Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Can someone please help me with the next step for GE?

sillysow

By sillysow
in Store Cards

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5514 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

sillysow

sillysow

Posted
Posted

Years ago (2002) I had a River Island account with GE Capital. I got behind with payments, but had the debt down to £160 when they raised a ccj against me. This was paid within the month. Anyhow in Feb I sent them a SAR and yesterday received the statements and have done my sums. There are £450 in charges! Can someone please advise me on how to proceed - hopefully successfully!! Many Thanks, in anticipation.

Link to post
Share on other sites
Guest Old_andrew2018

Guest Old_andrew2018

Posted
Posted

Hi

 

here is a link to a letter suggested by Bankfodder http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html#post3489

 

In my opinion you will need to modify it for credit/store cards, you could hold off for a time as someone with more experience could be along soon.

Have you added any interest, you are entitled to claim this.

 

Regards

 

Andy

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

just follow the step by steps instructions on the home page and away you go.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • 2 weeks later...
sillysow

sillysow

Posted
  • Author
Posted

Okay so I wrote to them with the prelim letter ( although I modified slightly) on 1st Apr. Charges and interest come to £452.13, they have written back saying that a cheques is being processed for £102 in full and final settlement. Please remind me am I meant to bank it and then persue for the remainder? Do I do this with a LBA or straight to court?

Link to post
Share on other sites
Guest Old_andrew2018

Guest Old_andrew2018

Posted
Posted

Hi

 

As i understand it they are offering you £102.00 as a full and final settlement, are you going a head with your full claim if so you could write to reject the settlement, advising that you will accept this cheque only as a part payment.

I am sure there is a template letter somewhere.

 

Regards

 

Andy

Link to post
Share on other sites
sallysas

sallysas

Posted
Posted

There is but Steve's advice takes the matter on one step while acknowledging their offer as part-payment only. 2 birds with one letter so to speak.

 

Hope you hear something positive soon sillysow (and you're far from being that). :)

 

Sally

 

 

Link to post
Share on other sites
sillysow

sillysow

Posted
  • Author
Posted

Thank you for all your help, I am doing this one first as the next three are bigger, and I need to get them right. I have to say I am pleasantly suprised at how quickly they replied! LBA with a thank you for offer of part payment will be on its way tomorrow!

Link to post
Share on other sites
sallysas

sallysas

Posted
Posted

That's precisely what I did when I started - go for the easy one first to get a feel of the right steps to take and in the correct order. I found GE money easy to crack last year so I hope you hear something positive within the next fortnight. Then (if you're like me) you'll be a bit agreived when they settle before filing at court as the practice would have been useful!!!!!!!!!!!!!!!!

 

 

Link to post
Share on other sites
sillysow

sillysow

Posted
  • Author
Posted

Just out of interest - what GE have agreed to pay thus far is the difference between the charge and the OFT guided amount for a charge, and no interest. Am I right to go after them for the whole lot or am I likely to lose if it gets to court?

Link to post
Share on other sites
sallysas

sallysas

Posted
Posted

You've answered your own query - the OFT is a guideline only. They recommended that customers be charged no more than £12 and the true cost is probably pennies. Don't forget if you accept they have saved themselves over £300 and that is before you file at court with 8% on top. So no you won't lose at court with all the guidance you can have here as the court will not take the £12 guideline into account - it is not legal - just a recommendation.

 

I can just imagine the letter going something like 'although we do not agree with the OFT findings on this occasion as a gesture of goodwill we are prepared to send you a cheque for £102 in full and final settlement of this claim'. And so on and so forth............

 

Am I right or am I right? I've been there before you and doubted myself and I've won thousands now. Just keep going and keep posting. :)

 

 

Link to post
Share on other sites
  • 2 weeks later...
sillysow

sillysow

Posted
  • Author
Posted

7 days in to the LBA being sent - and no response yet. Have started studying MCOL and have bought the rec. book as shown on here to study. Any one had any successes with getting compound interest from them - or would I be better to keep it simple?

Link to post
Share on other sites
steven4064

steven4064

Posted
Posted
Any one had any successes with getting compound interest from them
Yes, me :)

 

ps I would strongly advise against using MCOL - it is much better for many reasons to use the N1 form and subit it to your local court by hand or by post.

 

 

Link to post
Share on other sites
sillysow

sillysow

Posted
  • Author
Posted

Hi Steve, don't suppose you could give me a few hints? I have not done this before. I have started the ball rolling on a few accounts so am new to this stage. Do I claim the 29.9 apr until the account was paid off and closed 2 years ago or to date? Equally I think I am gonna need some guidance on filing the claim. I have bought the patricia pearl book and am just waiting for it to arrive - hope it gets here soon.

Link to post
Share on other sites
steven4064

steven4064

Posted
Posted

If you reads my thread on GE Money you will see how I did it - I'm sure the POC is there. I claimed 29.9% until the account was closed and 8% therafter which is not how I would do it now. How I would do it now is as I did it in my Golfish claim - in fact I did that claim as a sort of model for claiming with compound interest

 

On interest, read my tutorial.

 

Both linked from my signature

 

 

Link to post
Share on other sites
sillysow

sillysow

Posted
  • Author
Posted

Thanks steve, is do you think you could give the POC the once over when I have completed it after the weekend. I would really appreciate some of your wisdom. You have clearly had a lot of successes with these case.

Link to post
Share on other sites
steven4064

steven4064

Posted
Posted
Thanks steve, is do you think you could give the POC the once over when I have completed it after the weekend.
Post it and we'll have a look. Have a good weekend - don't work too hard on it ;)

 

 

Link to post
Share on other sites
  • 2 weeks later...
sillysow

sillysow

Posted
  • Author
Posted

Just to say that I filed the N1 through my local courts on the 1st, and GE have until the 22nd to reply. Watch this space. I have also just sent my prelim for another GE account today !

Link to post
Share on other sites
sillysow

sillysow

Posted
  • Author
Posted

Still no news from them. If there is nothing in the post on the 22nd does that mean that I can go to the court and enter a judgement by default on the 22nd - or do I have to give them longer?

Link to post
Share on other sites
steven4064

steven4064

Posted
Posted

In principle you can go on the 22nd - however, in practice it is better to give tem a few extra days. The court may have the reply in their 'in' tray

 

 

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...