Announcements

Tweets
- Just now
- Just now
Posts
- ECP ANPR Lease CAr PCN - MFG Esso Cobham serv station A2 Trunk Road, Cobham DA12 3BH
  
  By dx100uk · Posted 2 hours ago
  
  who gave you the NTH? who was it sent to? thread title updated dx
- Letter Of Claim for death of cat now Court Claim received.
  
  By dx100uk · Posted 2 hours ago
  
  blimey CAG gave all that FREE help over +6mts and +100 posts and they never even bothered to comeback...
- MET CCTV PCN - Occupants Left Carpark - Starbucks (closed) 346 SouthGate Park, Stansted, CM24 1PY
  
  By FTMDave · Posted 2 hours ago
  
  I would guess so dx which is why I've asked the OP to upload the original invoice.
- MET CCTV PCN - Occupants Left Carpark - Starbucks (closed) 346 SouthGate Park, Stansted, CM24 1PY
  
  By dx100uk · Posted 2 hours ago
  
  ps i doubt the PCN says macdonalds?? MET dont operate a reverse trespass car park for mc'd's parkers going to starbucks...(occupants left vehicle claim) they only do that for the starbucks part i bet you parked in the starbuck side and walked to MCd's? dx
- Letter Of Claim for death of cat now Court Claim received.
  
  By FTMDave · Posted 2 hours ago
  
  Any update here?
Recommended Topics
- 13
  
  Capquest/resolvecall Text message - old MBNA Card debt well SB'd!! - but i've moved around
  
  HappyDay2222 · Started March 3
- 3
  
  capquest/Opos limited letter on old MBNA account
  
  JT2002 · Started September 18, 2023
- 25
  
  Idem/hoist/lowell (2nd MBNA credit card) debt - lowell refund letter
  
  blondiegirl · Started October 19, 2019
- 54
  
  Arrows/Carter CCJ - old MBNA Virgin Card
  
  tedney · Started November 27, 2009
Our picks
- If you are buying a used car – you need to read this survival guide.
  
  BankFodder posted a topic in Vehicle retailers and manufacturers, January 30
  If you are buying a used car – you need to read this survival guide.
  
  1 reply
  Picked By
  BankFodder, January 30
- Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
  
  ATJ posted a topic in Vehicle retailers and manufacturers, January 19
  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
  Picked By
  BankFodder, January 24
- A2Dominion - Housing Association property flooding - damning ombudsman report
  
  WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues, August 4, 2021
  Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
  
  161 replies
  Picked By
  WanTToMoveOn, December 24, 2023
- Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available
  
  BankFodder posted a post in a topic, November 30, 2023
  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
  Picked By
  BankFodder, November 30, 2023
View All
Recommended Topics
- 13
  
  Capquest/resolvecall Text message - old MBNA Card debt well SB'd!! - but i've moved around
  
  HappyDay2222 · Started March 3

Twitter X - Include the @company's twitter name in your post title – here's why…

The UK Stands With Ukraine - 'Slava Ukraini'

Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Challenging monthly statements

By unredacted
October 5, 2011 in MBNA

Followers 0

Search posts by...

style="text-align: center;">

Thread Locked

because no one has posted on it for the last 4585 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

unredacted

Posted October 5, 2011

- Share
#1

Posted October 5, 2011

My monthly credit card statement tells me amount owed and interest charged but does not break down the interest, for instance, there are varying rates of interest for cash, card purchases and retail but the different rates are not itemised to show whats being applied to what. If I am not told what rate is being applied to each purchase how can anyone calculate if the bank is on the fiddle or right. Can this be challenged each month or is this a prescribed format in the cc act 1974?

I'd like to challenge each statement as it comes in if nothing else but to delay payment.

Thanks

Link to post

Share on other sites

citizenB

Posted October 5, 2011

- Share
#2

Posted October 5, 2011

Which company is this! I thought they had to itemise the interest into cash, purchase and balance transfers?

Have we helped you ...? Please to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D