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    • Well it's up to you what kind of job you want. We have advised you that you are entitled to get a job that is equivalent to the quality/condition of your vehicle. Personally I agree with you that I wouldn't want dent simply filled either. They are charging you £60 for the quotation. That's very reasonable. They suggested that you should not have contact your insurance company. They are wrong because if later on it turned out that you had an accident and your insurance company discovered that they had not been informed about a previous incident, it could be a basis for declining liability. I now suggest that you write a letter to the neighbour and tell them that as they know, they cause damage to your vehicle and that you are proposing to have it repaired and you are now seeking quotes. Tell them that you will be providing them with copies of any quotes that you receive so that they can understand why's happening and also they can comment. Tell them that there is likely to be a fee for the quotations and that you will be adding that the final bill and you are now giving them a few days to respond and to comment. Tell them that you have already contacted the BMW repairer and they have told you that it will cost £60 for a quotation. You are letting the neighbour know in advance. You can tell your neighbour in the letter that they can avoid those fees if they are prepared to accept verbal quotations. However in the event that they don't reply or that they object then you will pay for those quotations and as you have said, you will be adding it to the bill. It's very important that you lay down a paper trail so that they are informed every step of the way and they are made aware in advance of any expenses which you are incurring on their behalf.
    • Hello Darius, welcome to CAG.   Please start a new thread of your own so we can advise you on what to do. This thread is for advising italianpink.   Best, HB
    • Hi Bankfodder,   Today was quite an interesting experience. Everyone I talked to wanted to know if this was going though insurance or not. BMW authorised repair place have quoted £1,200 plus VAT verbally, when asked for written quote, I was told a full quote will be £60, plus VAT. The bloke at BMW also wanted to know my insurance claim ref. so he can send it straight to them and charge them too I take it? I didn’t share they info with him. He also said that, I should have not told my insurance company, as now my premium will go up, even though I never made a claim apparently, would you happen to know if this is true?   I have also stopped by a local body shop as it was literally on the way home, even though you said not to, as I wanted to see how much non affiliate body shop would charge, once again they didn’t want to give me a written quote, as that was £50 plus VAT, but quoted me £800 verbally, so exactly as what my mechanic quoted me too.   The biggest kicker is that neither of them wanted to just pull the dented panel out and touch up/colour match the paint, as this is what I wanted to get done, both body shops wanted to fill and paint whole rear panel including the back door to fade/colour match it. This is something I really want to avoid, as if was to see a car with a rear quarter sprayed, I’d never buy it on the second hand marker, as I would suspect it was in a serious rear collision, no matter what the owner would tell me. BMW specialist, said that they could replace the rear panel, by cutting it out and getting new one in, but due to the age of the car, they won’t do that. So I’m not to sure what to do now, take it to PDR specialist, to see what they say/quote?  
    • I too have received a penalty charge today from a journey made 7/4. , which echos your story, my penalty occurred on Highbury Hill, I made this journey for the first time since lock down, and really don’t think this even showed up on my sat Nav (Waze)  does anyone know when this change was implemented.   I saw no advance signs of the change when approaching and where I should alternatively go.  Additionally There is a tree one side of the road that obstructs full view of one of the two signs.    im a diligent driver who has never received a PCN,  so would like any advice on best approach to contest this charge.   I understand this system has been set up as a 18 month trial.   Thanks in advance   Darius     
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Nattie/Yourbank has been dismissed for Gross Misconduct


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My first thought when I read this was "that's scandalous", however I am aware of certain conditions in my own employment contract when I worked for Nationwide which were somewhat vague but might cover some of the information discussed here.

 

I knew that there was a risk and I left because I decided there are some things which your conscience simply won't allow you to support.

 

When Natte left I got a PM with some very fine words about courage and bravery. You have provided shining examples of both and the irony in you losing your job has already been spelled out - you are precisely the sort of person who the public want to be involved in banking.

 

I was going to say I wish you luck but I really do feel something more positve than that so I'll just say I KNOW you'll be fine.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Very kind words, Indebtstudent. Needless to say, I have been in the debankifying chamber, you know the one.

Don't believe the hype of the bank, remove the manual from a very bad position. Most of it has been extracted. In the early days I used to react to NatWest/RBS Group slating on the forums....as time has gone by, I am reacting less and less. I have an opinion, I am not scared of being sacked cos I was sacked. I am an ex banker and a jobless ex banker. BUT, I think I will be fine and I think I will be FIRING on all cylinders soon.

And I can tell you, I was a cashier for most of my working life, a thirst for knowledge and loved sorting out complaints embedding my knowledge and increasing it.

