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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
        • Like

Teebum V Abbey **** WON !!!! ****


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Think this is ok

 

Unauthorised overdraft fee

£20.00

10/07/2006

Charge for clearing DD/ SO while overdrawn

£30.00

10/07/2006

Charge for clearing DD/ SO while overdrawn

£30.00

10/07/2006

Charge for unpaid DD mandate no 85

£35.00

10/07/2006

Charge for unpaid DD mandate no 72

£35.00

10/07/2006

Charge for unpaid DD mandate no 76

£35.00

10/07/2006

Charge for unpaid DD mandate no 79

£35.00

10/07/2006

Charge for unpaid DD mandate no 85

£35.00

10/07/2006

Charge for unpaid DD mandate no 72

£35.00

10/07/2006

Charge for unpaid DD mandate no 76

£35.00

10/07/2006

Interest charged while account overdrawn

£11.13

10/07/2006

Charge for unpaid standing order no 20

£35.00

10/07/2006

Charge for unpaid standing order no 15

£35.00

10/07/2006

Charge for unpaid standing order no 16

£35.00

10/07/2006

Charge for an overdraft that has not been authorised

£20.00

09/06/2006

Interest charged while account overdrawn

£8.88

09/06/2006

Charge for an overdraft that has not been authorised

£20.00

10/05/2006

Charge for unpaid DD mandate no 86

£35.00

10/05/2006

Interest charged while account overdrawn

£10.14

10/05/2006

Charge for unpaid DD mandate no 83

£35.00

10/05/2006

Interest charged while account overdrawn

£10.41

09/04/2006

Charge for unpaid standing order no 17

£35.00

09/04/2006

Charge for unpaid standing order no 14

£35.00

09/04/2006

Charge for an overdraft that has not been authorised

£20.00

12/03/2006

Interest charged while account overdrawn

£8.19

12/03/2006

Charge for an overdraft that has not been authorised

£20.00

09/02/2006

Charge for unpaid DD mandate no 70

£35.00

09/02/2006

Interest charged while account overdrawn

£12.08

09/02/2006

Charge for an overdraft that has not been authorised

£20.00

09/01/2006

Charge for unpaid DD mandate no 63

£35.00

09/01/2006

Interest charged while account overdrawn

£11.35

09/01/2006

Charge for unpaid DD mandate no 38

£35.00

09/01/2006

Charge for an overdraft that has not been authorised

£20.00

10/12/2005

Interest charged while account overdrawn

£15.93

10/12/2005

Charge for unpaid DD mandate no 38

£35.00

10/12/2005

Interest charged while account overdrawn

£15.15

09/11/2005

Charge for clearing Visa payment while overdrawn

£30.00

10/10/2005

Charge for clearing Visa payment while overdrawn

£30.00

10/10/2005

Charge for unpaid DD mandate no 63

£32.00

10/10/2005

Charge for unpaid DD mandate no 59

£32.00

10/10/2005

Charge for unpaid DD mandate no 63

£32.00

10/10/2005

Interest charged while account overdrawn

£14.70

10/10/2005

Charge for unpaid DD mandate no 62

£32.00

10/10/2005

Charge for unpaid DD mandate no 67

£32.00

10/10/2005

Charge for unpaid DD mandate no 28

£32.00

10/09/2005

Charge for unpaid DD mandate no 68

£32.00

10/09/2005

Charge for unpaid DD mandate no 49

£32.00

10/09/2005

Charge for unpaid DD mandate no 59

£32.00

10/09/2005

Charge for unpaid DD mandate no 42

£32.00

10/09/2005

Charge for unpaid DD mandate no 28

£32.00

10/09/2005

Interest charged while account overdrawn

£14.33

10/09/2005

Charge for unpaid DD mandate no 49

£32.00

10/09/2005

Charge for unpaid DD mandate no 42

£32.00

10/09/2005

Charge for unpaid DD mandate no 24

£32.00

10/09/2005

Charge for clearing Visa payment while overdrawn

£30.00

09/08/2005

Charge for clearing DD/ SO while overdrawn

£32.00

09/08/2005

Charge for unpaid DD mandate no 49

£32.00

09/08/2005

Interest charged while account overdrawn

£12.44

09/08/2005

Charge for clearing DD/ SO while overdrawn

£30.00

09/06/2005

Charge for unpaid DD mandate no 28

£32.00

09/06/2005

Charge for unpaid DD mandate no 68

£32.00

09/06/2005

Charge for unpaid DD mandate no 49

£32.00

09/06/2005

