Jump to content


  • Tweets

  • Posts

  • 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

Closed Barclays Business account overdraft- fees and interest


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5451 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

Hi, I'm not sure whether I should start a new thread or whether I'm in the right place on the site but here goes.... I would really appreciate some advice regarding a now closed business account with Baclays. The overdraft limit was 47K. They subsequently closed the business account and all other accounts we held with Barclays. Fortunately we'd already sensed difficulty on the horizan and had set up a new account elsewhere. At the time of Barclays closing the business account there was an outstanding overdraft of 32K and two bank loans attached to it. The debt has now been passed onto a debt collection agency who have said we owe 68K. I signed a personal guarantee on the overdraft and the loans although genuinely wasn't aware at the time that this was the case. I was directed to a solicitor by my bank manager who could set it all up quickly and when I went to see him I was literally told just sign here. Yes very niave but when told by my bank manager that it would be quicker than using my own solicitor I trusted them! I guess my main queries are..

 

a) Is there any possible claim for being mis-sold the overdraft facility?

b) If the account is closed and they are pursuing us via the personal guarantee how does this change things legally? I have read on one of the forums here that the debt is now personal so I have additional rights as a consumer.

c) Although I am willing to accept that I need to repay money that I have had via the overdraft and the loan what are the rules regarding fees and charges applied to the figure owed on a business account?

d) Is there any argument that could be made for disruption of business as they suddenly closed our accounts? The business very shortly after closed and I have since started a new business.

 

Basically I just want to get the final figure reduced as much as possible. We haven't the funds to pay back one lump sum...Who has!!... and the debt agency currently want to know what our payment plans are.

 

Thank you so much to whoever is reading this

Link to post
Share on other sites

Thanks for your reply...I have requested the details of the personal guarantee from Barclays and am currently waiting. All I know is that although the company has folded, and it was a limited company, they are still able to pursue us for the debt which they have put at 68k....

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...