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    • Get a 2nd opinion ASAP. Dealerships are notorious for saying that cars need brakes/tyres when they don't. Take it to someone completely independent and get their opinion.
    • nothing to do with any warranty. consumer rights act or contract law claim. dx
    • Thank you for the response; I'm very grateful for the help and i'm open to all feedback. I'm afraid I don't understand what is meant by properly declared and valued? On the Evri app, when completing the process of sending a parcel, I did declare that I was sending a 'watch' and gave the full value of the watch (£429.99). I'm not an online seller if that helps. The parcel contained my own personal watch; a Garmin which cost £474.99 (inclusive of 'protect plus insurance' from John Lewis of £45). The £45 Protect Plus insurance from John Lewis covers the Garmin watch, and as they have lost it, it is no longer valid. So i'm adding that to the total claim.  It was a birthday gift bought for me this Jan/Feb by my partner.    Re: understanding of Parcel delivery insurance; "Part 1 Chapter 4 of the Consumer Rights Act 2015 means I have a legal right to expect that any service I’ve paid for should be carried out with reasonable care and skill". So I understood from this that I have rights under the Consumer Rights Act 2015 that protect me, regardless of not choosing to purchase their insurance protection.        
    • HI all, I work for a company who offers a review service for large companies, whereby customers can review products and/or services and the reviews appear on the companies own site My job, along with roughly 10 others, is to moderate those reviews. We're all on a zero hours contract, we do work as and when it's available. The way the system works is for every 120 reviews we moderate, we get paid the equivalent of the basic minimum wage, so £11.44 per 120 reviews. If this were a steady supply of reviews, it could be a decent income, but it's not, so you end up spending a lot of time doing nothing and not being paid for it, such is life For the last 3 months or so they've had an issue whereby a lot of reviews were duplicated up to 15 times and we were told to moderate those as we would normal reviews, You can imagine how many reviews we've been having to moderate, my moderated review count was probably around 4x the number I normally do, almost throughout the entirety of June this was going on for. being quite excited about the prospect of a boost in income, to me and other mods surprise and shock, we're not being paid for all those extra hours and work done, for the past 3 months when the issue started.. We're only being paid for the non duplicate reviews, plus 5% on top. In my case, instead of receiving around £1500ish for the month of June, I'm only receiving around £500 I mean, I get it, marking each of these duplicates was very quick/easy, as it was a repeat decision from the previous 14, but to let us do all that work and not pay us for it?
    • That's good news, well done. From  memory, self-employed people didn't pay into SERPS, it was for employees. And I believe SERPS stopped in 2002, being replaced by S2P. HB
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      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.

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

My Dissapointing reply from M Bowden @ HSBC


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I received a reply today to my initial request to refund charges over the 6 year period. they amounted to approx £155 plus £196 of interest. I received the following reply:

 

Dear Mrs xxxxxxx

 

Thank you for your e-message dated 9 March 2006.

 

I do acknowledge your comments on this matter. However, please note that the charges have been applied correctly in line with the Bank's published tariff. As such, a refund is not applicable on this occasion.

 

Our scale of charges can benefit all personal customers but each time an account has an overdraft which hasn't been agreed in advance or operates outside of the above criteria, we incur costs in reviewing and agreeing any additional borrowing. In these circumstances we believe that applying Overdraft Review Fees is both fair and appropriate and we won't refund charges that have been applied correctly.

 

We won't, however, charge more than five fees in any one charging month, and charges applied to an account will never exceed either the maximum overdrawn balance or the amount of any borrowing which is over an agreed limit. This is part of our wider commitment to fair banking.

 

I have forwarded you our leaflet ' cards and travel prices ' which provides further details on our charges.

 

If you still wish to discuss this further, please do not hesitate to contact us on 08457 404 404. Alternatively please call in to your local HSBC branch.

 

I trust this clarifies matters.

 

Yours sincerely

 

 

Mr M Bowden

Manager Customer Credit Services

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So?

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organiser, i would recommend you do not send messages through the HSBC online banking message service as this response that you have had is a bog standard response that I have also recieved in the past when challenging individual charges on my account (this was last year before I knew about this website or attempted to claim the full amount back)

 

Write a letter and send it to your branch or one of the addresses at the top of this forum, you will have better chance of a half reasonable response that way i assure you 8)

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I had sent it to the M Bowden contact at the top of the forum. But by email initially. I have replied to him by email, quite snottily actually, which probably wasn;t the best thing to do. But I was in such a rage after reading his reply.

 

I have now sent it to the other address by form of letter and to my branch too.

 

Talking about my branch, I have had someone from there trying to call me 3 times a day for the last 4 days. I am not willing to speak to them by phone as I have mentioned to them before. So I will await their written reply!

 

I suppose they are getting so many letters nowadays of the same format, that they are probably sending out a standardised letter to us all too.

 

Dcroz: What did you do after your standard response?

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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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