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    • Did you send them a letter of rejection? You're still within 30 days and you should have done this. I emailed them with the details and advised them they need to refund the vehicle as it's within 30 days.They replied stating that they are not going to do anything. So I have had my response already. Ill address your other questions shortly.
    • We don't often advise appealing a PCN, it's true. It's too easy for people to out themselves as the driver and make things more complicated. We might suggest writing to a large supermarket chain or a hospital in your case, but rarely to the PPC. It isn't in their interests to allow appeals, they don't make any money then. HB
    • Can you tell us more about the car. Make, model, price paid, year blah blah blah. Please can you upload your claim form in PDF format. Was the castle with an MOT? What date was MOT? Who gave it the MOT? You have issued the claim – when did you issue it/when is the return date? How did you pay for the car? What other losses have you incurred – insurance, repairs, et cetera? You've been here since 2015 – and am curious to know why you didn't come here first before you started getting into formalities with them. You have a responsibility for the vehicle. However I would indicate to them that you are going to be charging him storage from the date that you first tried to return it to them and they refused. Did you send them a letter of rejection? You're still within 30 days and you should have done this. You say that you bought the car on 9 July. What they did you issue the claim? You should have implemented the pre-action protocol of giving them 14 days notice before you issued the claim. It appears that you haven't done this and this could pose a problem for you if the matter is raised in court. Why didn't you send them a letter of claim giving them 14 days? Please can you go to these questions carefully and address each one  
    • So, is frightened farage in westminster doing his utmost for his constituents ? or has he naffed off to suck up to the republicans in the US?   No prizes for guessing.   Nigel Farage defends flying to America to support Donald Trump as MPs debated King's Speech in Parliament CA.NEWS.YAHOO.COM The Reform UK leader was in Milwaukee, Wisconsin, where the Republican National Convention is being held   Someone check his UK expense claims
    • BTW do you think i need to include the Blue Badge or PIP letter or anything to do with housing in order to evidence my partner's disability or are the witness statements enough?  These can be easily added I just don't want a bunch of private health related documents in the public domain as you can imagine.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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      Many thanks 
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    • 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.
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      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
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Santander collection agents coming to my house


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I received a letter from Santander a month ago saying that I need to contact them urgently as i had an unarranged overdraft on my account of £110.

 

I hadn't used this account for some time and had received nothing prior to this letter.

 

I wrote to them asking why I was overdrawn and explained that I hadn't used the account.

 

I get another letter a week later saying that the overdrawn balance was now £200 odd.

 

I haven't used the account so don't know why it's overdrawn.

 

I write to them again saying that I want statements of the account to show the transactions and confirmed again that I have not made any transactions.

 

Next thing is on sat I get a letter saying that my account is now £300 odd overdrawn and they are sending an agent to my house on Friday 13th April.

What do I do?

 

I have no idea why I'm overdrawn as haven't used the account and despite asking for details,

 

Santander haven't told me.

 

I'm so scared

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You should write under the heading of OFFICIAL COMPLAINT - send it to their head office either by recorded or special delivery.

 

They are obliged to respond within 8 weeks - if they dont respond satisfactorily or dont respond at al then you will be able to take your complaint to the ombudsman.

 

You need to write a factual account of what has happened to you so far at the hands of the bank - bullet point fashion. You should also decide what you want the bank to do to make things right for you. Not least of which should be an apology.

 

IF anyone arrives on your doorstep from Santander or 3rd party agency.. simply ask them to go away. They are not entitled to just turn up without an appointment and it is assumed you have no intention of making one.

 

There is a "Do not visit me" draft letter in the CAG library.. I suggest you print a copy off, keep it by your front door and hand it to anyone who has the stupidity to breach OFT guidelines and knock on your front door :)

Have we helped you ...?         Please Donate button 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

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Firstly your milkman has more power than a collector, so don't be afraid, it (if it turns up) will be just an ordinary citizen the same as you. I wouldn't try puting them off from calling, and if they do, then when you answer the door, you can say, "have you brought proof of this so called overdraft?" if he says no, then just shut the door on him if he says yes, then take them and then shut the door on him.

 

They aren't bailiffs or court officials, they are just nobodies who will get a commission if they can get you to part with some money.

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Santander are using the clowns from Westcott

to do their dirty work on collections.

Also they are very quick to add over limit charges

almost on a daily basis, so if they were to default

this Account it's open to challenge as the default

sum is in the majority made up of charges.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I have rung santander today as im getting nowehere with letters. I am £340 odd pound overdrawn all because of a returned direct debit. Im in tears here. There was an old direct debit set up on my account that i had forgotten about. It was for £22 and it kept getting presented and then returned (as i havent been using the account). I was charged £25 each time the direct debit was returned. This then made my account overdrawn and so i was charged overdrawn fees... santander eventually cancelled the direct debit in march as it was repeatedly being returned. I am now £340 over drawn - all charges. What on earth am i going to do? i have no way of paying that money back. How can they possibly charge £340 in fees. I never received any statements or anything from santander to warn me of what was happening - until the one i got saying i am Overdrawn. Please please help

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I have advised what you need to do in.. post # 2.

 

You could add in to the complaint that as you had not been receiving statements you were unawares that there was any debt building up.

 

I am afraid you will get absolutely no where by telephoning them and you will simply be stressing yourself further. Once you have an official complaint in - all collection activity should cease while it is being investigated. If the outcome is not to your satisfaction then you should take your complaint to the Financial Ombudsman.. but you cant do that until such times as you have made an official complaint and you have received a final response from the company.

Have we helped you ...?         Please Donate button 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

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