Charge for unpaid DD mandate no 28

£32.00

09/06/2005

Interest charged while account overdrawn

£12.70

09/06/2005

Charge for unpaid DD mandate no 49

£32.00

09/06/2005

Charge for unpaid DD mandate no 67

£32.00

09/06/2005

£0.00

01/12/2004

£0.00

01/12/2004

Unpaid Direct Debit charge

£32.00

09/04/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Int Debit

£8.93

09/04/2005

Lets get it back

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i have no statements for August 2000 to April 2005. I dived the total for the statements I have by 12x then times it by 60 for an estimted amount for that period.

Lets get it back

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Feel really out of my depth, is tis any better

 

Unauthorised overdraft fee£20.0010/07/2006Charge for clearing DD/ SO while overdrawn£30.0010/07/2006Charge for clearing DD/ SO while overdrawn£30.0010/07/2006Charge for unpaid DD mandate no 85£35.0010/07/2006Charge for unpaid DD mandate no 72£35.0010/07/2006Charge for unpaid DD mandate no 76£35.0010/07/2006Charge for unpaid DD mandate no 79£35.0010/07/2006Charge for unpaid DD mandate no 85£35.0010/07/2006Charge for unpaid DD mandate no 72£35.0010/07/2006Charge for unpaid DD mandate no 76£35.0010/07/2006Interest charged while account overdrawn£11.1310/07/2006Charge for unpaid standing order no 20£35.0010/07/2006Charge for unpaid standing order no 15£35.0010/07/2006Charge for unpaid standing order no 16£35.0010/07/2006Charge for an overdraft that has not been authorised£20.0009/06/2006Interest charged while account overdrawn£8.8809/06/2006Charge for an overdraft that has not been authorised£20.0010/05/2006Charge for unpaid DD mandate no 86£35.0010/05/2006Interest charged while account overdrawn£10.1410/05/2006Charge for unpaid DD mandate no 83£35.0010/05/2006Interest charged while account overdrawn£10.4109/04/2006Charge for unpaid standing order no 17£35.0009/04/2006Charge for unpaid standing order no 14£35.0009/04/2006Charge for an overdraft that has not been authorised£20.0012/03/2006Interest charged while account overdrawn£8.1912/03/2006Charge for an overdraft that has not been authorised£20.0009/02/2006Charge for unpaid DD mandate no 70£35.0009/02/2006Interest charged while account overdrawn£12.0809/02/2006Charge for an overdraft that has not been authorised£20.0009/01/2006Charge for unpaid DD mandate no 63£35.0009/01/2006Interest charged while account overdrawn£11.3509/01/2006Charge for unpaid DD mandate no 38£35.0009/01/2006Charge for an overdraft that has not been authorised£20.0010/12/2005Interest charged while account overdrawn£15.9310/12/2005Charge for unpaid DD mandate no 38£35.0010/12/2005Interest charged while account overdrawn£15.1509/11/2005Charge for clearing Visa payment while overdrawn£30.0010/10/2005Charge for clearing Visa payment while overdrawn£30.0010/10/2005Charge for unpaid DD mandate no 63£32.0010/10/2005Charge for unpaid DD mandate no 59£32.0010/10/2005Charge for unpaid DD mandate no 63£32.0010/10/2005Interest charged while account overdrawn£14.7010/10/2005Charge for unpaid DD mandate no 62£32.0010/10/2005Charge for unpaid DD mandate no 67£32.0010/10/2005Charge for unpaid DD mandate no 28£32.0010/09/2005Charge for unpaid DD mandate no 68£32.0010/09/2005Charge for unpaid DD mandate no 49£32.0010/09/2005Charge for unpaid DD mandate no 59£32.0010/09/2005Charge for unpaid DD mandate no 42£32.0010/09/2005Charge for unpaid DD mandate no 28£32.0010/09/2005Interest charged while account overdrawn£14.3310/09/2005Charge for unpaid DD mandate no 49£32.0010/09/2005Charge for unpaid DD mandate no 42£32.0010/09/2005Charge for unpaid DD mandate no 24£32.0010/09/2005Charge for clearing Visa payment while overdrawn£30.0009/08/2005Charge for clearing DD/ SO while overdrawn£32.0009/08/2005Charge for unpaid DD mandate no 49£32.0009/08/2005Interest charged while account overdrawn£12.4409/08/2005Total for April 2005 - july 2006 (statements received)£1,576.73July 2000 - July 2001 (estimated)

