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    • I'm trying to work this out as I go along. The first thing to do is to think about this not as a car – but simply as a £value. This is especially so as you have said that it is not a rare BMW. This means that you could purchase another one and it would mean just the same to you. You bought the car for £16,000 – and presumably that was the value you gave to the insurance when you bought the policy – is that correct? If that is the value you gave to the insurer then on my understanding of these things, that is the maximum you would be entitled to claim. This is the amount you got so although you lost the car (£16,000), it was fully replaced by the payment of £16,000 – minus, of course, the excess – but that was part of the deal anyway. I've looked at the RAC website for the meaning of the various categories - https://www.rac.co.uk/drive/advice/buying-and-selling-guides/changes-to-insurance-write-off-categories/   I see that a Cat S means that there could be structural damage. Cat B means that the car must be broken for parts. You say you would like to get the car back because you consider that it can be repaired. Personally I think I would be very worried about this because if there has been one inspection which is rated it as a breaker and the second one rates it as having possible structural damage – but repairable – it seems to me that there is a huge risk involved. Supposing you got the car back and proceeded to repair it but in fact found that there was some structural distortion so that the geometry of the car made it difficult to drive. You would then have a real lemon on your hands – and of course you would have allowed a fair amount of money and trouble into getting it going. Apart from the fact that Hastings behaviour is all rather suspicious – I'm struggling to see what loss you have taken on this. You would have had to pay the excess anyway – in any event. You have now received £16,000 payment so you are in a zero-loss situation and you could simply go out and hunt around for another car for the same money. The only thing that I could see which could complicate matters is if you come back and tell us that in fact the car was a huge bargain and that it would cost you more than £16,000 to replace it. But in that case I would have to ask why did you only insure it for £16,000? The second complicating factor might be that in the four months that you had it, he spent a lot of money on improvements and you have managed to recover that. Maybe you could let us have your comments on this and also let me know if there is anything which I've misunderstood  
    • Well today is the 20th so let us know if you have had a disclosure by the end of the day.   Of course you can bring a claim for breach of statutory duty – but in order for it to be a small claim you would have to claim an amount in financial compensation. Luckily under the data protection laws you can claim for distress without having to prove any physical damage or economic loss. I happen to know that you have some experience of bringing a successful data protection claim in the past - which was settled quite advantageously out-of-court. If you want to bring a small claim then I would suggest that you would have to alleged the distress and claim for, say, £50 – but it is a bit early to do this. You certainly would have to send them a letter of claim and give them 14 days.
    • What is the name of the car dealership please – I think you have already been asked this. Also, didn't you record the call? You've been here since 2006 and our customer services guide has been around since almost that time. It is always going to be very difficult to get hold of a recording of a conversation which Incriminates the company that you are trying to retrieve it from.
    • Hi.   While we're waiting for the experts, can I ask a couple of questions please?   Can you tell us which documents you've returned to the police? I assume you've admitted to being the driver.   Are you saying you were never asked to produce your licence and insurance at a police station? I don't know if it's still called an HORT/1 but that's what I was given when I needed to show documentation.   I've put some numbering into your first post for the various points you've raised.   HB
    • 😮  £ 3551!!!!  she  needed loan for a headstone for her daughter and      a   car as hers  has had it
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Should we not encourage a boycott (or a run) on the 8 banks that have appealed?

 

Would this not be sending the message home even harder that consumers are completely ****ed off with them?

 

It may even make them think twice if only the banks that are appealling have money withdrawn from them at a time when most are asking for shareholder money.


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i can't wait for the sale of my house. once the money is in the bank. im going down there to setup savings accounts the lot. once they are ready to set it all up. im pulling all my money and moving it to premium bonds. £30k the rest im spending on a business. the banks will lose £45k in one day from me. all because they didn';t want to help me when i needed it.

 

so yes a run on the banks will be a good call. i say get it setup, how many of us on here. even if half of us done it. that would be enough to send shock waves.

 

im fedup of being conned by people in power that we intrust our money to.

 

the OFT need to sort there backyard out.

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I don't think so, dave. Although the concept is good, a run on a clearing bank could devistate the economy. I DO think that once the declaration is handed down in July, if the financial ombudsman service continues to refuse to deal with complaints a judicial review is in order.

 

n.b. that might be hypocritical, because I barely use banks myself... haven't had a bank account for five years, or had any credit except a credit card with a limit of £700 for four years, only thing I use banks for is getting my money and then taking it out the next day.


i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Personally, I think the ecomony is devastated already.

