Jump to content


  • Tweets

  • Posts

    • We initially raised a complaint with the finance company who told us that as its over 6 months the consumer rights act won’t apply and we would need to provide evidence of the problem being there at purchase. As we have only just got the report from Mercedes we haven’t been able to submit this within their 14 day timeframe. Is this not the case then? Thanks
    • The previously little-known Chinese-American businessman’s fortune was transformed by the British taxpayer through 11 government contracts worth approximately £4.3bn for lateral flow tests (LFTs) made in China and sold by Innova. Charles Huang says contracts generated $2bn (£1.6Bn) profit   The government fast-tracked the company after its British representatives sent a direct email to Dominic Cummings, the chief adviser to the then prime minister, Boris Johnson, in July 2020. And, a Guardian investigation has found, the fast-tracking of Innova was supported by the then chancellor Rishi Sunak’s team at the Treasury. Innova became for a period of at least four critical months the only company authorised to supply rapid Covid tests in the UK, despite scores of others developing similar kits. At the time, the government spending watchdog raised concerns   Boss of US firm given £4bn in UK Covid contracts accused of squandering millions on jets and properties | Coronavirus | The Guardian WWW.THEGUARDIAN.COM Exclusive: Rishi Sunak’s team helped fast-track deal with firm founded by Charles Huang, who says contracts generated $2bn profit  
    • Welcome to the forum What makes you think that ?   Andy
    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
  • 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
        • Like

Capital One Rejected claim - now I need to contact the FOS


loobyloo35
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5532 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Ok so having worked this out my figures are:::::

 

£856 total charges

£709.48 interest at the APR card rate of 28.82%

£153.33 8% compound interest rate

 

TOTALS - £1565.48

 

So..... what are my chances of that lot being refunded???

 

Shadow - have I done this correct please? Thanks :-D

Link to post
Share on other sites

  • Replies 79
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Ok I am starting to get confused again!

 

I have claimed the APR interest from my card for one section and the 8% interest - that IS called compounded interest - am I right in thinking that?

 

Where would the s69 interest come from or can you not claim both?

 

Ok as I understand it you cant claim both stat s69 court interest @ 8% and compounded interest at the same time but I have seen cases where people have done it and won due to the defendant caving in prior to court.

 

the 8% you have added on top of everything is the stat s69 interest.

the apr% interest is the Contractual compounded interest

 

Fraid I cant help you fill out the N1 with both as I've not done it myself.

 

S.

Link to post
Share on other sites

Ok as I understand it you cant claim both stat s69 court interest @ 8% and compounded interest at the same time but I have seen cases where people have done it and won due to the defendant caving in prior to court.

 

the 8% you have added on top of everything is the stat s69 interest.

the apr% interest is the Contractual compounded interest

 

Fraid I cant help you fill out the N1 with both as I've not done it myself.

 

S.

 

Great thanks for clearing that up, I am as thick as you like when it comes to all this legal stuff LOL

 

The link that I added in this thread is whereby they have succeeded in claiming for both and Cap One have refunded partial or most of it so I am going to give it a go. I have the relevant N1 form from this thread which I am going to use so will see what happens.

 

I really hope this doesnt go to court lol, but if I win it will clear the £333 they think I owe them PLUS give me a few pennies to spend as I wish! FINGERS CROSSED!

Link to post
Share on other sites

Great thanks for clearing that up, I am as thick as you like when it comes to all this legal stuff LOL

 

The link that I added in this thread is whereby they have succeeded in claiming for both and Cap One have refunded partial or most of it so I am going to give it a go. I have the relevant N1 form from this thread which I am going to use so will see what happens.

 

I really hope this doesnt go to court lol, but if I win it will clear the £333 they think I owe them PLUS give me a few pennies to spend as I wish! FINGERS CROSSED!

 

Cool :cool:

 

Best of luck and keep this thread updated with your progress.....

 

S.

Link to post
Share on other sites

Ok, there still seems to be some confusion on the different types of interest.

 

Section 69 interest, which is also known as statutory interest is 8%. It is intended for claims where no interest has been claimed to compensate for the loss of the use of your own money when you didn't have it. You can claim it on the interest that you've paid out on the charges, as bookie did in her claim, because she didn't have the use of the money she paid on the charges. The advanced spreadsheet on this site calculates this, and would be my personal preference. It updates daily and the interest can be claimed from the date the charge was added to the date payment is received. It should not really be claimed until you begin your court claim.

 

Contractual interest is where you simply claim interest at the rate that you have been charged. If you use this, you should not be claiming 8% as well. Do not make the mistake of thinking you can claim all the interest you've paid. You can only charge interest on the charges you've paid.

 

Compound interest is different again. This is where you claim contractual rate interest on the contractual rate interest.

 

If you do not understand what is meant by contractual or compound interest DO NOT CLAIM IT. If you want to use it then you need to put in a lot of work to understand it well enough that you could go to court and explain to a judge why you believe you are entitled to it. I personally would not be confident enough to explain either in court, and could not offer any advice on it, simply because I know enough to know I don't enough!!!:|

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...