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    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.   IMG_1475.pdf IMG_1476.pdf IMG_1477.pdf
    • Please will you upload your documents in PDF format in future. It is unhelpful to have them in word format and also word documents will carry personal details relating to you and your computer.
    • Thanks for letting us know that you had a conversation with someone – I sort of imagined that you might tell us what the conversation was – who said what to whom…
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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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Bank Charges


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Has anyone read in today Sunday Post regarding MP Mohammad Sarwar who represents Glasgow Govan it attempting to cat the amount banks can claim from penalty fees and default charges. He is recommening 2.5 per cent is a fair payment and he has drafted a bill to be put before the House of Commons which, if passed the bill will limited the charges to 2.5% which is a fairer charge. So keep an eye out for this bit of news as it could be in our favour.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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That's interesting, Rory!:)

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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  • 1 month later...

HI, I am in the middle of reclaiming my bank charges under financial hardship as I no longer have the same funds I had when I first joined LLoyds TSB. I am now on long term Incapacity Benefit and a part time wage instead of full time work and Tax Credits. I received the normal letter saying I will have to wait till the outcome of the test case. I decided I would get in touch with the FSO who have written to LLoyds TSB regarding my complaint and I now have received the paperwork from FSO to fill in and complete. Fingers crossed the bank will now look at my complaint seriously instead of just glancing through it. Will let you know what the outcome is.

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  • 3 months later...

Can anyone tell me if the banks are allowed to take bank charges from benefits, my income is made up of 2/3 incapacity benefit and 1/3 part time wage. I recently had a direct debit payment refused for being 1.63 over drawn which I would have cleared the same day by internet banking, yet they were quite happy to make me 18.67 overdrawn for 20.00 bank charges.

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I had the same problem a while ago and don't expect the banks to listen basically, particularly if you have a mixed income to your bank such as wages/benefits. From my limited exposure to matters like this, it would appear that they are NOT allowed to take money from benefits as this has been deemed the minimum amount of money you can live on by the welfare system although the confusion often comes in when you have more than 1 income to your bank account and they could simply turn round and argue this case if they wanted to, not that they would because they are more likely to simply tell you that the bank charges are part of your contract and will, without a doubt, shy away from any discussion regarding benefits, etc as was the case with me to the point where I was almost pulling the bank apart around them but at the end of the day it did no good and I simply added that charge onto the amount they already owe me. If possible, have 2 accounts, 1 for your benefits and another for anything else, this way you have a stronger argument against the banks if they apply charges to the account that your benefits are going into.

Cheers

Marko

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  • 1 month later...

Hi, just wanted to update you regarding my case with the FOS which I am claiming under the hardship rules. My case is now with an adjudicator who is dealing with me and Lloyds TSB, fingers crossed it will be sorted out soon. Will update you when I hear back from the FOS.

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Hi,

 

Good luck with that.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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HI Scott

 

Received a letter today from the FOS and they have decided that because I dont owe LLoyds TSB any money using an overdraft facility they are not going ahead with me case unless I can argue that I am in real financial hardship so will have to wait till the test case is over.

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Hi,

 

I'll move this thread to the Hardship Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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HI Scott

 

Received a letter today from the FOS and they have decided that because I dont owe LLoyds TSB any money using an overdraft facility they are not going ahead with me case unless I can argue that I am in real financial hardship so will have to wait till the test case is over.

Can you ask the FOS to provide you with the LloydsTSB Financial closure letter since I am assuming they did not provide this to you?

.

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 Yourbank who asked ;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Scott

 

Phoned the lady who was dealing with my case at the FOS and it appears what they are saying as I dont owe the bank any money then I'm not in financial hardship so they wont refund any money till the test case has finished.

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Hi Scott

 

Phoned the lady who was dealing with my case at the FOS and it appears what they are saying as I dont owe the bank any money then I'm not in financial hardship so they wont refund any money till the test case has finished.

 

Can you ask the FOS to send you the financial hardship closure letter that they provided to them so you can view their reasoning?

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?

Are any of the arrears being paid back?

.

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

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Sorry this is not a reply to your dilemma, but I do not know how to start out with a letter of my own.

I sent the Lloyds a letter & a subject access letter & £10 postal order for my statements as I wish to apply for my charges back under the hardship heading. I received a letter from them 12 days later with no mention of the subject access or the £10, just a letter saying they are going to look into it & let me know, with a complaint reference No.

Please help as I do not know where to go from here.:(

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Sorry this is not a reply to your dilemma, but I do not know how to start out with a letter of my own.

I sent the Lloyds a letter & a subject access letter & £10 postal order for my statements as I wish to apply for my charges back under the hardship heading. I received a letter from them 12 days later with no mention of the subject access or the £10, just a letter saying they are going to look into it & let me know, with a complaint reference No.

Please help as I do not know where to go from here.:(

Did you send them the SAR letter or the hardship letter?

.

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

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Sorry this is not a reply to your dilemma, but I do not know how to start out with a letter of my own.

I sent the Lloyds a letter & a subject access letter & £10 postal order for my statements as I wish to apply for my charges back under the hardship heading. I received a letter from them 12 days later with no mention of the subject access or the £10, just a letter saying they are going to look into it & let me know, with a complaint reference No.

Please help as I do not know where to go from here.:(

 

Carnation, is this issue different to your other Lloyds thread?

 

If not, let me know and I can move these posts to that thread for you - it's better if they are all kept together, otherwise it will get confusing and you may get contradicting advice.

 

If it is different, you may want to start a new thread in our hardship forum, as your posts will get lost in here;

 

Hardship applications - The Consumer Forums

 

There's a beginners guide in my signature that shows you how to start a new thread, if you don't know how ;)

 

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Can you ask the FOS to send you the financial hardship closure letter that they provided to them so you can view their reasoning?

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?

Are any of the arrears being paid back?

 

Hi the only priority debt I have is owing to the Scottish Hydro Board for my electric, I now have a prepayment meter with my debt being paid off at 5.00 per week through my meter so as from now I am putting 45.00 a week into my meter.

 

Fos said there was no financial hardship closure letter only she has decided because I dont owe the bank any money then I have to wait till the test case has finished even though TSB LLoyds agree with that decision as I had a credit balance of 73p in my cash account which pays my direct debits from and 50.00 in my savings account which I use for putting my direct debits into till as such time they are due and then I transfer the money over. I do that because I get my Incapacity Benefit paid every 2 weeks.

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