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 refuse to negotiate on interest, even though they got help from the tax payer!


jono_2970
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3786 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

I have an RBS credit card account, but no valid card. I fell behind with payments some two years ago following redundancy, and an inability to get a new job. My savings are exhausted.

 

RBS say 'if you are having financial difficulties, call us' but all I got was cold people on the other end, saying 'we don't negotiate on the interest'.

 

The debt is not astronomical - it is about £3,800, and I was paying through my bank on DD. I can no longer afford to do this. Does anyone have any idea why RBS simply will not work with customers who are in trouble?

 

The worst thing? They removed my ability to pay on-line, and I was seeing some real progress there. It's like because they have been helped out, they don't care about anyone else.

 

Has anyone has successful dealing with RBS, and found them helpful and friendly (unlike my experience)?

Link to post
Share on other sites

I think that part of the problem you have here is in trying to deal with this on the phone.

 

If it were me I would sit down and do an income and expenditure account to see exactly what your finances are like.

 

You should then wrote to the lender setting out your financial position and the reasons and ask them to freeze interest for a period of, say six months, while you make reduced payments on the account. If £1 per month is all you can afford then so be it.

 

This is a low priority debt and you must ensure that priorities are taken care of first, things like mortgage/rent, council tax and the like.

 

The lender has a duty to help you if you are in financial difficulty.

 

Are there any unlawful charges on the account which you could claim back such as late payment fees etc.?

 

You could also look here as a starting point as to how these companies must help people in hardship.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/financial-hardship-unaffordable-lending.htm

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...