 

£1,756.73July 2001 - July 2002 (estimated)£1,756.73July 2002 - July 2003 (estimated)£1,756.73July 2003 - July 2004 (estimated)£1,756.73July 2004 - July 2005 (estimated)£1,756.73£8,784Total claimed£10,360.38

Lets get it back

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Share on other sites

Unauthorised overdraft fee£20.0010/07/2006Charge for clearing DD/ SO while overdrawn£30.0010/07/2006Charge for clearing DD/ SO while overdrawn£30.0010/07/2006Charge for unpaid DD mandate no 85£35.0010/07/2006Charge for unpaid DD mandate no 72£35.0010/07/2006Charge for unpaid DD mandate no 76£35.0010/07/2006Charge for unpaid DD mandate no 79£35.0010/07/2006Charge for unpaid DD mandate no 85£35.0010/07/2006Charge for unpaid DD mandate no 72£35.0010/07/2006Charge for unpaid DD mandate no 76£35.0010/07/2006Interest charged while account overdrawn£11.1310/07/2006Charge for unpaid standing order no 20£35.0010/07/2006Charge for unpaid standing order no 15£35.0010/07/2006Charge for unpaid standing order no 16£35.0010/07/2006Charge for an overdraft that has not been authorised£20.0009/06/2006Interest charged while account overdrawn£8.8809/06/2006Charge for an overdraft that has not been authorised£20.0010/05/2006Charge for unpaid DD mandate no 86£35.0010/05/2006Interest charged while account overdrawn£10.1410/05/2006Charge for unpaid DD mandate no 83£35.0010/05/2006Interest charged while account overdrawn£10.4109/04/2006Charge for unpaid standing order no 17£35.0009/04/2006Charge for unpaid standing order no 14£35.0009/04/2006Charge for an overdraft that has not been authorised£20.0012/03/2006Interest charged while account overdrawn£8.1912/03/2006Charge for an overdraft that has not been authorised£20.0009/02/2006Charge for unpaid DD mandate no 70£35.0009/02/2006Interest charged while account overdrawn£12.0809/02/2006Charge for an overdraft that has not been authorised£20.0009/01/2006Charge for unpaid DD mandate no 63£35.0009/01/2006Interest charged while account overdrawn£11.3509/01/2006Charge for unpaid DD mandate no 38£35.0009/01/2006Charge for an overdraft that has not been authorised£20.0010/12/2005Interest charged while account overdrawn£15.9310/12/2005Charge for unpaid DD mandate no 38£35.0010/12/2005Interest charged while account overdrawn£15.1509/11/2005Charge for clearing Visa payment while overdrawn£30.0010/10/2005Charge for clearing Visa payment while overdrawn£30.0010/10/2005Charge for unpaid DD mandate no 63£32.0010/10/2005Charge for unpaid DD mandate no 59£32.0010/10/2005Charge for unpaid DD mandate no 63£32.0010/10/2005Interest charged while account overdrawn£14.7010/10/2005Charge for unpaid DD mandate no 62£32.0010/10/2005Charge for unpaid DD mandate no 67£32.0010/10/2005Charge for unpaid DD mandate no 28£32.0010/09/2005Charge for unpaid DD mandate no 68£32.0010/09/2005Charge for unpaid DD mandate no 49£32.0010/09/2005Charge for unpaid DD mandate no 59£32.0010/09/2005Charge for unpaid DD mandate no 42£32.0010/09/2005Charge for unpaid DD mandate no 28£32.0010/09/2005Interest charged while account overdrawn£14.3310/09/2005Charge for unpaid DD mandate no 49£32.0010/09/2005Charge for unpaid DD mandate no 42£32.0010/09/2005Charge for unpaid DD mandate no 24£32.0010/09/2005Charge for clearing Visa payment while overdrawn£30.0009/08/2005Charge for clearing DD/ SO while overdrawn£32.0009/08/2005Charge for unpaid DD mandate no 49£32.0009/08/2005Interest charged while account overdrawn£12.4409/08/2005Total for April 2005 - july 2006 (statements received)£1,576.73July 2000 - July 2001 (estimated)

