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 say they cannot trace my account


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

Thread Locked

because no one has posted on it for the last 5759 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,

 

Don't know if anyone can help, RBS closed my account in 1999. I sent a Data Protection Letter with my account numbers but they have written back stating they have no record of the account. I intended to apply to have the statute of limitations overturned to claim back the charges, but if they are saying they have no record of the account I don't know where to go from here.

 

To further complicate things, they passed the (overdraft) debt on to a company called BTMK. They reduced the amount originally demanded and I was paying them £50 month for years (repaid £1,118.91 in total). Anyway stopped paying them in April when this OFT announcement came out. BTMK started sending the nasty letters and I wrote asking for the deed of assignment, (11th August 2006). They wrote to me stating they had wrote off the remaining £500 which they said was outstanding and my case was now closed. They returned my £1 postal order. They then phoned me and said that I acknowledged the debt by agreeing to repay the reduced amount and if I pursued the matter they would make me repay the £500 they have written off. I have still not received the deed of assignment and want to know if I can take action to recover the £1,118.91 I have paid to them. Also I want to know if I can use BTMK to get RBS to acknowledge the existance of my account.

 

Would really appreciate any advice on this one.

Link to post
Share on other sites

I had similar problems with old, now defunct accounts. I gave RBS a list of my previous addresses, account opening branch, date of birth -every identifying thing I could think of, but they claimed they could find no trace. I hadn't kept my old statements, which were lost during a house move.

 

Luckily I found an old compliments slip which had the current account number on it so using the SAR got those statements, and trawling through them I found my linked loan account. Still having throuble getting those staements but a letter to the information commissioner is on its way.

 

I don't know what I would have done if I hadn't found the old compliments slip. I find it hard/ impossible to believe that RBS don't have a database record somewhere.

 

Can anyone else think of something to help Soudimail? - I think the bank are just playing games. I certainly found them infuriating to deal with when I didn't know my account details. Common sense says BTMK must know the account details and RBS must keep records of debts they sell/ pass on.

Link to post
Share on other sites

  • 1 year later...

I've had same response on an old account - fortunately I have the statements so they're not getting away with it!

 

I think this must now be a standard response from RBS until you start to get heavy. I'm going to report as well as claim.

 

It will be interesting to see how many more CAG members post on this.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

NatWest can't find my accout details and the account was closed by them two and a half years ago. I fail to understand why details would just be wiped. They need to keep them for a number of years, right?

 

My case is below, any help is appreciated.

http://www.consumeractiongroup.co.uk/forum/natwest-bank/147769-natwest-****-allegedly.html#post1571344

Link to post
Share on other sites

Can't believe NW haven't got them after only 2.5 years. I understand companies have to keep them for a minimum of 6 years after your contract (account) has finished. Think it's statutory - to do with Companies Act & Statute of Limitations etc. Maybe check on the provisions of the act?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

If you have the account no & sort code, they have the data. we did our SAR in march & got back statements from 1991. however 1 account we couldn't find the acc no for, we gave them the sort code, date it was opened.....but still nothing. Unless its on the screen infont of them it never existed. Don't believe anything they say.

...keep asking questions.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...