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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
      • 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
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c/o Clydesdale Bank Customer Relations

30 ST Vincent Place

Glasgow

G1 2HL

 

IF YOU ARE IN ENGLAND USE YOUR BRANCH ADDRESS AS YOUR CLAIM MAY BECOME SUBJECT TO SCOTTISH LAW IF YOU USE ONE IN SCOTLAND. THE SYSTEM IS ENTIRELY DIFFERENT THERE SO PLEASE BE CAREFUL NOT TO MAKE THIS MISTAKE.

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  • 6 months later...

i sent a DPA to this address 2 weeks ago and hurd nothing. Phoned to find out why and they have never hurd of the address.

They say they do have an address at

 

30 ST Vincent place

Glasgow

 

but this is not head office they have told us to send it to;

 

Yorkshire Bankplc

c/o Clydesdale Bank Customer Relations

20 Waterloo Street

G2 6 DB

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  • 4 weeks later...

I sent a letter to Yb asking for a list of charges they sent me my statements for the last 6 yrs i calculated my charges and sent a letter asking for them back, at this point i had not sent a schedule of my charges to them and i had asked for the charges only and not the interest, the bank sent me a letter saying the charges were valid and if i claim they will counter claim. i was under the impression i was to send my schedule of charges and interest on my next letter to them but now im not so sure. im worried i should have sent it with the letter asking for the charges back and now ive messed up the process. does this mean i can not continue with the claim or can i send another letter asking for the charges with the schedule. Please can someone help as im very confused. thanks

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Hi PurpleSilk,

Dont panic , just re-send your letter with a schedule of charges and trat this as starting afresh.This shouldn`t prejudice your claim and their threat of counterclaim is pretty standard and nothing to worry about.

 

Please start a thread in the Yorkshire Bank area of this forum so everyone can follow your progress and assist you.

 

Good Luck we`re all behind you

Jules

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c/o Clydesdale Bank Customer Relations

30 ST Vincent Place

Glasgow

G1 2HL

 

 

IF YOU ARE IN ENGLAND USE YOUR BRANCH ADDRESS AS YOUR CLAIM MAY BECOME SUBJECT TO SCOTTISH LAW IF YOU USE ONE IN SCOTLAND. THE SYSTEM IS ENTIRELY DIFFERENT THERE SO PLEASE BE CAREFUL NOT TO MAKE THIS MISTAKE.

I took all my letters into the Yorkshire bank where my account was held, and they said they had send them to the head office in glasgow.I was told by the bank manager that they could not deal with any further letters as they were not authorized to do so, so all other correspondance had to go to head office.
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I took all my letters into the Yorkshire bank where my account was held, and they said they had send them to the head office in glasgow.I was told by the bank manager that they could not deal with any further letters as they were not authorized to do so, so all other correspondance had to go to head office.

 

Do not send it to Scotland. Send it to the branch and let them send it if they wish, but if you do it your case will fall under Scottish Law.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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If your prelim and LBA went there you should be OK.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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I am a bit worried as to where to send my prelim letter for the yorkshire bank, I sent my S.A.R, to Leeds, and of course it came back from Glasgow, now I am ready to send my prelim and copy of charges, would the head office in Leeds, or my own branch be my best bet?

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hi , sorry to bother you but i am in the same boat as you i am looking to get my bank charges back from yb but i have no idea of where to start or what to do first if u can please help please e-mail me thankyou

 

Here's where to start - with the FAQ's ..

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=92

 

Then I would go to the thread section for the same organisation/bank you are claiming from & read other's threads - take a good few days (or weeks as I did) to take in what happens etc - it may seem a bit daunting at 1st but if you read up it becomes much clearer ... GOOD LUCK! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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hi , sorry to bother you but i am in the same boat as you i am looking to get my bank charges back from yb but i have no idea of where to start or what to do first if u can please help please e-mail me

thankyou

 

You can't start anything without your statements, but as Chezt stated, you really need to know what you are doing, and lots of reading is needed for this. There is loads of help already there in the threads to get you started. Just don't rush into things, take your time.

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Do not send it to Scotland. Send it to the branch and let them send it if they wish, but if you do it your case will fall under Scottish Law.

at the begining i sent all my prelimanary letters to the branch my account was held at but when i went to the small claims ( in the beging of august)i asked advice fron the citizens advice centre and they told me to use head office address as if i put the wrong address the courts could throw it out i hope i haven't been given the wrong advice

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at the begining i sent all my prelimanary letters to the branch my account was held at but when i went to the small claims ( in the beging of august)i asked advice fron the citizens advice centre and they told me to use head office address as if i put the wrong address the courts could throw it out i hope i haven't been given the wrong advice

 

As Caro said - Don't send it to Scotland as the laws are completely different - stick to your usual address for correspondence or branch address & let them forward them. If you are getting replys then they are obviously getting your letters - don't panic!

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Please start a thread on the main Yorkshire Bank and Clydesdale Bank Forum here, as this thread will now be closed.

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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  • 1 month later...

Hi all I did as advised and sent a further letter to YB asking for charges and including a schdule of charge, this time they responded asking for four weeks to investigate my claim futher. I am still waiting but if i do not have a response by next week i will take the claim to the next stage. will keep you all posted.

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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