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    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a p**s  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat ingrove of piston.
    • I Received a writ today from the sherif court there is form form 07 if intention to defend the solicitors are shoosmiths llp for Lowell portfolio    thanks please let me know your thoughts also 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
      • 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
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Please don't shoot me down its only a suggestion


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This is a fantastic site that already has and will continue to benefit many people in many different ways and for this Dave, Bankfodder and the moderators must be given a huge thankyou for the hard work that we can all see they continue to put into the up keep of this site, not to mention the financial commitment to keep this site up and running.

 

I feel that it would be a great shame and loss to all those that have become members in this friendly community to find that this site in the future has no option but to shutdown because of the financial burden that it must take to keep this site up and running especially at the rate it is currently growing.

 

So this is where I may get shot down (bullet proof vest is on) with my suggestion.

 

If a guest wants to come on in and view the posts that just fine, however if anybody wants to make a post or view certain parts of the forum you need to become a member. Now how do the current members feel about say a yearly subscription fee of say 5 or 10 pounds.

 

Taking into consideration that there are now over 10,000 members this would help Dave and Bankfodder to keep up to date with the latest legal reference material available and would also facilitate any future upgrades required and I would hope help towards the daily running costs also.

 

This site has a lot to offer and I feel that a subscription of say 5 or 10 pounds per year is a small price to pay against the benefits that can be gained.

 

Of course subscription fees for banks could be say 30 pound for a subscription!!!!

 

Maybe Dave or Bankfodder could set up a poll for this.

 

Regards

 

Switch

 

EDIT - To keep all this in one place, please now view THIS THREAD and post comments over there. BankFodder needs your input!!

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I have no problem paying a subscription fee

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Not an attemt to shoot you down or be the dissenting voice here, but.....

 

Many people are here because the banks are taking them for every penny they have got. If they see this service available but its going to cost £5 or £10 they are going to be put off.

 

While I know it is a fantastic service I would have shyed away from it had there been a subscription charge.

 

Bovvereds suggestion of a donate feature is a much better option as it allows users to access the site, get the tools tehy need to get their money back and then from that money make a donation to help others

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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It already exists - it's part of Bank Fodders 'strapline'...however, for now it is by way of vouchers to buy law books etc...

 

The issue of financial support has been discussed, and I am sure that when the guys get 5 minutes breathing space they will look at how the issue of contributions can be better managed...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

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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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i would be than happy to contribute something only been on here a day and have already gained some brill advice and learnt a fair bit (still a long way to go though!) :D

17th May 2006 - Letter from the Hellifex offering full refund of charges to date - £330.57 :D :D :D

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Sorry - I wasn't trying to shoot you either...good to see that you feel that you would like to 'return a favour...'

 

Good luck with your claim...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

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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You all must thank Bankfodder and Dave for the site. They pay for it. The ethos is that the site is free and open to all(except Banks!). They have asked for contributions to buy law books. These are very expensive and have to be bought year after year as the law changes (statute, case and common). If enough is raised, they will also be able to subscribe expensive on-line research facilities.

 

If you want to help, and can afford it, please make a donation, however small.

 

See: We'd like to buy some law books in the General forum

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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  • 2 weeks later...

Don't know anyone who couldn't afford a pound. A pound a member. That would be ten thousand pounds to start off with. Should help a bit?

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Don't know anyone who couldn't afford a pound. A pound a member. That would be ten thousand pounds to start off with. Should help a bit?

 

Fair comment but when your already £21 overdrawn because of a bank charge with no authorized ovedraft and a further £28 coming off in a couple of days for being overdrawn 20p is hard to come by never mind £1. Dont forget that we would have to have access to a debit card to make payment and the banks wont authorise payment because your overdrawn!

 

Its a catch 22 unitl the banks pay up and we are all flush at which point everyone has access to their own money to make a donation.

