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    • Thank you. If you look at the policy objectives outlined on page 3, I think that there is nothing there which indicates that a consumer is obliged to accept the Consumer Rights Act as an alternative to normal contractual remedies. The consumer rights act, in my view, operates to protect the consumer – and only the trader in a limited way in that it sets a time. For rejection of goods and receiving a complete refund. My understanding of the Act is that it works hand-in-hand with ordinary contract law and does not replace it. It simply clarifies certain remedies – but you can still avail yourself of all the normal remedies which exist in the common law of contract. If you bring a claim then frankly I don't see any point in particular referring to the 2015 Act. You have been supplied with a defective item – it amounts to a breach of warranty – especially because it is a non-fungible item and therefore it you are entitled to insist on damages to put you into the position that you would have been if the contract had been carried out correctly and without this breach. I don't see any difficulty in bringing this claim in a court, if necessary, as long as you have the quotations and the assessment of the dog that it does indeed have this dental problem. I've already said that when this dental problem became discernible is irrelevant in terms of an action against the breeder. It is relevant in terms of an action against Vets4Pets 
    • P.40/41 - C. Tier 2 Remedies – reduction in price or reject/refund C. Tier 2 Remedies – reduction in price or reject/refund   Again, I'm not an expert and just doing my best with the research I've done. Happy to be corrected / questioned.   Thanks
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    • @BankFodder Re the 'letter of claim' you're absolutely right, I'm sorry, that was a lazy question from me. I'm feeling the fatigue from the stress of this. I'll look it up.   In terms the comments I made about a replacement - I've read this document  (see link below) and it seemed to suggest that I'd need to prove that finding a suitable alternative would provide us with 'significant inconvenience', in order to legitimately refuse the refund. Happy to be corrected.   I know it's horrible to talk about replacements when thinking about living things, and as I said above we are keeping our puppy and committed to paying for the necessary treatment.   I was, however, trying to prove that a return and refund isn't an acceptable course of action for us. Hope this makes sense.   - https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/274834/bis-13-1360-consumer-rights-bill-supply-of-goods-impact-final.pdf  
    • Hi all, Can I quickly check something with yourselves. I've finally been able to pick up all the correspondence she's received and I have a question. There is no "Notification Of Default Fees Charged" letters. am I right in saying that where a Default Charge/Fee/Penalty has been applied they should also provide a notification of the this and not just have it on the statement?  
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majorclanger100

A tale of RBS charges

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It is very good to see that those poor bankers at RBS are getting bonuses totalling £950m despite making a loss of £1.13bn - we really aren't 'all in this together' are we, Mr Cameron?!

 

Here is an illustration of bank charges being levied at a ridiculous level. I am lucky not to be in financial hardship, but it is pretty easy to see that for someone where money is really tight this sort of shennanigans could totally destroy their finances (as Woolwich did to me six years ago).

 

In October 2009 I stupidly agreed to sign up for a Natwest Advantage account - you pay a flat charge of £12.95 a month for this account which comes with some benefits like insurance, etc. I didn't use the account for a while, as I stuck with our joint account, but paid the monthly fee on time just to maintain the benefits.

 

In January 2010 I miscalculated the monthly fee due and underpaid it by £2.50 - i.e. I was overdrawn for the grand total of £2.50 for a few hours until I realised my mistake and paid in money to correct it. I rang Natwest and was assured there wouldn't be any charges.

 

The next month Natwest applied a £35 charge - this meant that there weren't enough funds in the account for a cheque for £20 to clear, so further charges applied. I paid in enough money to cover the £35 charge and ensured there was enough of a balance for the cheque to clear. I rang Natwest and once again they said no further charges would apply.

 

You can guess the rest - Natwest have continued to pile on charges, despite telling me they weren't going to. I have paid the monthly account charge without fail, but due to the penalty charges the account is now £389.00 in arrears. Natwest have told me they are now applying a £6.00 charge per day. All this for a £2.50 unauthorised overdraft for 3 hours!!!

 

We have paid billions of pounds in taxpayer support to bail out these immoral scumbags, yet they still fleece the British people at every opportunity and are as smug as they ever were, despite creating an economic crash which has left the country ruined and many people in financial hardship from which they might never recover. I deal with bankers in the City on occasion and there is little doubt that many take pleasure from the situation - they feel they have got away with it and the 'little people' will always pay for their stupidity and greed.

 

Due to the actions of Natwest I have moved my joint account, car insurance, and business accounts from them - this has cost them far more than the £389 they are trying to fleece me for. I am also pursuing a mis-selling complaint against them for misadvising me about the benefits of the account, which is also likely to cost them.

 

I wish the best to all who continue to struggle in this economic climate and let's keep fighting the banks to ensure that this type of legalised robbery cannot continue. It's all down to the Govan Law Centre and their brave stand now!!!

 

MC


WOOLWICH -S.A.R - (Subject Access Request) sent 03/03/07 :cool:

LBA sent for non-compliance with Data Protection Act 28/04/07 :mad:

 

ABBEY - S.A.R - (Subject Access Request) sent 03/03/07 8)

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