 

£1,756.73July 2001 - July 2002 (estimated)£1,756.73July 2002 - July 2003 (estimated)£1,756.73July 2003 - July 2004 (estimated)£1,756.73July 2004 - July 2005 (estimated)£1,756.73£8,784Total claimed£10,360.38

Lets get it back

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Share on other sites

trying again......

 

Unauthorised overdraft fee

£20.00

10/07/2006

Charge for clearing DD/ SO while overdrawn

£30.00

10/07/2006

Charge for clearing DD/ SO while overdrawn

£30.00

10/07/2006

Charge for unpaid DD mandate no 85

£35.00

10/07/2006

Charge for unpaid DD mandate no 72

£35.00

10/07/2006

Charge for unpaid DD mandate no 76

£35.00

10/07/2006

Charge for unpaid DD mandate no 79

£35.00

10/07/2006

Charge for unpaid DD mandate no 85

£35.00

10/07/2006

Charge for unpaid DD mandate no 72

£35.00

10/07/2006

Charge for unpaid DD mandate no 76

£35.00

10/07/2006

Interest charged while account overdrawn

£11.13

10/07/2006

Charge for unpaid standing order no 20

£35.00

10/07/2006

Charge for unpaid standing order no 15

£35.00

10/07/2006

Charge for unpaid standing order no 16

£35.00

10/07/2006

Charge for an overdraft that has not been authorised

£20.00

09/06/2006

Interest charged while account overdrawn

£8.88

09/06/2006

Charge for an overdraft that has not been authorised

£20.00

10/05/2006

Charge for unpaid DD mandate no 86

£35.00

10/05/2006

Interest charged while account overdrawn

£10.14

10/05/2006

Charge for unpaid DD mandate no 83

£35.00

10/05/2006

Interest charged while account overdrawn

£10.41

09/04/2006

Charge for unpaid standing order no 17

£35.00

09/04/2006

Charge for unpaid standing order no 14

£35.00

09/04/2006

Charge for an overdraft that has not been authorised

£20.00

12/03/2006

Interest charged while account overdrawn

£8.19

12/03/2006

Charge for an overdraft that has not been authorised

£20.00

09/02/2006

Charge for unpaid DD mandate no 70

£35.00

09/02/2006

Interest charged while account overdrawn

£12.08

09/02/2006

Charge for an overdraft that has not been authorised

£20.00

09/01/2006

Charge for unpaid DD mandate no 63

£35.00

09/01/2006

Interest charged while account overdrawn

£11.35

09/01/2006

Charge for unpaid DD mandate no 38

£35.00

09/01/2006

Charge for an overdraft that has not been authorised

£20.00

10/12/2005

Interest charged while account overdrawn

£15.93

10/12/2005

Charge for unpaid DD mandate no 38

£35.00

10/12/2005

Interest charged while account overdrawn

£15.15

09/11/2005

Charge for clearing Visa payment while overdrawn

£30.00

10/10/2005

Charge for clearing Visa payment while overdrawn

£30.00

10/10/2005

Charge for unpaid DD mandate no 63

£32.00

10/10/2005

Charge for unpaid DD mandate no 59

£32.00

10/10/2005

Charge for unpaid DD mandate no 63

£32.00

10/10/2005

Interest charged while account overdrawn

£14.70

10/10/2005

Charge for unpaid DD mandate no 62

£32.00

10/10/2005

Charge for unpaid DD mandate no 67

£32.00

10/10/2005

Charge for unpaid DD mandate no 28

£32.00

10/09/2005

Charge for unpaid DD mandate no 68

£32.00

10/09/2005

Charge for unpaid DD mandate no 49

£32.00

10/09/2005

Charge for unpaid DD mandate no 59

£32.00

10/09/2005

Charge for unpaid DD mandate no 42

£32.00

10/09/2005

Charge for unpaid DD mandate no 28

£32.00

10/09/2005

Interest charged while account overdrawn

£14.33

10/09/2005

Charge for unpaid DD mandate no 49

£32.00

10/09/2005

Charge for unpaid DD mandate no 42

£32.00

10/09/2005

Charge for unpaid DD mandate no 24

£32.00

10/09/2005

Charge for clearing Visa payment while overdrawn

£30.00

09/08/2005

Charge for clearing DD/ SO while overdrawn

£32.00

09/08/2005

Charge for unpaid DD mandate no 49

£32.00

09/08/2005

Interest charged while account overdrawn

£12.44

09/08/2005

Total for April 2005 - july 2006 (statements received)

£1,576.73

July 2000 - July 2001 (estimated)