 

A run on the 8 banks damaging the already damaged economy can only be a good thing.

 

It should force even a limp-wristed government like this one to wake up and regulate an industry of cowboys properly rather than letting them run renegade on the whole of society.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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...A run on the 8 banks damaging the already damaged economy can only be a good thing...
Some peeps pensions which they have scrimped + scraped ALL their working lives to acrue, would be devasted...:Cry:

If such action were to be advocated, perhaps it should be limited to one at a time, until the other Banks saw sense...;)

The threat to force the de-mutualisation of the Nationwide B.S. would be MY choice to start with...:)

...They have NO external shareholders to provide dividends for + so have NO excuse for their behaviour re: unlawful Penalty Charges...:mad:


The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Personally, I think the ecomony is devastated already.

 

A run on the 8 banks damaging the already damaged economy can only be a good thing.

 

It should force even a limp-wristed government like this one to wake up and regulate an industry of cowboys properly rather than letting them run renegade on the whole of society.

 

 

This site has done a lot of good work bringing the charges debate into the public domain - however the above comment is very inflamitory and in my view short-sited. If the banks do not fund say for example building of houses /shoppng centres/offices - there would be thousands out of work - from builders to architects etc etc

 

Then there would be even more pain in the economy than there is already.

 

the whole point of the argument about charges was regarding legalities and that is how the fight should continue.

 

Please look at the bigger picture

 

there are other campaigns I am sure the site can work on while the final decisions are being made


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

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Yes it does matter who's given credit

 

Budgie has put a great deal of time & effort into this & it's only right they be given credit. Anyone passing off someones else's endeavours, even inadvertently, as their own is open to criticism & charges of plagiarism

 

 

thanks for that as well - would have tipped your scales - but apparently I am not allowed to .

 

Hope the comment by MTM will not stop the posts!


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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...Hope the comment by MTM will not stop the posts!
:confused::confused::-?

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Personally, I think the ecomony is devastated already.

 

You're entitled to your opinion, but despite the gloomy nature of the press, as a country we are currently almost as affluent as we've been at any point in our history... although it's precarious, and we are suffering compared to a few years ago...

 

I'm talking about the things that happen in countries were the s**t really hits the fan... like 1929, where people can't afford to feed themselves... like it is in zimbabwe, which shows you how quickly a prosperous nation can decline into abject poverty.

 

Bottom line is, what I think CAG has always stood for is making sure the consumer gets a fair deal... and we owe that to you... but we don't need to destroy the banks to do that. All we want is fair treatment. That means the banks should be allowed to make a reasonable profit, without forcing the poorest people in society into poverty.

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i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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to MTM

 

Sounded like you said it does not matter who the posts came from about the case conference - but it does.

 

People have taken the time to attend and report and despite the way the other forum is critisised on here have given permission for them to be posted.

 

also if you dont agree with some of the comments /reporting you will know who to blame;)

 

bolshie

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Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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instead of a run on the banks - how about concentrating on all the hardship cases that the banks should have "filtered through" rather than dealing with in court anyway?They are abusing the terms of the waiver and personally I think the FOS should be helping out more with this.

 

They are the ones most in need

 

there have been some successes in this area even recently -

The judge seemed to want to get pending cases dealt with ASAP - but his hands may be tied by the appeal - we have yet to see? dont forget another day tomorrow and more news in July

 

keep moving on other cases in the mean-time


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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I'm talking about the things that happen in countries were the s**t really hits the fan... like 1929, where people can't afford to feed themselves...

 

It's almost like that now.

 

High bills, soaring food prices and extortionate petrol is definately hitting people in the pocket.

 

Then we get US consumers complaining about 'gas' being $4.00 a gallon (£2) and burgers being smaller than the size of a house!

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...Sounded like you said it does not matter who the posts came from about the case conference - but it does.

Au contraire ma petite banniere rouge...;)

 

I was concerned NOT about the source (...a single small reference would have sufficed methinks), but about the time taken for the info to appear.

 

No doubt, the info appears in full on LB anyway...:rolleyes:

 

FWIW...I have no personal axe to grind with LB at all, there are many capable + knowledgeable peeps who regulary Post there, as well as on other websites.

...I am just wanting justice/help for ALL the 'little peeps'.

 

As CAG is a major first port of call for NEWBIES, it would make sense to help them learn to navigate this torrid sea that we are forced to sail.

