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

CITI/OPUS late payment via faster payment from bank!! HELP please!


Recommended Posts

I had a credit card with Citi Cards for a few years, no great problem

- low balances no great issues on payments etc.

I was informed by Opus that they were taking over the account from Citi and all payments and contact had to be directed to them.

My first payment was due in December 2010 and was a few days late because I had to set up the payment details with my bank

however they did not make any charges for this 'late payment'.

My second payment was due on the Bank Holiday Monday for New Years Day which was the 3rd January 2011,

I made a 'Faster Payment' via my online banking on Sunday 2nd and I was advised that the payment had been received by Opus' bank,

however my payment was not credited to my account until 4th January - a day late and of course they presented me with a £12 late fee.

I contacted them shortly after receiving my next statement detailing the fees

and spent close to 30 minutes on my mobile 'phone talking to several undesirables about this and they all refused to budge.

 

My bank, Halifax,has confirmed to me in writing that the payment was made successfully. Ironically both Halifax and Opus are within the HBOS group!

 

Subsequently, I have made all my minimum payments to them LESS the £12 fee and LESS the £12 below minimum payment fees they have given me every month since!

 

I have put my case to the FOS and they have responded that OPUS is not required to refund the charges,

with no explanation of their decision whatsoever. I plan to take this matter further, but how?

 

How do I stand on this one guys?? Any advice is appreciated.

Edited by JohnnyPacket
Grammer
Link to post
Share on other sites

Hi

 

Welcome to CAG.

 

Have a read around the bank forums....there are many many threads concerning the claiming back of unlawful charges on cards.

 

This one in the Barclaycard forum is a start to finish account.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**

 

Be aware that you may actually have to go to court to get these charges back.

 

ims

 

Link to post
Share on other sites

  • 9 months later...

Following my recent request to OPUS for a true copy of my CCA (originally with The Associates then CITI), I received the attached response which I fear is cleverly worded! Can anyone with a legal eye tell me what it really means please??

CCF12072012_00000.pdf

Edited by JohnnyPacket
Link to post
Share on other sites

OK thats reconstituted agreement, how old is this debt?

What was the date of the last payment?

Does it show on your credit files?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

The debt is from my credit card which was taken out with the Associates in 2001 I think.

 

My last payment to them was last month (minimum payments have been made since they took the card over from CITI and cancelled it almost immediately!

 

I have had a long running saga with them over a 'late' payment, therefore I have had several other late or insufficient payment notices

therefore I believe that it is definately on my credit file although I have not checked it.

 

I have other pages which were sent with this letter if you need to see them.

Link to post
Share on other sites

get reclaiming

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

where the agreement then?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...