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
      • 161 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
  • Recommended Topics

FFG V First Direct


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

Thread Locked

because no one has posted on it for the last 6499 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

Just printed the letter to be sent tonight to First Direct giving them 14 days to agree to pay back what they charged me. Wish me luck...

 

Just out of curisioty those of you that have gone against FD did they create a lot of fuss or are they paying fairly quickly?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

Link to post
Share on other sites

I'm sending this one: IS IT WRONG???:-o

 

[your address]

 

 

 

[their address]

 

 

[date]

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

etc, etc, etc

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

Link to post
Share on other sites

Nope the right one I think. ! Good luck sent mine the same yesterday. ! :D

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

Link to post
Share on other sites

Got a letter from the bank saying they are sorry that I am unhappy but will reply to my query within 10 days... :) Let's see... will keep you all posted...

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

Link to post
Share on other sites

  • 2 weeks later...

Well no word from FD since the "we will reply to you within the next 10 working days".

 

Posted LBA today recorded delivery... see what happens next...

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

Link to post
Share on other sites

Got a letter from FD ofering me 1033 instead of my 1434...

 

I have already sent my LBA but feel I should aknowledge the letter from Mr Kernaghan...

 

I was thinking I could send an internal message through internet banking explaining that I have sent my LBA and will continue to court action unless they repay my charges in full, do you guys think this is ok?:?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

Link to post
Share on other sites

Got a letter from FD ofering me 1033 instead of my 1434...

 

I have already sent my LBA but feel I should aknowledge the letter from Mr Kernaghan...

 

I was thinking I could send an internal message through internet banking explaining that I have sent my LBA and will continue to court action unless they repay my charges in full, do you guys think this is ok?:?

 

Did the 1434 include interest on your charges? You shouldn;t really calculate the interest unless you go through to the claims court. If the 1033 is the actual amount in charges, I'd accept. :tu:

Link to post
Share on other sites

The 1434 only included the interest deemed to have been charged on the charges themselves..

 

URGENT HELP NEEDED... I have included on my schedule of charges arrangement fee, I have had a call from the bank saying that I cannot claim those back... is this true or has anyone else been able to recover these?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

Link to post
Share on other sites

The 1434 only included the interest deemed to have been charged on the charges themselves..

 

The interest @ 8%? You shouldn't claim for that yet - not until you file a court claim.

 

URGENT HELP NEEDED...
I have included on my schedule of charges arrangement fee, I have had a call from the bank saying that I cannot claim those back... is this true or has anyone else been able to recover these?

 

Arrangement fees should not be included - only charges called overdraft or excess overdraft fees can be included fees - any interest on the authorised overdraft amount cannot be included.

 

On your statements, what are the descriptions of the charges you've claimed for?

Link to post
Share on other sites

it wasn't the 8% it was the debit interest charged on the overdraft fees..

 

thank you for the reply... it just so happens that I included all these arrangement fees which means that my claim was seriously overstated...

 

This now means that the bank offer of £1033 is very close to the actual total I should have claimed of 1037.07...

 

I think it is a fair offer and am going to accept it... I can live with a loss of 4.07...

 

Thank you for your help

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...