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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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    • Whyisitthis
      B&Q I’m now a shoplifter?

      By Whyisitthis · Posted

      Hello, firstly thank you for reading this. I know no one wants a long winded back story. So I’ll be breif. I entered a local store to buy some paint (which I did pay for) I am honestly not a bad person or a theif.   Didn’t have a basket or trolly as was on my lunch break. Whilst picking up the three tubs of paint placed some masking tape in my pocket (it was hanging out of so I had every intention to pay) just didn’t have a hand free. Paid for my goods (forgot about the £4.39 masking tape) I’ve got so much going on and im not well at all (like I say no one cares I get that) also have autism so wasn’t thinking particularly like others do maybe (who knows my minds going around and around) I left the store after paying, was pulled back in by security. Asked for the tape which I gave immediately  shook up. Gave them my ID and details. I was given some paper and told to expect a large fine in the post for their time and the tape and sent on my way. my questions are: I hardly ever go out without support so the ban I guess I can’t go there now for anything (their loss) - ok but is my photo going to be all over with my name? how much am I expecting in the post as a fine? I have sent them cash in the post recorded signed for delivery to arrive tomorrow (incident happened today) for my error. Their Address was on the bit of paper. i have read two posts on this page but they were from many many years ago so I hoped for updated advise please? 
    • dx100uk
      Big Motoring World Leeds

      By dx100uk · Posted

      V important you read lots of BMW threads too !  
    • axil23
      Wrong settlement quote given on PCP.

      By axil23 · Posted

      So should I send them a new SAR and put my date of birth on it? Or do I need to send them some proof? Driving license? 
    • PhoenixCab
      Big Motoring World Leeds

      By PhoenixCab · Posted

      Thanks so much for your help!! I've emailed them, and when they reply saying they can't do it I'll reply and state my rights. I'm so glad I found this forum, and will read all of the posts I can find and help guides available for the future. Really can't thank you enough.
    • dx100uk
      Big Motoring World Leeds

      By dx100uk · Posted

      utter BS, doesn't matter you signed it. pers i'd be writing as per the other threads here rejecting the car as not as described under CRA etc and be done with it. as its a debit card you could also do a full chargeback within 120 days to your bank and simply dump the car back to BMW. 100's of like threads to read here. get your ducks inline. make sure you know what you are doing and off you go. dont take any BS from BMW, no matter what you sign it does NOT remove your consumer rights. p'haps it might be on the off chance you are a good manager , a quick phonecall tomorrow saying you dont want it because (no bla bla fitted) it might be resolved in 5 mins..i will guess to date you not tried

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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.

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      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.

Abbey Hardship Refund

Jamesx81x

By Jamesx81x
in Hardship applications

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Jamesx81x

Jamesx81x

Posted
Posted

Hi

 

Back in 2004 Abbey sold my account to the morons Link Financial at a balance of £743 made up of charges.

 

In October 08 i started a hardship claim with Abbey who in January 09 refunded the sum of £1035.

 

Link are still chasing me for the outstanding balance so i made a phonecall to Abbey to ask what was going on. They replied by saying the charges were put back into my account to help with my rent/gas arrears etc not to pay the unauthorised overdraft off.

 

What the hell they on about? If they have put the charges back into my account is this not a refund? They dont seem to think it is.

 

Thanks

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yourbank

yourbank

Posted
Posted

I think you need to tell link that since the account is in dispute they can't chase it. Furthermore, since the account is being managed by Abbey they are chasing a debt that doesn't exist. Is the account still open?

.

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

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Jamesx81x

Jamesx81x

Posted
  • Author
Posted

The account is closed.

 

It was sold to Link back in 2004.

 

Abbey refunded the charges but are saying it was not a refund of charges to clear the overdraft they were added to the account to help with my rent arrears etc.

 

Just dont understand what they are going on about. My claim was for a refund of charges using the fsa guidelines on hardship. In response to this Abbey refunded £1035 to conclude my complaint. Therefore it was a refund of charges.

 

Thanks

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yourbank

yourbank

Posted
Posted
The account is closed.

 

It was sold to Link back in 2004.

 

Abbey refunded the charges but are saying it was not a refund of charges to clear the overdraft they were added to the account to help with my rent arrears etc.

 

Just dont understand what they are going on about. My claim was for a refund of charges using the fsa guidelines on hardship. In response to this Abbey refunded £1035 to conclude my complaint. Therefore it was a refund of charges.

 

Thanks

 

Hang on they refunded £1035 yet they have added it to the debt oustanding?

.

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

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Jamesx81x

Jamesx81x

Posted
  • Author
Posted

They confused me too.

 

Basically bottom line it is a refund of charges. They are saying it is not classed as that and is to help me clear my rent arrears etc.

 

The debt they sold to link for £743 they are saying still exists.

 

How can it if they have refunded all that?

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Jamesx81x

Jamesx81x

Posted
  • Author
Posted

Any advice? :confused:

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lint

lint

Posted
Posted

If they give you money to pay debts can you take it out and pay link then its paid anyway. I know it sounds daft but thought it might work. what a bunch of plonkers.

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chrisb333

chrisb333

Posted
Posted

My understanding is you are entitled to ask them to pay you by cheque.

 

I presume you have been unable to withdraw the money because the account is closed>

 

What has happened with this case since last post?

Maybe advise more then

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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yourbank

yourbank

Posted
Posted

Did Abbey pay you to your account and you subsequently paid your rent arrears with the refund ?

 

If so then the debt with Link still stands as you never actually paid that £730 odd of charges in the first place, so to refund you in the way to clear the debt they would have had to of given link £730 odd and you the remaining £300 to make it up to the £1035.

 

Which would have left you unable to pay the arrears

 

Sound right?

.

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

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Jamesx81x

Jamesx81x

Posted
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Posted

Wouldnt there have to be a notice of assignent? Not Just Abbey saying the sold the debt?

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