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    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
  • Our picks

    • 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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Nat West making money for nothing


mashmallow
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Hello you good people, It's me again with another issue. I opened a current account with Nat West and let myself be talked in to taking a green flag insurance out with them for £6.00 per month. I agreed because I was soo happy to get a current account after many many years. Anyway I did not have time to change all my dealings from my step account and therefore the first £6.00 came out of my current account, but did not because there was no money in there. The charge came in at £28.00 + £8.00 for god knows. I telephoned and told them to cancell the DD but they said until the charges were paid they could not, so I paid the charges £36.00. The following month another charge appeared so I telephone again and they said I have got charged again because the first charge was not paid on a specific date. We being stupid paid again anyway this went on until the charges have reached £140. I wrote to Nat west and requested that this stops and I want to recalim alll my charges and close my current account down. I have not had a reply. This account has cost me nearly £230.00 for which I have paid half already.

 

Can someone please tell me what to do as I can't believe for a £6.00 DD not being paid has cost me emmensley. I have so many debts to deal with and don't know my a--e from my e--bow.

 

Regards

 

Mashmallow

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Hello you good people, It's me again with another issue. I opened a current account with Nat West and let myself be talked in to taking a green flag insurance out with them for £6.00 per month. I agreed because I was soo happy to get a current account after many many years. Anyway I did not have time to change all my dealings from my step account and therefore the first £6.00 came out of my current account, but did not because there was no money in there. The charge came in at £28.00 + £8.00 for god knows. I telephoned and told them to cancell the DD but they said until the charges were paid they could not, so I paid the charges £36.00. The following month another charge appeared so I telephone again and they said I have got charged again because the first charge was not paid on a specific date. We being stupid paid again anyway this went on until the charges have reached £140. I wrote to Nat west and requested that this stops and I want to recalim alll my charges and close my current account down. I have not had a reply. This account has cost me nearly £230.00 for which I have paid half already.

 

Can someone please tell me what to do as I can't believe for a £6.00 DD not being paid has cost me emmensley. I have so many debts to deal with and don't know my a--e from my e--bow.

 

Regards

 

Mashmallow

Is it £6 or £6.95? My gut feeling says that you have an advantage Blue account. Downgrade it cos you can't claim the £6 or £6.95 back.

Furthermore what does the DD actually say?

.

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

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Thanks for replying to me, You are correct it is what you said, when I go onto internet banking I can only see charges for £28.00. I cancelled the DD about 4 months ago and they are still charging me? What do I do?

 

Please help

 

 

Thanks

 

Mashmallow

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The account is still going over the overdraft limit if one is on the account(I think it may be the charge of £28 itself taking it over)

.

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

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Me again,

 

I asked for all my charges to be refunded this has not been replied to what do I do next please helpful one.

 

Mashmallow

Which address did you use and when was the first letter written?

.

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

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The branch should have forwarded them on.The address below is where it should get to.

Customer Service Response Unit

The Cornerstone

60 South Gyle Crescent

Edinburgh

EH12 9WF

.

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

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Forgive me for asking a personal question mashmallow but are you in financial hardship at the moment?

 

TFT

09/07/09 :)Business Studies BA(Hons) 2:1:)

 

eCar Insurance overpayment - £325

Settled in full - 15/09/08

NatWest Student A/C bank charges - £260

Settled under hardship scheme - 08/06/09

Natwest Business A/C bank charges - £60

Settled in full as GOGW - 20/04/09

Santander Consumer Finance late payment fees - £60

Part settled for £48 - 01/03/08

Peugeot Finance late payment fees - £50

Settled in full before county court hearing - 01/09/09

Peugeot Finance overpayment of £247

Settled in full - 01/12/08

Valley Leisure - complaint about collections agent

£160 part refund of gym membership in compensation - 01/02/09

HFC Bank - complaint about payment deducted from my account on wrong date

GOGW £10 - 01/05/09

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You need to send the letter to that address given to you above, by recorded post. Reclaim all charges, and if you are in financial hardship, state this. In the meantime the account will be in dispute, which means they cannot keep applying charges or pursue you for any money.

If I have been helpful in any way, please tip my scales :lol:

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You need to send the letter to that address given to you above, by recorded post. Reclaim all charges, and if you are in financial hardship, state this. In the meantime the account will be in dispute, which means they cannot keep applying charges or pursue you for any money.

The bit in bold is not right but can you explain?

.

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

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Hi everyone,

 

Thanks for taking interest, message to TFT financial hardship is an understatement but I am not going to give up. What annoys me. Because of £6.95 dd which I set up for a nat west blue account what ever that is because I was over the moon to get a cheque book even though there is no money in the account I messed up and cancelled the DD the person said I could not cancel it for whatever reason and I then asked to shut the account down, they could not do this either because there was a charge or two on the account because of this DD, so I paid the two charges, and thought start again the following month another charge appeared, I telephoned and they said because the charges was not paid off on a specific date the charges prior have incurred a further charge and up to today it is occuring £28.00 per month. I have just ignored it, it can go to £2000 as far as I am concerned? They will not get any money from me. These peoplea are so called b......s and shot be put down once and for all.

Even the CCCS has given up with me so let them all get on with it, I have nothing they can take only my spirit of fighting.

 

Regards,

 

 

Mashmallow

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  • 4 weeks later...

Wrote to Nat west regarding charges and got this letter back from them:-

On checking our records I can see you requested to open the current account in April 2008. You requested additional breakdown cover and by signing the account application you were agreeing to the fixed fee and terms and conditions of the account. Having reviewed your account I believe that the charges debited have been applied correctly and in accordance with our published tarriff. Your account has become overdrawn as your account fee has been applied and there were no availble funds in your account to cover this charge. It is the customers responsibility there were no available funds in your account for any payments or charges which are due. As there has been no bank errors made we will not be looking to refund any chaarges at this time. Etc., What are these w/////s trying to say. They are justified in taking my money .?? any ideas

 

Mashmallow

Edited by MARTIN3030
replaced inapp wording
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Wrote to Nat west regarding charges and got this letter back from them:-

On checking our records I can see you requested to open the current account in April 2008. You requested additional breakdown cover and by signing the account application you were agreeing to the fixed fee and terms and conditions of the account. Having reviewed your account I believe that the charges debited have been applied correctly and in accordance with our published tarriff. Your account has become overdrawn as your account fee has been applied and there were no availble funds in your account to cover this charge. It is the customers responsibility there were no available funds in your account for any payments or charges which are due. As there has been no bank errors made we will not be looking to refund any chaarges at this time. Etc., What are these w/////s trying to say. They are justified in taking my money?? any ideas

 

Mashmallow

 

Did you send the letter to the branch or to the address advised for reclaiming charges in the NatWest section?

Edited by MARTIN3030
Replaced inapp quote

.

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

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