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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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CraigDiver v Bank of Scotland


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Hi,

 

I have just asked my bank for a list of bank charges over the last 6 years and they have clearly stated that if I pursue this they will close my account and i'll not be able to open a bank account anywhere else.

 

Can they do this, is this lawfull?

 

Should I be concerned?

 

Craig Campbell

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They can close your account which is why it is recommended by the site to open an account with another bank not connected to HBOS. Welcome to the CAG family

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They can close your account which is why it is recommended by the site to open an account with another bank not connected to HBOS. Welcome to the CAG family

 

My wife also has a seperate account with the Bank of Scotland, will they close that too (have £3000 overdraft and can't afford to pay back instantly)?

 

Or will they accept a repayment schedule? any thoughts?

 

Craig

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Do all banks threaten this because this is the only thing that puts me off I don't have an income other than incapacity benefit and tax credits so am unable to open an account with any bank other than Barclays with whom I have banked with for over 12 years but Im sick of the charges.:mad:

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KAIZER ... surprised at your comment. I am sure you can open an account at a bank to suit yourself. You may need to put a few £'s in to open matters ... but then you just advise the benefit and tax credit offices of your change of bank details and payments go in to your new bank account.

James

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Our situation;

 

My Bos account overdraft £100

My wife's account overdraft £3,200

My wife's BoS credit card £8,000

 

If i pursue bank charges and they close accounts, we cannot afford £11,300 to pay them back immediately.

 

I thought that we could ask for details of charges going back x years and then make a decision wether to proceed, however, it appears people have had there bank accounts closed at this early stage of just requesting the information.

 

Please give me some good advice, we can not be the only ones in this situation and I do not want the BoS to defeat us.

 

Craig

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I'm surprised at this - have you claimed charges from them before ? Can you give us more details of their letter ?

 

Cheers

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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When I heard of this bank tactic, I added into my into one of my letters that any attempt to close my account would be meet with legal action.

 

I am at the MCOL stage and so far they have not said that they will but I am still waiting!

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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I'm surprised at this - have you claimed charges from them before ? Can you give us more details of their letter ?

 

Cheers

 

I have never taken action against them for bank charges.

 

I had a verbal discussion with a customer service supervisor whom stated that if I proceeded to ask for bank charges back, or details of historic bank charged - I would see my account closed!

 

Can they lawfully close my accounts? Can they demand all their money back without offering the option to pay it back in installments?

 

Is this all just threats to put me off claiming back bank charges?

 

Craig

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When I heard of this bank tactic, I added into my into one of my letters that any attempt to close my account would be meet with legal action

 

What would you base your legal action on? - i'm sure in their T&Cs they have the right to close anyones account for no reason!

 

Is it just part of the process that you get you account shut-down or does this not happen very often. Have you been in debt with the bank when your account has been closed?, what happened?

 

Craig

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My understanding is that they wont close your account unless you claim for charges a second time - sounds like an over zealous call centre space cadet. Re legal action there are a few threads about how you can complain to the banking ombudsman if the are deemed to be taking retalitory action to your claim.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Definately open another current account with a different bank just now (incase they close your account....it has happened).

 

The bank cannot close your wifes accounts as they are in her name and not yours.

 

I seriously doubt that the views of this customer service person is the last word of the bank, many people have succeeded in claiming and have kept their accounts open. Read a lot of threads on here and you'll hear the same threats re-iterated by lots of banks.

 

Go for it...theres lots of advice and help available on here.....remember its you who is the customer not them......so if need be vote with your feet and once you've successfully reclaimed YOUR money, close your account with them.

 

chin up, you'll get there.

**ROYAL BANK OF SCOTLAND

2/11/2006 - Sent S.A.R - (Subject Access Request)

16/11 - Statements Received (envelope slightly torn, no cover letter)

18/11 - Acknowledgement of S.A.R received

12/12 - Prelim Letter Sent Recorded Delivery To Local Branch

30/12 - Offer received for all charges minus interest

13/01/07 - Letter of rejection sent,along with new prelim (adjusted interest calculated)

29/01 - LBA sent recorded delivery

**NATIONWIDE**

5/11/06 - Sent S.A.R - (Subject Access Request)

13/11 - Acknowledgement of S.A.R received

23/11 - Statements Received (Special Delivery with cover letter, very impressed, good service)

12/12 - Prelim Sent Recorded Delivery To Local Branch

13/01/07 - New Prelim sent (adjusted interest calculations)

29/01 - LBA sent recorded delivery

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The majority of my bank charges are for Barclays honering cheques etc due to CSA not paying the money in on time due to computer errors(CSA still say that I should not ask them to refund charges) so my bank records look like I am continually going overdrawn so no other bank would accept me to open another account due to credit scores so what option do I have but to accept the charges and do nothing!

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hiya all

I am trying to recover 350.00 charges from one account, virgin, part of rbs. I have complained to them by email and phone and now they have sent me a letter advising their terms and conditions, plus a line highlighted that my account performance will be given to the credit agencies.

My question also to you guys is ,as given by all from advice from this site, i have already set up another bank account my ddi sta and saleries are in the new account, but i had asked one account to advise me of what their actual costs are for the charges not 29.00 each one to let me know my dd had failed. I even advised them on the phone i was happy to pay some payment but not the 29.00 on some days 3 times. I have a debit balance of 255.00 - do i pay this back to them as i feel under durress to do, to protect my credit file. Or do i persue the first letter for the 6 yrs statements and any manual intervention? Then write the next letter advising my request for refund of charges? By the way did any one read daily mail saturday last, a customer rbs went in with the bailiffs, and got his money back.

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Sorry in my unsure way of doing things here forgot to say thanks and await your replies, many thanks maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Kaizer

I 2 only get incap and wtc yes the bank could close your account

Lloyds threatend me with this but didn't carry it out as i think they realised if they did they would be 18k down and unable to get it back

anyway you can open a basic account with other banks (in theary the bank cannot stop you opening a new account with another bank)i got the info from citizens advice . you could change your accounts to basic or

get intouch with incap benifit and they can arrange a post office account to pay your benifit in you can also pay wtc in as well (you cannot pay out dd or s- orders you can only withdraw cash ) if you decide to claim you can get help with court fees . i also got info and help from the consumer credit counciling service (they have a web site )

any way good luck with what ever you decide

if i can help any more just shout

Dave

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Yes long overdue.

Just one point......Is your user name here also your real name ?

The banks are actively monitoring this site so if this IS the case.....then you should pm Admin for a username change.

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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