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

Hardship - Barclays


goose1234
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5314 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 All

 

I have already requested a summary of my charges and am posting request for payment letter today. Now within the template it refers to changes in circumstances, i.e. breakdown of partnership, death etc of which none of them I have experienced. I am not on benefits etc, my circumstance is purely I am trying to pay my bills leaving me with next to no money for living expenses and Barclays are whopping on an extra £120 each month to my account in changes so am struggling to get on top of things. So on that basis I have amended the template letter and wondered if someone could take a look and if they think I have a case. The amount is approx £870 to date:

 

Obviously I have taken off my account details

 

I am writing to request that you repay all the default charges that have been applied to my account since 10 Sept 2003 and stop adding any further charges to my account. I do not believe these charges reflect the true cost to Barclays of going into unauthorised overdraft.

 

I request that you deal with my case now rather than once the test case has ended as I am currently experiencing financial difficulties and the FSA waiver states that you should continue to deal with hardship cases.

 

My current circumstances mean that I am struggling to meet my payments each month, whilst striving to pay all my monthly bills, Barclays keep adding to my account leaving me with virtually nothing for food and day to day living expenses, this is clearly visible on my monthly statements and as I have two children I have found myself needing to take cash out on a credit card to pay for day to day goods.

The charges total. I believe I have been unlawfully deprived of the money and therefore ask that you repay me the full amount. I have attached a full schedule of the charges with this document.

 

I look forward for a full response to this letter within 14 days.

 

Yours faithfully,

Link to post
Share on other sites

  • 3 weeks later...

Apologies on the lack of responses. Firstly, I would get Barclays to get rid of the Personal Reserve since it is costing you £22.00 every five days.

secondly this site recommends you claim every charge going back to Janury 1995 and even under financial hardship you can be considered for charges since July 2001 so can you clarify if your account was opened in 2003 since that would appear to suggest that you are simply going back only 6 years.

Did you send an income and expenditure form and notices of arrears since providing as much information as possible to enable an assessment of financial hardship is essential otherwise they can reject your claim under financial hardship without the necessary evidence of it.

Whether you work or do not work is irrelevant to whether you are in financial hardship.

.

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

Link to post
Share on other sites

Thank you Yourbank for your reply, strangly enough, on Saturday morning I received an income and expenditure form from Barclays for me to complete. I will get that filled out today and sent off 1st class. Do you know how long they have to respond?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...