Jump to content


  • Tweets

  • Posts

    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
  • Our picks

    • 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.
        • Haha
        • Like
    • 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
  • Recommended Topics

Nattie/Yourbank has been dismissed for Gross Misconduct


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4374 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

  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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!!'.

Link to post
Share on other sites

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

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.

Link to post
Share on other sites

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!!'.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

 

Link to post
Share on other sites
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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites
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!

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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!!'.

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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. .

Link to post
Share on other sites
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4374 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...