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    • We don't often advise appealing a PCN, it's true. It's too easy for people to out themselves as the driver and make things more complicated. We might suggest writing to a large supermarket chain or a hospital in your case, but rarely to the PPC. It isn't in their interests to allow appeals, they don't make any money then. HB
    • Can you tell us more about the car. Make, model, price paid, year blah blah blah. Please can you upload your claim form in PDF format. Was the castle with an MOT? What date was MOT? Who gave it the MOT? You have issued the claim – when did you issue it/when is the return date? How did you pay for the car? What other losses have you incurred – insurance, repairs, et cetera? You've been here since 2015 – and am curious to know why you didn't come here first before you started getting into formalities with them. You have a responsibility for the vehicle. However I would indicate to them that you are going to be charging him storage from the date that you first tried to return it to them and they refused. Did you send them a letter of rejection? You're still within 30 days and you should have done this. You say that you bought the car on 9 July. What they did you issue the claim? You should have implemented the pre-action protocol of giving them 14 days notice before you issued the claim. It appears that you haven't done this and this could pose a problem for you if the matter is raised in court. Why didn't you send them a letter of claim giving them 14 days? Please can you go to these questions carefully and address each one  
    • So, is frightened farage in westminster doing his utmost for his constituents ? or has he naffed off to suck up to the republicans in the US?   No prizes for guessing.   Nigel Farage defends flying to America to support Donald Trump as MPs debated King's Speech in Parliament CA.NEWS.YAHOO.COM The Reform UK leader was in Milwaukee, Wisconsin, where the Republican National Convention is being held   Someone check his UK expense claims
    • BTW do you think i need to include the Blue Badge or PIP letter or anything to do with housing in order to evidence my partner's disability or are the witness statements enough?  These can be easily added I just don't want a bunch of private health related documents in the public domain as you can imagine.
    • I can see you have this on 3 different forums and the advice you are getting is broadly similar on each. It all depends on your appetite for risk; sadly no one can force your employer to behave, with no potential consequences to yourself.
  • 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
      • 162 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

Parachute Accounts


Spiceskull
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...they are obviously getting snowed under with requests for new accounts. Just received two letters regarding my applications, asking me to sign the 'enclosed' forms...only trouble is they forgot to enclose the forms...

 

Maybe they don't want new customers any more.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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Updated:

 

One of them asked me to sign a form - the other turned me down after a check with Experian. Therefore, I want to know why, and have requested my credit file, as no-one has ever informed me that a notice against my credit file has been lodged...surely you have a right to be notified...don't you?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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Update (from yesterday): rang with a query, and was able to open a Co-Op Cashminder account there and then!

 

If you ring the Co Op on:

0161 947 7135 - they will try to fob you off with an 0845 number. Ask nicely and firmly, and they should put you through (much cheaper...)

 

I asked if I could open the account online, the young lady said I could do it on the 'phone. They clearly have to go through the ten minute spiel (personal details and the like) and make a couple of checks to prevent money laundering. No check against CRA (this is a non-overdraft account) - and the account is accepted.

 

A few days later you will receive the documents in the post (actually, mine turned up this morning!!!), sign, send proof of ID, and the account is yours...

 

Painless, efficient and incredibly convenient. Dare I say "well done Co-Op?"

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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Update (from yesterday): rang with a query, and was able to open a Co-Op Cashminder account there and then!

 

If you ring the Co Op on:

0161 947 7135 - they will try to fob you off with an 0845 number. Ask nicely and firmly, and they should put you through (much cheaper...)

 

I asked if I could open the account online, the young lady said I could do it on the 'phone. They clearly have to go through the ten minute spiel (personal details and the like) and make a couple of checks to prevent money laundering. No check against CRA (this is a non-overdraft account) - and the account is accepted.

 

A few days later you will receive the documents in the post (actually, mine turned up this morning!!!), sign, send proof of ID, and the account is yours...

 

Painless, efficient and incredibly convenient. Dare I say "well done Co-Op?"

 

My hubby did this and they still turned him down, we have never found out why.

Ex CAG helper ^_^

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Maybe your credit file was too good so they scored you low.I have heard of someone being refused as they have had no debt ,paid all their bills on time and owed no money to anyone.Bank thought they where not a good customer as they would make no money from them.A good customerto a bank is someone who goes into debt but pays a small amount back regularly and on time.A customer like that can make them a lot of money.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Guys - I think you missed the point on this: the whole concept of the cashminder account is that they don't do a credit check because you will not be getting any credit facilities...clearly there must be an additional factor in Mr Cheddar's case...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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  • 4 months later...

Can anyone help with a bank account for someone who is not on the electoral register, has had adverse credit in the past and is now trying to start all over again. Recently applied for a Nat West step account but was refused even after bringing in passport, utility bill etc...

 

Thanks:)

halifax: Data Protection Act sent 05.05.06

40 days up: 14.06.06 - no info received

sent lba 09.06.06 telling them they have 7 days (21.06.06) to comply

sent prelim letter, 22.06.06 - £4340.00!!

03.07.06 - offered £565 from Halifax

SENT LBA - 7TH JULY 2006

FILE MONEYCLAIM - 21.07.06!!

4.08.06 - ****** SETTLED IN FULL *******

 

Barclays: sent Data Protection Act 31.05.06

received some info 09.06.06, missing 3 years worth of statements- rang them, they now have 25 days to comply

sent prelim letter, 23.06.06 - £2520!!

SENT LBA - 11TH JULY 2006

20.07.06 - OFFER RECEIVED £900..... No Thanks!!

FILE MONEYCLAIM - 24.07.06

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Can anyone help with a bank account for someone who is not on the electoral register, has had adverse credit in the past and is now trying to start all over again. Recently applied for a Nat West step account but was refused even after bringing in passport, utility bill etc...

 

Thanks:)

 

Tell them to go for the one's with cash cards only and not debitcards try nationwide or the post office.

 

If he is not on the electoral this may be hard.

 

Others may have some more for you:)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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Tell them to go for the one's with cash cards only and not debitcards try nationwide or the post office.

 

If he is not on the electoral this may be hard.

 

Others may have some more for you:)

 

Will pass the advice on, but doesn't it alter your credit rating if you apply and are turned down for bank accounts??

 

Thanks for the advice though....:-|

halifax: Data Protection Act sent 05.05.06

40 days up: 14.06.06 - no info received

sent lba 09.06.06 telling them they have 7 days (21.06.06) to comply

sent prelim letter, 22.06.06 - £4340.00!!

03.07.06 - offered £565 from Halifax

SENT LBA - 7TH JULY 2006

FILE MONEYCLAIM - 21.07.06!!

4.08.06 - ****** SETTLED IN FULL *******

 

Barclays: sent Data Protection Act 31.05.06

received some info 09.06.06, missing 3 years worth of statements- rang them, they now have 25 days to comply

sent prelim letter, 23.06.06 - £2520!!

SENT LBA - 11TH JULY 2006

20.07.06 - OFFER RECEIVED £900..... No Thanks!!

FILE MONEYCLAIM - 24.07.06

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Natwest are continually calling and trying to move me up from my Step account.

 

They are talking about savings accounts, cheque books and overdrafts.

 

Poor souls, it's only an account in case the Scabbey close my other account.

 

I'll keep them calling, I actually enjoy having a bank chase me for business, fully knowing I'm never going to upgrade the account.

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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