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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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Answering Back ***WON***


MadgeXXX
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Hello to everyone!

 

I have just started the process!

 

I found the site through a BBC News online article and I have spent several days reading and re-reading. It looks like it could be stressful but rewarding.

 

To date I have opened another account (with an organisation notably absent from your pages - what a marketing tool that could be!) and I have sent off the Subject Access Request to the address held at the Commission.

 

At the very least I can make them work for their charges!

 

I will keep you posted when something occurs.

 

Regards,

 

MadgeXXX

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Hi Madge!

 

Its quite daunting when you start but its worth it in the end.

 

Just stay focused and dont except anything less than what your owed!

They will try to buy you off several times and try every scare tactic in the book, but, You have the power over them remember and they know that.

 

Good luck with it

 

Ask away if you have any probs and we will help and keep us upto date..

 

Steph x

  • Confused 1

NatWest - £3702.94 - Won.. Done and Dusted!!

Lloyds - £771.52 - Nearly there...

 

The Daily Mirror, GMTV, Granada Reports........

Hollywood Next!

 

Check out how I re-claimed my unlawfull bank charges:

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/4797-stephanie-NatWest-i-i.html

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Hi Steph

 

Pretty impressive result you had, and very encouraging! Will let you know what happens next. The bank has until early September to provide the information requested.

 

MadgeXXX

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  • 1 month later...

Despite Royal Mail telling me that they have lost my recorded delivery S.A.R - (Subject Access Request), Nat West have sent me 172 statements - must be something in the water. My cheque has not been cashed, but I have been charged £5 for historical statements. I have gone through the statements and have noted unarranged borrowing fees, paid referrals, charges, and unpaid item charges. The date ranges from 31 May 02 to the present day. The value is £1062 exc interest. How am I doing so far?

I will write to Nat West and tell them my intentions.

 

Happy Days!

 

:)

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did you have an advantage gold account? you are in good company here as Angry Princess was on GMTV after she won, so Good Luck

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Hi Madge

 

Sounds like we're at the same stage so I'm keeping tabs on your thread to see how it's going. Mine is redsaz v NatWest. Good luck to us both eh.

 

How are you going to claim your interest? 8% if/when it gets to court or are you claiming the contractural rate from the outset? There's a great thread on this if you wasn't aware. Called something like 'why isn't anyone claiming contractural interest'.

 

If you're an Adv Gold customer you know you can't claim back the monthly fee don't you? It'll show up as a 'charge' and is currently £12 a month I think.

 

All the best, we'll get there;)

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Hi,

 

I am following the step by step process on Money Saving Expert. At the moment I have let the simple spread sheet calculate interest at 8%. I have claimed for anything that says charge and ignored all those items that say fees. I have also ignored interest charges on authorised and unauthorised borrowing.

This has all started because the Bank would not refund me a £38 charge for an unpaid DD of £22 despite £100 being available in my account all on the same day and in fact the three transactions appearing on my statement on the same day!

 

Nothing like a small rant on a Saturday night!

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Hi,

 

I am following the step by step process on Money Saving Expert. At the moment I have let the simple spread sheet calculate interest at 8%. I have claimed for anything that says charge and ignored all those items that say fees. I have also ignored interest charges on authorised and unauthorised borrowing.

This has all started because the Bank would not refund me a £38 charge for an unpaid DD of £22 despite £100 being available in my account all on the same day and in fact the three transactions appearing on my statement on the same day!

 

Nothing like a small rant on a Saturday night!

 

You can probably claim for fees as you do not have an ad gold they cannot be that - e#what do they call these fees?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Dear All,

 

I have checked through the schedule of charges and I am claiming for:

 

Charges - Unarranged Borrowing Fees

Paid Referrals

Charges (A/C Number per month)

Unpaid Direct Debit

 

Interesting to note is the the value of the Paid Referral charges - it would appear that for one month I was charged £75 for being 22p over my agreed limit. I can't be sure of the facts but that is what statement is indicating.

 

I will send out the letter this week requesting the money to be refunded. Where is the best place to send it - local branch or the HQ?

 

MXXX

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The referral fee would have been for any DD/SO/cheques that NW would have paid that took you over your overdraft limit.

 

As to your question, branch is a good starting point.

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Hi Madge, I sent my prelim letter to the Bishopgate address, I posted my prelim letter on Tues 29/8 and i had a reply on Sat 2/9 so i now have my LBA letter ready to post tomorrow.

NatWest: Prelim letter sent 29/8

Reply to prelim 2/9

LBA letter sent 4/9

N1 filed at Court 20/9

Notice of issue deemed to be served 2/10

Natwest filed acknowledgement 16/10

Natwest have until 30/10 to file defence

Defence received 26/10

AQ received 2/11

Cobbetts made offer of £2600 2/11

AQ filed 16/11

Court date received 23/11

Court date set for 17/1/2007

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Letter prepared and as I have decided to send it to the branch rather than a faceless individual at Bishopsgate it has been annotated "BY HAND" to negate Royal Mail losing it. The Schedule of Charges has been prepared, and the interest calculated for use at a later date but removed from the schedule. All ready to take to the bank tomorrow unless anyone advises differently! I have not calculated whether or not my overdraft was exceeded by their charges and so have not calculated this element of the claim. I am acutely aware though that the charges applied to my account did not help in my management of my money, considering with paid referrals and unauthorised borrowing I was losing nearly £100 per month to charges for a couple of months.

I will let you know what happens next.

Regards

 

MadgeXXX

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A response has been recieved from my Branch Manager as follows:

 

"Thank you for your letter of 8th September 2006 and I apologise for any dissatisfaction caused by the application of charges to your account.

 

We believe that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products.

 

We have considered and responded to the Office of Fair Trading's statement of 5 April 2006. We do not accept the Office of Fair Trading's findings in relation to credit card fees. We are concerned that the Office of Fair Trading has publicly called into question the settling of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products.

 

Consequently, against that background, we must differ with the views expressed in your letter.

 

Again, thank you for taking the time and trouble to write.

 

Yours sincerely,

 

signed on behalf

 

Branch Manager"

 

A leaflet was also included with regards to complaints etc.

 

What do I do next do you think - LBA?

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Hi Madge

 

Who is the organisation you mention that is absent ... i'd be intrigued to know of a 'better' bank. I'd switch in a shot !!

 

Good luck

Nat West, * WON *, 10/2006, £1287

A & L, * WON *, 11/2006, £188

Donation Made to Site

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Hello Seanf

 

It was Norwich and Peterborough Building Society! However, I think their halo is possibly slipping....

 

To date I have not had a problem with them, and neither has my husband. They have been most helpful sorting out the transition from one account to another and have eased the pain of sorting out DD. To date the Society is recommended. They answer the phone quicker than Nationwide thats for sure!

 

I for one am a wiser banking customer.

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