Then once they have gained their 'sea legs'...what they do is up to them.

 

 

...:)


The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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fine

 

lets draw a line under that one .

 

and see what happens tomorrow.


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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extortionate petrol is definately hitting people in the pocket

that could be controlled at the drop of a hat it is speculators who are buying vast quantities uknown faces it is a possibility opec and goverments might halt the speculation but they know india and china have a large hand in all this as well and everyone is afraid to rock their boats ? this is my opinion and it counts for nothing but who cares lol

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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MTM, I agree, de-mutulisation would be a very good threat. How do you go about doing that?

 

Also, I'm only talking about boycotting the 8 banks that bought about the appeal.

 

There are hundreds of other banks that would welcome our business (well, yours, there is no way on earth I am ever having a bank account again), and THEY can be the ones to invest for a change.

 

I can't see having a boycott of the 8 main offenders having an effect on the economy.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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This might be useful for the newbies.

 

Unfair Terms in Contracts With Consumers Quick Facts - BERR

 

It tells you want an unfair term is.


"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

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extortionate petrol is definately hitting people in the pocket

that could be controlled at the drop of a hat it is speculators who are buying vast quantities uknown faces it is a possibility opec and goverments might halt the speculation but they know india and china have a large hand in all this as well and everyone is afraid to rock their boats ? this is my opinion and it counts for nothing but who cares lol

patrickq1

 

I agree, perhaps off topic though. The time has come for the gloves to come off with regards to petrol, but that's another story.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Personally, I think the ecomony is devastated already.

 

A run on the 8 banks damaging the already damaged economy can only be a good thing.

 

It should force even a limp-wristed government like this one to wake up and regulate an industry of cowboys properly rather than letting them run renegade on the whole of society.

 

 

I agree:p


"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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MTM, I agree, de-mutulisation would be a very good threat. How do you go about doing that?

 

Also, I'm only talking about boycotting the 8 banks that bought about the appeal.

 

There are hundreds of other banks that would welcome our business (well, yours, there is no way on earth I am ever having a bank account again), and THEY can be the ones to invest for a change.

 

I can't see having a boycott of the 8 main offenders having an effect on the economy.

 

I agree!

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I am off !

 

thought the fight would continue - but in ways that might be effective - not this


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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The fight continues on many fronts


"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Well, I suppose we could all sit about and talk about it - do nothing and leave it up to the OFT, FSA or whoever, whilst simultaneously having our hands tied behinds our back with regards to taking action through the courts - it might only take about 3-4 years that way after all.

 

That's not a problem though - people at the bottom of society's pile being stuffed some more for a few more years won't hurt.

 

Do you remember how hard it was having 40-60% of your wages taken off you each month in charges?

 

I do. I didn't like it much. I don't suppose anyone does.

 

But now, with a stay in place on any recourse to get it stopped, and let's face it, they're not really playing fair anymore, we're to sit back and let them lend irresponsibly, take money that doesn't belong to them and do 'credit checks' on people when no credit is applied for.

 

Personally, and this is not the opinion of CAG, just my opinion: The gloves have come off - at a time when the banking industry's image is at rock bottom they go and pull a stunt like this, knowing full well that an appeal will take years, and knowing full well who is paying the charges, just so collectively they can fleece those who can least afford it another 4-6 billion.

 

No, if the powers that be won't do the job they are supposed to and protect us from this sort of behaviour, then we have to do something about it.

 

Talk is cheap.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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MTM, I agree, de-mutulisation would be a very good threat. How do you go about doing that?
Board Members are elected by Members of the Building Society.

Anyone who has an account with the Nationwide is entitled to cast their vote for whoever is standing for election.

(...apparently it's called Democracy??...:rolleyes:)

 

However...

 

To deter 'Carpetbaggers' + prevent what has happened with other 'get-rich-quick' building society de-mutualisations, ALL NEW account holders, as a condition of acceptance, have to sign away any right that they personally may have to any proceeds from a de-mutualisation, the monies instead going to a Charity that Nationwide has set up.

 

This has previously negated ANY candidates, to MY knowledge, standing for a position on the Board on a de-mutualisation ticket.

 

The following Thread gives a more accurate viewpoint of Nationwide's current attitude to those Members who may have temporarily fell on hard times...

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/145565-nationwide-tightens-its-lending.html

 

 

...:(


The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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"Talk is cheap."

 

that depends on whats being said and who says it.

 

Freedom of speech is something we should cherish a lot of countries dont have it .


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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