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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Skintnscared V RBOS... but worried


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Hello, I’m Skintnscared and err… not the sharpest tool in the box. So could someone please help? I’ve read the FAQ but I’m still not sure of exactly what I can claim and I’m worried about cocking it up.

I have my last six years statements (at the cost of £5) and have deduced that the bank are in the possession of about £3850 of my seriously hard earned cash. But I need to know whether I have calculated it correctly as I don’t thoroughly understand my statements.

 

Statement.jpg

 

I have just added everything above together, but I am sure that is not right.

I have been putting this of for some time. I can’t be having it any more. As soon as I think I’ve got myself straight, I get slapped with another charge which sends me over my overdraft, which they happily charge me for. Some times they pay my direct debits, sometimes they don’t. Either way they charge me. If I phone the bank, I just got some patronising jobs worth fobbing me off and telling me it’s my own fault. I have learnt to budget and keep my eye closely on my money of late (I now hate beans on toast, and the sight of pasta turns my stomach) I can’t continue like this just to subsidise the RBOS.

They have also been dishonest or incompetent in the recent past (It can only be one or the other) but that’s another story.

Like I have said. I have my last six years statements and I am desperate to get the first letter in the post. I just want to be sure I am putting the correct charges down. I want to nail these pilfering towrags.

 

Thanks in advance,

Oly.:x

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Ok. first things first. Do you have a royalties account?

 

If so , there will be a fee you pay every month (somewhere between £5-£15 probably). This will be taken off your account on the same day every month, possibly 1 or 2 days different). These charges you CANNOT claim back.

 

If you have this service, RBOS are in the habit of combining this "fee" with any other bank charges.

 

Therefore, what you need to do is identify how much you pay for Royalties and deduct this from each month. From there, you will have a good idea what your "penalty" charges are. Then copy the info into Vampiress' spreadsheet and that is your starting point.

Dont worry, it can be a little confusing at this stage, but that soon clears up.

 

If you have any other questions just post them or PM me, and I will try to point you in the right direction.

 

And for what its worth, about 3 months ago I was in exactly the same position as you and I would recommend that you read lots of the other RBoS threads (especially the longer ones). This will give you a great idea of how they play the game and what to expect. And Finally......dont forget....they have YOUR money and the law says you should get it back. End of.

 

Hope this helps.

 

j

 

 

God....that was a long post!:grin:

  • Haha 1

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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anything on the statements that said charge i claimed for and i won all mine back last month although i didnt have a royalties so that issue never arose with me. good luck (not that you need it) with your claim and lets hope you have all your money back for xmas

rbos prem letter sent 25th aug 06

give me 10 more days letter received 2nd sept 06

lba sent 7th sept 06

settled in full 7/10/2006

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On the statement you have listed above it shows you are a royalties gold customer. Royalties Gold is currently charged at £12 a month. That would be the "PLUS A FEE OF" bit underneath. Therefore, from that sheet you have attached, you can claim £28 out of the £40. This is an arrangement fee which has probably been charged to your for being overdrawn.

 

Funnily enough, I've just put up a thread on this here. That should help...

 

Good luck!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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And if you are skint, then start by getting rid of the royalties! If like me, you think its handy but end up not using it one bit, what is the point of having it? I had it for 6 years and I honestly can't think of what benefit I got from it. And it cost me £144 a year!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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hey Taff......ditto

 

once my claim is settled, I'll be ditching the royalties. It's a [problem].

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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HI

I have just sent off my letter with charges. I noticed only now that a spread sheet is used. I have sent a copy of my statements highlighting the charges along with the letter giving them 14 days to act. Will that be okay. Please e-mail me at [email protected] if anyone can advise. Thanks

 

gerard dobbin

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