£1,756.73

July 2001 - July 2002 (estimated)

£1,756.73

July 2002 - July 2003 (estimated)

£1,756.73

July 2003 - July 2004 (estimated)

£1,756.73

July 2004 - July 2005 (estimated)

£1,756.73

£8,784

Total claimed

£10,360.38

Lets get it back

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Final draft, ready to send I think

 

Unauthorised overdraft fee£20.00Charge for clearing DD/ SO while overdrawn£30.00Charge for clearing DD/ SO while overdrawn£30.00Charge for unpaid DD mandate no 85£35.00Charge for unpaid DD mandate no 72£35.00Charge for unpaid DD mandate no 76£35.00Charge for unpaid DD mandate no 79£35.00Charge for unpaid DD mandate no 85£35.00Charge for unpaid DD mandate no 72£35.00Charge for unpaid DD mandate no 76£35.00Interest charged while account overdrawn£11.13Charge for unpaid standing order no 20£35.00Charge for unpaid standing order no 15£35.00Charge for unpaid standing order no 16£35.00Charge for an overdraft that has not been authorised£20.00Interest charged while account overdrawn£8.88Charge for an overdraft that has not been authorised£20.00Charge for unpaid DD mandate no 86£35.00Interest charged while account overdrawn£10.14Charge for unpaid DD mandate no 83£35.00Interest charged while account overdrawn£10.41Charge for unpaid standing order no 17£35.00Charge for unpaid standing order no 14£35.00Charge for an overdraft that has not been authorised£20.00Interest charged while account overdrawn£8.19Charge for an overdraft that has not been authorised£20.00Charge for unpaid DD mandate no 70£35.00Interest charged while account overdrawn£12.08Charge for an overdraft that has not been authorised£20.00Charge for unpaid DD mandate no 63£35.00Interest charged while account overdrawn£11.35Charge for unpaid DD mandate no 38£35.00Charge for an overdraft that has not been authorised£20.00Interest charged while account overdrawn£15.93Charge for unpaid DD mandate no 38£35.00Interest charged while account overdrawn£15.15Charge for clearing Visa payment while overdrawn£30.00Charge for clearing Visa payment while overdrawn£30.00Charge for unpaid DD mandate no 63£32.00Charge for unpaid DD mandate no 59£32.00Charge for unpaid DD mandate no 63£32.00Interest charged while account overdrawn£14.70Charge for unpaid DD mandate no 62£32.00Charge for unpaid DD mandate no 67£32.00Charge for unpaid DD mandate no 28£32.00Charge for unpaid DD mandate no 68£32.00Charge for unpaid DD mandate no 49£32.00Charge for unpaid DD mandate no 59£32.00Charge for unpaid DD mandate no 42£32.00Charge for unpaid DD mandate no 28£32.00Interest charged while account overdrawn£14.33Charge for unpaid DD mandate no 49£32.00Charge for unpaid DD mandate no 42£32.00Charge for unpaid DD mandate no 24£32.00Charge for clearing Visa payment while overdrawn£30.00Charge for clearing DD/ SO while overdrawn£32.00Charge for unpaid DD mandate no 49£32.00Interest charged while account overdrawn£12.44Charge for clearing Visa payment while overdrawn£30.00Charge for clearing DD/ SO while overdrawn£32.00Charge for unpaid DD mandate no 49£32.00Interest charged while account overdrawn£12.44Charge for clearing DD/ SO while overdrawn£30.00Charge for unpaid DD mandate no 28£32.00Charge for unpaid DD mandate no 68£32.00Charge for unpaid DD mandate no 49£32.00Charge for unpaid DD mandate no 28£32.00Interest charged while account overdrawn£12.70Charge for unpaid DD mandate no 49£32.00Charge for unpaid DD mandate no 67£32.00Unpaid Direct Debit charge£32.00Unpaid Direct Debit charge£32.00Unpaid Direct Debit charge£32.00Unpaid Direct Debit charge£32.00Unpaid Direct Debit charge£32.00Int Debit£8.93£0.00Total for April 2005 - July 2006 (statements received)£2,086.80July 2000 - July 2001 (estimated)£1,565.10July 2001 - July 2002 (estimated)£1,565.10July 2002 - July 2003 (estimated)£1,565.10July 2003 - July 2004 (estimated)£1,565.10July 2004 - Apr 2005 (estimated)£1,304.25£7,565Total claimed£9,651.45

