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
  • Recommended Topics

Wrong Account Paid


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2534 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've inadvertently paid £5,000 to an account from my online bank account.

 

I was rather stressed and assumed the payment details I'd already set up were correct. However when the payment didn't show up on my credit card statement I then double checked and realised the wrong account had been used.

 

The tricky thing is that the account I paid into belonged to my daughter. I'm not sure if the account is still valid as she has now had some sort of debt repayment order which may or may not have included this card.

 

I'm abroad on holiday and won't be back until next week and although I have my phone with me I can't get a signal to make calls.

 

What is the best thing to do? Contact my bank to see if they can reverse it or contact the credit card company? Both accounts are MBNA which is how the mix up happened.

 

I'm not sure if there was any outstanding debt on my daughter's account but, if so, can they keep it to pay off any debt owed even though she has this order arranged.

 

I'm vague about what the arrangement she has although it was done through a third party debt help company which lumped all her debt together and she now pays a monthly sum to them. I don't want to get my daughter involved if possible because she's not very reliable.

 

If I lose this money I will not be able to pay my debt as I have very limited income.

 

Any advice would be great before I try and sort this out. Please ask if you need any further clarification.

 

Many thanks in advance.

Link to post
Share on other sites

One problem here is that the receiving bank is your daughters bank and not use so they will refuse to deal with you.

 

You should certainly contact your bank immediately. You should do it on the phone if you can and make sure you record the call but also follow-up in writing.

 

Your daughter should contact her bank and explain the error. Once again she should do this on the phone immediately but also in writing. I would suggest that she basically sends a letter of appropriation. This is normally used to protect certain priority payments but I don't see why it shouldn't be used to protect money which has been paid in error.

 

A letter appropriation would be headed "Letter of Appropriation" and then go on to say that this is to inform the bank that X number of pounds paid into her account on X date was paid in by her mother in error and that the funds do not belong to her and they must be returned and not applied to any debts or payments.

 

You need to do all this now. I'm sorry that you are on holiday frankly if you have made this mistake then if you delay then it will cause you problems.

 

When you get back from holiday come back here and we'll see if we can help you further if the bank turns out to be uncooperative – which it probably will.

 

I think the letter of appropriation is extremely important because that will make things clear beyond doubt. If they then go on to ignore that then I think you have a basis for an effective complaint.

 

Although you are abroad, you need to get these letters off to the two banks by guaranteed next day delivery – even though that will cost you quite a lot of money

Link to post
Share on other sites

You are right. I am trying to sort it out.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...