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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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.

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      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
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Cancelled DD on a Natwest loan, they re-instated the DD!!

Tigstheterror

By Tigstheterror
in NatWest Bank

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Tigstheterror

Tigstheterror

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Hi folks just Tigers hubby here with a quickie question, took out an unsecured Natwest loan in 2007, due to increased financial problems tried to reason with Natwest on several occassions about reducing loan payments all to no avail. Went in last month and cancelled the DD for the loan on Advantage Gold account,also have a cash ISA account with them,a joint First Reserve account which my wife uses only. Now question is i cca'd them and have had no response, instead they have re-instated the DD on the loan and i am left with nothing to live on for 2 weeks until next pay day!! Can they do this? could they also go to my other accounts for the money if i were to close down the Advantage Gold account as i have already said, it's my wife only who uses the First Reserve, none of my money goes into that.

They haven't dealt with the loan account correctly anyway and i have been asking for help with it for over 6 months as i increasingly could not afford the re payments any longer,i am just worried that they will now go to any of the other accounts and empty them even though theres little in them!!!

Any advice would be appreciated as to what to do, many thanks

Mo

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havinastella

havinastella

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Hi Tigs.

 

The simple answer is YES, it's in their T&C's and is called 'Set off'

 

You need to open another account that has nothing to do with Natwest (It's hard now)

 

They can (and will ) as you have found out, RAPE any account to service another account held by the bank.

 

Jogs

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Tigstheterror

Tigstheterror

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Right ok cheers for the response!! i think i will have to close all accounts and take my money out, btw, can i remove my name from the joint account and leave the wifes name on ? would they touch her money as it's her incapacity money that goes into this nothing else?

many thanks

Mo

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yourbank

yourbank

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Hi folks just Tigers hubby here with a quickie question, took out an unsecured Natwest loan in 2007, due to increased financial problems tried to reason with Natwest on several occassions about reducing loan payments all to no avail. Went in last month and cancelled the DD for the loan on Advantage Gold account,also have a cash ISA account with them,a joint First Reserve account which my wife uses only.

If you don't use the benefits of the Advantage Gold account then get rid of it and downgrade the account to a Current Plus(that will save you £12.95 a month).

 

 

Now question is i cca'd them and have had no response, instead they have re-instated the DD on the loan and i am left with nothing to live on for 2 weeks until next pay day!! Can they do this?

Yep

 

 

could they also go to my other accounts for the money if i were to close down the Advantage Gold account as i have already said, it's my wife only who uses the First Reserve, none of my money goes into that.

If the loan is in joint names then only the CASH ISA is not allowed to have money taken from it to off set the loan account.

 

They haven't dealt with the loan account correctly anyway and i have been asking for help with it for over 6 months as i increasingly could not afford the re payments any longer,i am just worried that they will now go to any of the other accounts and empty them even though theres little in them!!!

Technically yes but that would be if the accounts end up with Credit Management Services.

 

Any advice would be appreciated as to what to do, many thanks

Mo

Hope that helps.

.

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

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Tigstheterror

Tigstheterror

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Hi loan isn't in joint names and was taken out before we were married,we married this year! So if i could remove my name from the joint account would that leave her money safe each fortnight?

Also i have rung around a few banks today and because i had my house re-possessed last year they won't even let me have a basic account to have my wages paid into!!!!! is this correct because i was informed by an ex bank employee that even a banckrupt has the right to a basic account!!

Many thanks for any info

Mo.

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WelshMam2009

WelshMam2009

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Hi loan isn't in joint names and was taken out before we were married,we married this year! So if i could remove my name from the joint account would that leave her money safe each fortnight?

Also i have rung around a few banks today and because i had my house re-possessed last year they won't even let me have a basic account to have my wages paid into!!!!! is this correct because i was informed by an ex bank employee that even a banckrupt has the right to a basic account!!

Many thanks for any info

Mo.

 

I've been looking into this. The only one I can see for an undischarged bankrupt is with the co-op...think it's called a cashminder.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Tigstheterror

Tigstheterror

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Thanks for the reply, i only have one CCJ against me so i am unsure as to why i am being refused!!!

However, could i remove my name from the first reserve that the mrs is on,and btw it's her maiden name, this is going to sound confusing, because her married and maiden names are the same, and i swear we weren't related before we married!!!( we both had same surname) so technically the bank doesn't know were married, if you get me? that way her money remains safe, thus could i then get wages paid into that and draw on her card? gawd, i'm confusing meself now!! lol but hope you get my drift? or would the bank catch on and arrest that account too? even though it would be in her name?

Many thanks

Mo

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yourbank

yourbank

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Thanks for the reply, i only have one CCJ against me so i am unsure as to why i am being refused!!!

However, could i remove my name from the first reserve that the mrs is on,and btw it's her maiden name, this is going to sound confusing, because her married and maiden names are the same, and i swear we weren't related before we married!!!( we both had same surname) so technically the bank doesn't know were married, if you get me?

You need a form which is "Remove a party from a personal account" both of you need to sign it and it should be complete within 5 working days of handing the form in.

 

that way her money remains safe, thus could i then get wages paid into that and draw on her card? gawd, i'm confusing meself now!! lol but hope you get my drift? or would the bank catch on and arrest that account too? even though it would be in her name?

Many thanks

Mo

The answer is yes to your question cos I do get your drift.

.

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

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Tigstheterror

Tigstheterror

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LLMAO he's had a rough day of it, thankyou for all of your help, much appreciated and at least we can start now on the battle with them as concerns the loan,many thanks for putting his and my mind at rest a little

Tigs x

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