Lets get it back

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Unauthorised overdraft fee£20.00Charge for clearing DD/ SO while overdrawn£30.00Charge for clearing DD/ SO while overdrawn£30.00Charge for unpaid DD mandate no 85£35.00Charge for unpaid DD mandate no 72£35.00Charge for unpaid DD mandate no 76£35.00Charge for unpaid DD mandate no 79£35.00Charge for unpaid DD mandate no 85£35.00Charge for unpaid DD mandate no 72£35.00Charge for unpaid DD mandate no 76£35.00Interest charged while account overdrawn£11.13Charge for unpaid standing order no 20£35.00Charge for unpaid standing order no 15£35.00Charge for unpaid standing order no 16£35.00Charge for an overdraft that has not been authorised£20.00Interest charged while account overdrawn£8.88Charge for an overdraft that has not been authorised£20.00Charge for unpaid DD mandate no 86£35.00Interest charged while account overdrawn£10.14Charge for unpaid DD mandate no 83£35.00Interest charged while account overdrawn£10.41Charge for unpaid standing order no 17£35.00Charge for unpaid standing order no 14£35.00Charge for an overdraft that has not been authorised£20.00Interest charged while account overdrawn£8.19Charge for an overdraft that has not been authorised£20.00Charge for unpaid DD mandate no 70£35.00Interest charged while account overdrawn£12.08Charge for an overdraft that has not been authorised£20.00Charge for unpaid DD mandate no 63£35.00Interest charged while account overdrawn£11.35Charge for unpaid DD mandate no 38£35.00Charge for an overdraft that has not been authorised£20.00Interest charged while account overdrawn£15.93Charge for unpaid DD mandate no 38£35.00Interest charged while account overdrawn£15.15Charge for clearing Visa payment while overdrawn£30.00Charge for clearing Visa payment while overdrawn£30.00Charge for unpaid DD mandate no 63£32.00Charge for unpaid DD mandate no 59£32.00Charge for unpaid DD mandate no 63£32.00Interest charged while account overdrawn£14.70Charge for unpaid DD mandate no 62£32.00Charge for unpaid DD mandate no 67£32.00Charge for unpaid DD mandate no 28£32.00Charge for unpaid DD mandate no 68£32.00Charge for unpaid DD mandate no 49£32.00Charge for unpaid DD mandate no 59£32.00Charge for unpaid DD mandate no 42£32.00Charge for unpaid DD mandate no 28£32.00Interest charged while account overdrawn£14.33Charge for unpaid DD mandate no 49£32.00Charge for unpaid DD mandate no 42£32.00Charge for unpaid DD mandate no 24£32.00Charge for clearing Visa payment while overdrawn£30.00Charge for clearing DD/ SO while overdrawn£32.00Charge for unpaid DD mandate no 49£32.00Interest charged while account overdrawn£12.44Charge for clearing Visa payment while overdrawn£30.00Charge for clearing DD/ SO while overdrawn£32.00Charge for unpaid DD mandate no 49£32.00Interest charged while account overdrawn£12.44Charge for clearing DD/ SO while overdrawn£30.00Charge for unpaid DD mandate no 28£32.00Charge for unpaid DD mandate no 68£32.00Charge for unpaid DD mandate no 49£32.00Charge for unpaid DD mandate no 28£32.00Interest charged while account overdrawn£12.70Charge for unpaid DD mandate no 49£32.00Charge for unpaid DD mandate no 67£32.00Unpaid Direct Debit charge£32.00Unpaid Direct Debit charge£32.00Unpaid Direct Debit charge£32.00Unpaid Direct Debit charge£32.00Unpaid Direct Debit charge£32.00Int Debit£8.93£0.00Total for April 2005 - July 2006 (statements received)£2,086.80July 2000 - July 2001 (estimated)£1,565.10July 2001 - July 2002 (estimated)£1,565.10July 2002 - July 2003 (estimated)£1,565.10July 2003 - July 2004 (estimated)£1,565.10July 2004 - Apr 2005 (estimated)£1,304.25£7,565Total claimed£9,651.45

