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

Kay2007 v Bos


Kay2007
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6295 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 would be so grateful if anyone could give me advice or help:

 

From when I was 16 (1990 onwards), I held a Bank of Scotland current account. I held this throughout my extensive univesity training. During those lean student years I several times went overdrawn (over my limit) and would be bombarded with very expensive (20-30 pound) letters from the Bank, to tell me I was over my overdraft limit.

 

I left the country to live in the US in 1999, and moved back to the Uk again last year.

 

When I left the country, I had an arranged overdraft, which I was within.

 

Whilst I was away, I had a limited correspondence with the BOS after I left the country, then heard no more.

 

When I returned to the Uk, I tried to access my account again. I was not sure what state it was in. However, the Bank of Scotland refused any knowledge of me ever having an account with them. At the time this was extremely inconvenient. I contacted head office to ask what had happened? Had my account been sent to a collections agency? They knew nothing.

 

Then about 6 months ago, i received an email from a collections agency based in the US to say they had bought my debt from the BOS, and it was for circa 3000pounds.

 

I wrote to the collections agency to say that I wanted to see what information they had re. my account, and have heard nothing.

 

I believe that once my arranged overdraft period had expired, the BOS were charging me routine fees which must have added up to the amount the collections agency are demanding.

 

I want to sort this out, but don't know where to start. My feeling is that over the years, the BOS have charged me extraordinary amounts in unfair bank fees, which resulted in both me being overdrawn initially, and presumably in how the debt I was informed about got so high, however, seeing as they are denying all knowledge of my account ever existing, I am finding it impossible to know where to begin with this.

 

If anyone can advise as to how I should proceed, I would be so so grateful. I feel stuck in a Kafka like nightmare with all of this.

 

I am very excited to have found your site, and really hope that you can help me sort this mess out.

 

Thanks in advance.

Link to post
Share on other sites

Your contract was with the bank here,unless there was another agreement drawn up,which is clearly not the case.

It was the bank here who took the charges so its them you need to be focusing on.

You should send the S.A.R - (Subject Access Request) to them and get what they have on you.

Presumably they were sending communications to an address here in the UK ?

You may be asked to provide evidence of your ID for this,they are entitled to ask for it.

There may be issues of limitations here,however all you can do is request what you need and see whats forthcoming.

The fact that they sold on to a foreign dca your account,should have no bearings on your ability to launch a claim against them here.To be honest I have not heard of such a case like this,but the procedures that you need to follow,should be no different to the ones that are practiced and followed here.

As regards the 6 year limitation period you may like to read here;

 

http://www.consumeractiongroup.co.uk/forum/general/3598-do-you-have-charges.html

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.

 

 

Link to post
Share on other sites

Thanks so much for getting back to me and so promptly. You are correct in all your assumptions, and I will definitely do the SAR, but I being a newbie, can you tell me is there a formal template for doing this? (I am trying to read up as much as I can from the site asap.)

 

Wish I'd known about you guys during my financially tormented student days. Thanks (again) in advance.

Link to post
Share on other sites

Hi your posts moved into BOS bank group.

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.

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...