I am from a City that produced 4 spies against the state(some would say there was a 5th spy) and a university celebrating 800 years of history. We have a Carol concert every year on Christmas Eve and we have not one but 2 football clubs that are in the Non Leauge playoff positions as it stands today(for footie fans reference, my team is 3rd but i live closer to the team in 2nd--in walking distance anyway). Can you guess which University City I come from?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Your bank, Sorry i dont know u as natty.

 

My partner called me threw to the living room earlier today to say watch this and suprisingly when i was watching i was discusted. Later talking to Bo, brassed off, who told me it was you. This was Lookeast.

Seriously i did not think u were a ex banker who caused trouble as i only thought they would be hiding behind there big fat pensions and based in london. I honestly can say i have spoken with you and do not think you were capable of misconduct but hey if thats what they say then theres not much i can do about it.

 

Natwest are a nasty bunch of ppl they tried to get money out of my partner for a debt that they allowed to build up on a closed account.

That was 2003 so good luck in collecting now.

 

I hope you have sorted out a new job and i fully believe you are write in the bank charges campaign. Yes £38.00 for being £2.00 over drawn is rather OTT as it cant cost them £38 to deal with a automated system.

 

Good luck for the future and hope Cambridge is doing ok.

 

GM

 

BTW that was for you Nastybank if your watching as there is no debt.

Edited by The GodMother
spellings

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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What on earth can I say, Nattie. I am gutted over this. I think you have behaved with great decorum over the way you have been treated. I wish you every success for the future and I am sure you will be back in employment very soon. Take care my Friend and Mentor.

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Guest

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Jolly good show, well done, that is EXACTLY what I would have done, expose exactly what they have done.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Only just found this thread. I would like to add my own thanks for your kind support and advice. Do hope something turns up that takes your fancy soon.... you do scrub up nice don't you.

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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just read your message, so sad and sorry at what has happened to you, just a quick note to wish you all the best in whichever career you choose.

 

keep fighting

 

j x

 

I wish I could say I was sorry. But for me, I'm just not sorry. I got suspended on 22nd January 2009 and exactly 4 weeks ago I got sacked in the lovely town of Bury St Edmonds in Suffolk(took some lovely pictures of the abbey there :) ). It was a fair cop. To be honest, I would have sacked myself in their position. Am having problems with certain parts of the manual still sticking in my intestines as they are extracted but most of the BS has come out ;).

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I often wondered, when I was stuck in banking hell, if this kind of thins was covered by whistleblowing sort of rules. I mean if you went and told the organisation, in good faith, you are ripping people off and it is obvious would they act on this info?

 

I strongly doubt it.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Norwich Evening News 24 - Stacia Briggs

 

A few days ago I read this article. I have had no input into this article whatsoever and the Newspaper is reliant on the article in the Independent alone for their facts. The article is absolutely hilarious.

  • Haha 1

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Now that woman has a sense of humor !! :D

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Of course if banks didn't use the cash we've given them to kick-start the credit market to keep their executives in ermine toilet roll and moated castles, we run the risk that these financial geniuses might take their expertise elsewhere. Insert your own hollow laugh

 

:lol:

 

Vinegar t*ts? I nearly wet myself!

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I did email her and unfortunately had to tell her I couldn't get her those china pigs, lmfao

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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That was immense, I suppose you can always keep a section of that article in case anyone badly wants to know the definitin or irony

 

"When NatWest discovered that one of its Moneysense advisers had been genuinely trying to offer “Helpful Banking” to people in financial trouble, it acted fast: he was dismissed within days on the grounds of gross misconduct."

 

Genius.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Oh i like the comparrison to bogeys and scallops.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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This is an advance warning of a programme provisionally scheduled to be broadcast on BBC Radio 4 on 21/04/2009 at 09:30am and repeated at 09:30pm. It is called "On the ropes" with John Humphries and was recorded a few weeks ago. There has so far been two "authorised" press stories on my role within the bank charges campaign(and a few I didn't authorise but were based on the authorised ones). This programme will give you a better idea from beginning, middle to the end for me inside the bank charges campaign and working for the bank in that period. Thank you to Radio 4 for the opportunity to do so.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Nattie, i have read many of your posts in the past but have only just seen this....

you have my total respect for the stance you have taken and the help you have given to many, even at the risk of the possible personal consequences...

 

i hope you have found yourself, or will soon find yourself, suitable employment...

 

 

good luck to you..

  • Haha 1

:D Actions in progress

Natw West on hold pending test case

LLoyds claim 3 on hold pending test case,

 

:lol:Claims Settled

LLOYDS TSB x 2 WON,

MBNA WON,

A&L WON,

GE Money x 2 WON , c

o-op visa WON, capital one visa WON,

Halifax (o/h) WON,

capquest, WON

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I'm so sorry to hear you were dismissed. While trying to get my money back from Natwest you were very helpful and a voice of reason in my ear when they irritated the hell out of me.

 

I know you will go on to bigger and better things.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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