ?

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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On a side note here have you checked whether or not your account has been accessed at any time for any reason by staff at branch level without you being present or on the phone to them ?

 

Do you mean Coop? If so, then I would not know as I have not requested that information. What would the benefit of that be?

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