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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I don't think taking a percentage of the money regained through court would be a wise decision, I also think the initial payment idea almost turns the idea of the website around and turns it into another money grabbing organisation. Internet advice is a cheap commodity and therefore I always hope the best advice is the cheapest. This is the case here, and although I intend to contribute after my impending success, a forced charge is not something I like the sound of and I don't imagine many others would too.

 

I would probably suggest maybe having a few adverts down the side as well as contributions from grateful users. Adverts are annoying, but are common place on most websites, I don't think many people would steer clear of the sound advice for fear of a beer advertisement. Maybe see if you can get a bank to sponsor you for a chuckle, only joking. But I'd still be happy to accept a few flashing banners or something than see the website impose a "commission fee".

 

Good work anyway guys

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it is very easy to set up a pay-pal account for way of donations and have a link to it on the site, i think its a damn good idea as the more members this site gets the bigger the bandwidth usage will be = more money to pay for it, i would personally be very happy to donate to this site, i think the admins and moderators are doing a fantastic job all for free

LLOYDS TSB

DPA: REQUEST SENT: 11-04-06

RECEIVED 28-O4-06

PRELIM LETTER SENT: 04-05-06

RECEIVED SOD OFF:06-05-06

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  • 2 weeks later...

 

If a guest wants to come on in and view the posts that just fine, however if anybody wants to make a post or view certain parts of the forum you need to become a member. Now how do the current members feel about say a yearly subscription fee of say 5 or 10 pounds.

 

Switch

 

I for one would be really happy to help with a donation, I wouldnt have known where to start to try to reclaim any of my charges, I always thought there was nothing to do about them. However, there are a lot of sites I have been on asking for donations, hows about a paypal button so people can donate there and then. I realise that not everyone has paypal, but its only a suggestion.

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I would be happy to donate but have niether a card nor paypal.

If you have a book shop that you use regular Borders or waterstones or anything like that couldn't some people post book tokens to you? or postal orders but thats a little time consuming cashing them.

 

BL

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I am a bit like Ispartacus75 (earlier post) - absolutely penniless. I would definitely not have come on here if I'd been asked to pay money up front, just for the fact that I had no idea what I would be finding and it would seem frivolous to be throwing more money around when you don't know what you are going to find.

 

For millions of reasons, I prefer the donation button idea.

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I am a bit like Ispartacus75 (earlier post) - absolutely penniless. I would definitely not have come on here if I'd been asked to pay money up front, just for the fact that I had no idea what I would be finding and it would seem frivolous to be throwing more money around when you don't know what you are going to find.

 

For millions of reasons, I prefer the donation button idea.

 

I cant use it thats why i would like to donate book vouchers with my winnings. :-)

Im totaly brasik so at the beginning yeap to much to ask for joining fee or donation.

 

BL

PS But if i won the lottery tomorrow id rememeber you in my gift list lol

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Perhaps you would all like to post your comments HERE

 

BankFodder has started a thread on this very subject, and is looking for comments!!!

 

John

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Maybe I have some unrequited hippy aspirations but I much prefer the idea of this being a co-operative type affair.

 

If we start going with subscription fees and/or commercialisation where does it end? Collecting money could be time consuming and costly - would users incur charges for late/bounced payments (which I reckon there'd be a lot of given most of us are barely what you could call solvent!)

 

Ridiculous I know but you see my point.

 

These wonderful guys need reimbursing for their time and outlay but surely we are generous enough of spirit to make a pledge of a donation and stick to it.

 

Could even take it further and offer services in return. One good turn deserves another. Mechanics, builders, joiners etc etc might have something they need?

I could do a spot of ironing, make a nice apple crumble too!

 

Yes, donations is the idea most preferable to me.

 

Maybe we should have a poll?

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Could even take it further and offer services in return. One good turn deserves another. Mechanics, builders, joiners etc etc might have something they need?

I could do a spot of ironing, make a nice apple crumble too!

 

 

That is how i wish things happened more often, gone are the days you can cuts some ones grass on saturday for a small roast on a sunday.

Like My nieghbour when i was growing up.

 

Good old labour exchange.

 

BL

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