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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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Percy v RBOS - Let battle commence!!


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I was going to put Darren v RBOS but there's already a Darren here so i'll use my nickname Percy instead.

 

I've been reading lots and lots and just printed my S.A.R - (Subject Access Request) letter out:-

 

16 ********,

*******,

*****.

GU27***

 

1st November 2006

 

Royal Bank of Scotland,

Senior Customer Relations Manager,

Freepost

PO Box 1727

Edinburgh

EH12 9JN

 

RE: Data Protection Act 1998 – Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: ******** – SORT CODE: ******

ACCOUNT NUMBER: ******** – SORT CODE: ******

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

Darren Thrower

 

-----------------------------------------------------------------------------------------

 

Would this be ok - is that the correct address to send an SAR to?

 

Yes it is 02:30 as i'm on nights - well there's no phone calls so what else am I to do? hehe

 

Thanks for all your posts so far and lets hope I can go on the SUCCESS post!!

 

Best regards,

 

Darren

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Looks fine to me.............

 

Can't help you with the address tho. I just sent mine to customer services for BOS and it found its way to the right person.

 

The joys of nightshift eh..................same here!! Roll on the morning!!

Darren :p

 

BOS - WON - £5.6k

------------------------------------------------

Virgin Mastercard - WON - £300

------------------------------------------------

Barclaycard - WON - £200

------------------------------------------------

Lloyds - WON - £1.6k

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Blimey!!

 

I didn't think i'd get a reply til at least 8am!!

 

I took the address from BankFodder's Contact post so it should be ok.

 

I just can't wait to see how much charges i'm owed - i'm guessing for the last 6 years it's got to be about £10k - i'm so crap with money!!

 

Apart from this - all money matters are now dealt with by my better half!!

 

What job keeps you up at this hour?

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  • 2 weeks later...

Recieved a letter from RBS yesterday:-

 

RBS LOGO

Business House B

PO Box 1000

Edinburgh

EH12 1HQ

Telephone: 01316261165

Facsimile: 01316263049

 

Strictly Private and Confidential

Dear Mr Thrower,

DATA PROTECTION ACT 1998

 

Thankyou for your application requesting your personal data held by the Bank.

Any information that is required to be provided to under Section 7 of the Data Protection Act wil be forwarded to you at the above address as soon as possible.

 

In the meantime we acknowledge reciept of the payment for £10.00 in respect of the fee.

 

With reference to your request concerning any 'manual intervention' to the administrative charges debited, these charges have been processed in accordance with the terms and conditions of our current agreement with you as a result of the activity on your account. In the event that you breach the terms and conditions, we will take the appropriate action, contacting customers when appropriate, or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted on the account.

 

If you have any queries relating to this matter please do not hesitate to contact me at the telephone number shown above.

 

Yours sincerely,

 

Joyce E Tudor

Retail Regulatory Risk

 

-------------------------------------------------------------------

 

Anyone got any comments on this?

Or is this just a standard letter sent out?

 

Today I recieved a large package with all my bank statements from 2000

My other half is going through them highlighting the charges.

What can we claim back and what can't we claim back?

That's my problem now - I don't want to start claiming stuff i'm not allowed to slow up the process!

 

Any help greatly appreciated!!

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Hmnnn seems like Joyce has re-vamped the auto reply.

Quite different to the one I got.....but that was back in July.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Percy, ive not started my claim against RBS, I am tackling others first. However in relation to what you can claim for, take a look at the FAQ section which covers this in detail. The trickiest bit I found was the interest part of the reclaim, ie the interest they will have charged you on top of your penalty charge. However if you have all the statements then you should be able to do this easy enough with the complex spreadsheet for charges which you can find in the templates section. TSB have scuppered my attempt to do this as they have only sent a list of charges and not the full statement so I cannot calculate the true interest charges. Sounds like your quids in though. good luck.

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  • 5 months later...

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

 

on the right hand side

 

£10k?

 

:-o

 

dear god, what an earth were you up to?

 

big total, take your time and get it right, lots of reading of other threads for you

 

claim interest on the charges at the very least, you've got loads of capital for the interest to work on

 

cor

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You know, 5 months on, I would HOPE Darren isn't STILL looking for the FAQs Micky!! :D:p:D:p

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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:lol: :lol: :lol: :lol: :lol:

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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