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    • 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
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What Are My Rights?


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I'm with RBS and have a 600 quid overdraft facility (I'm only 18, and the lure was too much. How I regret it.)

 

Due to an addiction to internet shopping and eBay my overdraft has reached the sickening level of 1,138.33.

 

Due to me being unable to pay some requested PayPal payments I have amassed charges of some 36 GBP a go.

 

I have counted 521 GBP charges in a space of two days that seem unfairly excessive and most of which are due to unsuccessful PayPal payments.

 

I need help, what do I do next? I'm at my wits end, and I'm really frightened of what could come of this.

 

Thanks.

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Hey suede. Fear not, this isn't the end of the world. The 521 quid will come in handy in reducing that overdraft and you will obviously need to aim to get it under the 600 quid mark in order to stop from getting any more charges.

 

I would imagine that there may be other charges further in the past that may increase this estimate so that might help but you will have to try and curb your ebay obsession at least for the time being in order to get back in the agreed overdraft :D;)

 

First things first, have a read of the step by step guide here...

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

If you have your statements for all the months you have been charged, you won't need to do the first stage (SAR) but do check you have all your statements as otherwise you might be missing some charges off. Also bear in mind you might be able to get hold of your charges from online banking as they go back a fair way.

 

Once you have your statements, you could have a read through this...

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42749-bit-help-you-rbos.html

...I wrote up to help people identify what they can claim back and what they can't.

 

You may also want to send your bank a letter to tell them that the account is in dispute, that will ensure that the bank doesn't refer your account to a debt collection agency or take any further action against you until your complaint has been resolved. I shall find a link to a relevant letter for you later (in work atm and all my links are at home).

 

Lastly, if you are in a position where your income is being swollowed up by your overdraft every month, you could consider opening another account with someone else, transferring your income into their for the time being allowing your other account to "rot" until you have successfully claimed your charges back. Be aware though, that you should be seeking a basic account (ie without a switch card) as it would only be a temporary measure and you don't want to be credit scored in your current predicament.

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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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Cheers for the help, pal.

 

I've found another 30 quid in charges to bring the total claim to 551 GBP which will bring me within my overdraft limit and free from further charges from the scumbags.

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Do you anticipate their being any charges from further back??

 

No problems with the advice, any more questions, fire away.

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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BTW, I'm trying to download the 'Scotland - Simple' spreadsheet.

 

Also, rather confused by something else:

 

On the Prelim letter it says the following, "I calculate that you have taken XXXXXX plus XXX which you have charged in overdraft interest for the sum which you have taken."

 

It's the interest bit I'm lost at. I have looked at my statement and it says I was charged 3.49 in interest. Is this what I put in the second space?

 

Kind of confused with the 8% interest that I have noticed in other threads. Should I claim this? I really want the charges back with as little hassle as possible, I'm really naive when it comes to banking and most of the terms fly straight over my head.

 

Really sorry for the persistently stupid and ignorant questions.

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Use the one I link to in the RBS charges bit...

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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bump what?

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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Oh yeah misesd that bit sorry. Only once you go to court yeah??

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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