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  1. Hi all, This is quite an old issue, which I am able to address now. Approximately in 2002-2004 I opened a student account with Natwest Bank. Due to family issues and student debts, this account became essentially dormant not long after it was opened. This shouldn't necessarily be a problem, however there was an outstanding overdraft on the account. I have retained this overdraft following bouts of employment where i've been able to repay some of it, often setting up monthly direct debits of £40-50 - turning an overdraft of around £1600 to a now £800. Having examined some recent statements, I have realised that I have been charged numerous charges, often one justifying another. For example (fictitious figures at the moment, but close to originals from memory): £1500 overdraft receives £40 interest charges This pushes the account over the agreed overdraft for further charge of £15-25 Due to the account having activity (as if I were using it myself), it counts their own penalties as me using the account overdraft, for a fixed fee of £6. This downward spiral has been significantly muted now i've been able to pay off around 50% of the total cost, however I am curious as to if I will be able to reclaim the £6 account 'use' fee, despite me never actually drawing that money it - it was their own account interest that caused it to be 'active'. For information, I have informed their collection dept numerous times that I do not use this account so I should not be charged them, and once paid off in full, I wish the account closing. By my estimations, I believe (if the £6 is illegal/unfair) that the outstanding balance would be nearly paid off in full (approx. 10yrs of £6 per month, + interest). I feel that as a student I have been unfairly preyed upon, and even now, after nearly 7yrs after graduating, I am *still* trying to pay off this debt. Please could anyone advise as to anything I have mentioned, and if it is common/possible? Thanks for your assistance. (I understand that I will need an itemised statement dating back to account creation, which I will ask for if there is something to reclaim)
  2. Hi all, quick question - a 4yr + balloon PCP contract was signed about 5 months ago on a new vehicle which has had numerous issues, and culminated in a long drawn out 'falling out' between myself, main BMW dealer and BMW UK. Vehicle total cost: £38k. I have requested a replacement vehicle, and they are dragging their heels wherever possible - this is not unrealistic of me as replacement vehicles have been issued to other people of lesser and greater cars than mine. I have also instructed the Finance company of these issues and they have attempted 'fighting my corner' (still waiting on their result, but not holding breath). What are my legal rights with cancelling the PCP and giving the car to the finance company based upon these defects? Am I due compensation/recompense? Do I owe them (as the PCP usually attracts a termination fee, but this is for a manufacturing issue)? Original Thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?338399-BMW-Paint-Issues...(1-Viewing)-nbsp
  3. OK bit of an update - as expected, issues were attempted to be padded down by retailer and BMW UK ("this complies with our current standard" and "Black is worse than white for showing this, and you picked Black, so that's it"). As the car was taken over finance, PCP, where do I stand with cancelling my policy? FYI, the finance company are currently involved with BMW as I have now cancelled my direct debits based on this and informed them I was doing so. Following several meetings with Managers at my dealership, they offered me a discounted price of a £4-8k respray which will involve disassembling my car and rebuild it which I am to finance and they explicitly said that the paint issues affect Black cars the worst, and said White cars remain largely unaffected (not as obvious). As it is a new car (5months old) and I do not want the hassle with not having the vehicle for 1-2weeks (paying for a car I don't have) coupled with future issues of the knocks/rattles caused by the car being re-assembled, I have requested a replacement vehicle. Further evidence online indicates that replacement vehicles have been issued under similar circumstances too. On the chance that this is not successful, I am rejecting the car and the finance agreement, however where do I stand with this, as it is due to a manufacturing defect - do I owe them money? do they owe me money? etc Thanks in advance
  4. Mobile Phones Direct caved in as the £61.89 they owed me was cheaper than a lawsuit for their legal team. They are a relatively small firm so cannot afford big things like that. Phones4U/DialAPhone are still ongoing with me...
  5. Email reply from Dial-A-Phone (big sum - £240 combined):
  6. Both letters dispatched to customer services departments (only addresses I could get) for DialAPhone and for Mobile Phones Direct. Now the waiting game..
  7. I have involved the dealership now - 1. They have agreed to replace 2 alloys + exhaust (PENDING THEIR OWN INSPECTION - i.e. I leave it there for a few days). 2. They are not budging on the paint, so have called upon a heavy hitter Paint Manager from BMW UK to come to the dealership to 'take a look'. (i.e. tell me it is fine by his standards). My questions now are... 1. Can I reject the car as not fit for the price £37k? 2. Instead of #1, can I refuse to pay the monthly premium to BMW Finance, informing BMW Finance why? (do I leave the car @ BMW, or take it and then refuse to pay?) I don't care about my credit rating currently, so any threats to this do not change my viewpoint, but could #2 affect it out of interest? Thanks...
  8. Roger that! With baited breath I will await their feedback - if they do actually choose to. One company was for £63 total (Mobile Phones Direct - inclusive of my personal £10 for time/expenses) and the other for £240 (was same company - dial-a-phone). Watch this space...
  9. Thanks - have edited and will send tomorrow. Which out of Recorded or Special Delivery would you recommend?
  10. Will this letter be OK - just knocked it up now...!
  11. Hi, yes - those figures were generated by the Spreadsheet
  12. Cumulative totals... £108.77 £26.86 £82.69 Total: £218.32 Now for the letter draft... !!!
  13. I've got Barclays to send me out my full statements from 2008 to present so this will form the basis of the cost refunds... ... will keep this thread updated once I get access to this information and begin the talks
  14. Thanks very much - i'll need to get a full account print out from Barclays with which to take photocopies as proof (keeps me organised too). Out of interest, they appeared to be sold as 'FREE INSURANCE' - checking out my invoices. But there was never any disclosure as to fees. Assumingly that the 'free' bit was a week/month.
  15. Thanks for your fast response - when you said the 'third one' did you mean the 3rd Spreadsheet or only the third insurance charge above? If only the 3rd one, why do you think the 1st and 2nd aren't viable? (genuinely curious!). Thanks
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