Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Correct default proceedures


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

Thread Locked

because no one has posted on it for the last 4890 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 there.

 

I have an account in dispute and I wanted to find out some more information.

 

Basically I am questioning whether or not correct proceedures have been applied to the withdrawal of an overdraft facility and subsequently my bank account.

 

I don't think the letters they have sent up till now follow the correct proceedure.

 

I remember ages ago seeing a thread where it specifically states what documentation needs to be provided by the bank and in what format but I cannot find it anywhere now.

 

does anyone know anything about this or can provide any more information please?

 

The proceedure for my account went

 

requested CCA-no contract provided

Put in a claim for bank charges

Case on hold pending court findings

Warning that overdraft would be taken away in one month

further cca requested no contract provided

overdraft taken away

Demand for payment

Final demand for payment

Account passed to DCA

Account passed to dg sols

Court case finished-

Bank account closed with no notice or documentation

Account still in dispute

Link to post
Share on other sites

  • 4 weeks later...

If they cant give you a CCA then theres no debt! Ok do this

Write to the complaints dept for the bank and tell them that no CCA was provided (your account should have a CCA but no documents needed other than interest rate for overdraft) and demand removal of the adverse information from all CRA's and quote the date of your last letter and state they had to reply by law within 40days. If you demanded the CCA/SAR following the procedure and included the fee then they wont argue much and should close it. The warning that they gave you (recall notice) is the only thing that they need to send you to close the account and nothing after that.

˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

Link to post
Share on other sites

Hi there.

 

In their last letter to me, they have said to me that there is no written agreement for the OD, but are still pursuing me via DCAS. I have sent a complaint to the FOS recently. Also there is no facilities letter.

 

Regarding the clsoing of the account-there was no recall notice-and have never been notified of the closing of my account, only the OD.

Link to post
Share on other sites

Send a complaint to the bank and state that you have made a complaint to the fos

˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

Link to post
Share on other sites

Hi mate.

 

Well when they threatened me with court action, I did send a letter to HSBC detailing all my complaints which they in essence do not care about-but have done so again with the FOS.

 

I guess what I was really after was what the penalties were for a bank clsoing your account without notifying you?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...