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
      • 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

Article in Daily mail today 01/04/2006


maestro451
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6685 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

There was mention of it in another post yesterday - a board member saw an article, I emailed the journalist, and he told me to look at todays paper (very kind of him...)

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=3173

:rolleyes:

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.

Link to post
Share on other sites

It was also mentioned on BBC news this morning 0718 HRS, with one of the editors of Which magazine and some wally from a bank. Which are encouraging people to follow the step by step guide in their online mag to take banks to court to recover charges. Not very informative compared with this site, but they are interested in people who have taken court action to get in touch. Hopefully this will generate more publicity.

Cheers

Dave.

Link to post
Share on other sites

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

Link to post
Share on other sites

 

That's a different article, this is the one being refered to:-

 

 

 

Daily Mail Saturday April 1st 2006

 

BANKS MUST STOP £750m CREDIT AND OVERDRAFT RIP-OFF

By Sean Poulter

Consumer Affairs Correspondent

 

The big banks are to be ordered to slash charges on credit cards and overdrafts in a move that will end a rip-off totalling more than £750 million a year.

 

The Office of Fair Trading has decided the charges, which run from £20 to £39 at a time, amount to an unfair penalty on millions of Britons.

 

The watchdog is expected to introduce a cap whcih could bring them down to £15 or even £10.

 

The OFT has concluded that the charges are unfair under the Consumer Contract Regulations 1999, coupled with case law dating back to 1914.

 

These state that charges must be proportionate rather than used as a penalty to punish delinquent customers or a ruse to boost profits.

 

The OFT has been spurred into action by complaints from angry consumers and the fact that finance giants have imposed dramatic increases in these charges.

 

Over the last two years, credit card late payment fees and those covering overdrafts and bounced cheques have gone up by 40%. However, it appears the tide of rising charges is finally about to be turned.

 

City analysts estimate the cap on fees would cost RBS-Natwest, Barclays, Lloyds-TSB, HSBC and Halifax-Bank of Scotland a total of £750million if it is set at £15, £1.2billion at £10 and £1.65billion at £5. Clare Whyley, of the National Consumer Council, described the current charges as 'completely unreasonable'.

 

She said: 'They are a penalty and a punishment, rather than a true reflection of the bank's costs. That is not acceptable.

 

'These charges should have come down because of the increased automation in the banking system, but in fact they have gone the other way. We would be really pleased to see a system where charges are a true reflection of costs.'

 

Miss Whyley said the big five banks, which delivered record profits of more than £31billion last year, are not in a position to plead poverty. She added: 'The charges hit people when they are at their most vulnerable. Someone might only go £1 overdrawn, but they are then hit with a fee of more than £30.'

 

Consumer group Which? said: 'The reality is that these bank charges are illegal and unenforceable.'

 

It is to name and shame high-charging banks by slapping 'Asbos' - Anti-Social Banking Orders - on the worst offenders and claimed the banks are 'scared to death' at the prospect of having to cut charges.

 

The move by the OFT comes as individuals are using the same law to win refunds totalling thousands of pounds at time.

 

The big banks are on the back foot. Over the last few months they have been offering refunds to angry customers rather than attempting to defend the punishing charges in the courts.

 

The OFT has been investigating the rip-off charges for 18 months. It will announce a final verdict on Wednesday with a view to forcing the banks to slash fees, either through the courts or the Competition Commission. The process could take anything from a few months to a year.

 

The banks have rejected claims that charges are 'excessive'. They say they reflect costs and can be easily avoided if customers manage their accounts properly. They have threatened to challenge any cap in the courts.

 

Insiders suggest they will attempt to introduce other charges, such as an annual fee on credit cards or higher interest rates, to cover any reduction in penalty fees.

Link to post
Share on other sites

James - you pipped me to the post! The URL points to the article that prompted me to contact the journalist, who then gave me advance warning of Saturday's article (referred to in my previous posting...)

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.

Link to post
Share on other sites

Read the thread on the radio 5 interview with Which? and Which?'s new campaign

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6685 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...