Lets get it back

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Schedule of charges being claimed:

Unauthorised overdraft fee

£20.00

10/07/2006

Charge for clearing DD/ SO while overdrawn

£30.00

10/07/2006

Charge for clearing DD/ SO while overdrawn

£30.00

10/07/2006

Charge for unpaid DD mandate no 85

£35.00

10/07/2006

Charge for unpaid DD mandate no 72

£35.00

10/07/2006

Charge for unpaid DD mandate no 76

£35.00

10/07/2006

Charge for unpaid DD mandate no 79

£35.00

10/07/2006

Charge for unpaid DD mandate no 85

£35.00

10/07/2006

Charge for unpaid DD mandate no 72

£35.00

10/07/2006

Charge for unpaid DD mandate no 76

£35.00

10/07/2006

Interest charged while account overdrawn

£11.13

10/07/2006

Charge for unpaid standing order no 20

£35.00

10/07/2006

Charge for unpaid standing order no 15

£35.00

10/07/2006

Charge for unpaid standing order no 16

£35.00

10/07/2006

Charge for an overdraft that has not been authorised

£20.00

09/06/2006

Interest charged while account overdrawn

£8.88

09/06/2006

Charge for an overdraft that has not been authorised

£20.00

10/05/2006

Charge for unpaid DD mandate no 86

£35.00

10/05/2006

Interest charged while account overdrawn

£10.14

10/05/2006

Charge for unpaid DD mandate no 83

£35.00

10/05/2006

Interest charged while account overdrawn

£10.41

09/04/2006

Charge for unpaid standing order no 17

£35.00

09/04/2006

Charge for unpaid standing order no 14

£35.00

09/04/2006

Charge for an overdraft that has not been authorised

£20.00

12/03/2006

Interest charged while account overdrawn

£8.19

12/03/2006

Charge for an overdraft that has not been authorised

£20.00

09/02/2006

Charge for unpaid DD mandate no 70

£35.00

09/02/2006

Interest charged while account overdrawn

£12.08

09/02/2006

Charge for an overdraft that has not been authorised

£20.00

09/01/2006

Charge for unpaid DD mandate no 63

£35.00

09/01/2006

Interest charged while account overdrawn

£11.35

09/01/2006

Charge for unpaid DD mandate no 38

£35.00

09/01/2006

Charge for an overdraft that has not been authorised

£20.00

10/12/2005

Interest charged while account overdrawn

£15.93

10/12/2005

Charge for unpaid DD mandate no 38

£35.00

10/12/2005

Interest charged while account overdrawn

£15.15

09/11/2005

Charge for clearing Visa payment while overdrawn

£30.00

10/10/2005

Charge for clearing Visa payment while overdrawn

£30.00

10/10/2005

Charge for unpaid DD mandate no 63

£32.00

10/10/2005

Charge for unpaid DD mandate no 59

£32.00

10/10/2005

Charge for unpaid DD mandate no 63

£32.00

10/10/2005

Interest charged while account overdrawn

£14.70

10/10/2005

Charge for unpaid DD mandate no 62

£32.00

10/10/2005

Charge for unpaid DD mandate no 67

£32.00

10/10/2005

Charge for unpaid DD mandate no 28

£32.00

10/09/2005

Charge for unpaid DD mandate no 68

£32.00

10/09/2005

Charge for unpaid DD mandate no 49

£32.00

10/09/2005

Charge for unpaid DD mandate no 59

£32.00

10/09/2005

Charge for unpaid DD mandate no 42

£32.00

10/09/2005

Charge for unpaid DD mandate no 28

£32.00

10/09/2005

Interest charged while account overdrawn

£14.33

10/09/2005

Charge for unpaid DD mandate no 49

£32.00

10/09/2005

Charge for unpaid DD mandate no 42

£32.00

10/09/2005

Charge for unpaid DD mandate no 24

£32.00

10/09/2005

Charge for clearing Visa payment while overdrawn

£30.00

09/08/2005

Charge for clearing DD/ SO while overdrawn

£32.00

09/08/2005

Charge for unpaid DD mandate no 49

£32.00

09/08/2005

Interest charged while account overdrawn

£12.44

09/08/2005

Charge for clearing Visa payment while overdrawn

£30.00

09/08/2005

Charge for clearing DD/ SO while overdrawn

£32.00

09/08/2005

Charge for unpaid DD mandate no 49

£32.00

09/08/2005

Interest charged while account overdrawn

£12.44

09/08/2005

Charge for clearing DD/ SO while overdrawn

£30.00

09/06/2005

Charge for unpaid DD mandate no 28

£32.00

09/06/2005

Charge for unpaid DD mandate no 68

£32.00

09/06/2005

Charge for unpaid DD mandate no 49

£32.00

09/06/2005

Charge for unpaid DD mandate no 28

£32.00

09/06/2005

Interest charged while account overdrawn

£12.70

09/06/2005

Charge for unpaid DD mandate no 49

£32.00

09/06/2005

Charge for unpaid DD mandate no 67

£32.00

09/06/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Unpaid Direct Debit charge

£32.00

09/04/2005

Int Debit

£8.93

09/04/2005

£0.00

31/01/2005

Total for April 2005 - July 2006 (statements received)

£2,086.80

July 2000 - July 2001 (estimated)

£1,565.10

July 2001 - July 2002 (estimated)

£1,565.10

July 2002 - July 2003 (estimated)

£1,565.10

July 2003 - July 2004 (estimated)

£1,565.10

July 2004 - Apr 2005 (estimated)

£1,304.25

£7,565

Total claimed

£9,651.45

Lets get it back

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Sent prelim letter to Abbey, recorded delivery

 

------------------------------------------------------------

31/07/06 sent Data Protection letter to Abbey.

09/08/06 Recived fob off letter

14/08/06 Sent second Data Protection Act letter

15/08/06 Received 12 months of statements

17/08/06 Received another 2 months of statements from 2005

19/08/06 Sent prelim letter

Lets get it back

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  • 2 weeks later...

Received a sorry you are unhappy letter today from the head of complaints. Along with it was a complaints form to fill in.

Do I ignore this and stick to my timetable or respond to it?

 

------------------------------------------------------------

31/07/06 sent Data Protection letter to Abbey.

09/08/06 Recived fob off letter

14/08/06 Sent second Data Protection Act letter

15/08/06 Received 12 months of statements

17/08/06 Received another 2 months of statements from 2005

19/08/06 Sent prelim letter

29/08/06 Received sorry you are unhappy letter

Lets get it back

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