Jump to content


  • Tweets

  • Posts

    • Thank you for your message.  I'm concerned that by complaining to the IPC, and escalating the situation, PCM would be even more inclined to cause problems for me and take action to the fullest extent just to make an example of me.  I can still take the above action as a backup plan if PCM decides to go ahead.
    • Mr BankFodder you are a top man.   I just received email below and finally they accepted fully refund   Good Afternoon,   Thank you for your recent email.   We are sorry to hear of your recent troubles, we would be happy to accept rejection of the vehicle.   The amount of the refund to yourself will be £7,099, this alongside settlement of the finance agreement will be paid in full and final settlement.    By accepting this refund you are confirming that no further claims shall be brought against Big Motoring World or any of its associates in respect of this matter.   In order to proceed with the refund we require the following from yourself:   - Your bank details (Account holders name – this must match the invoice name, sort code and account number)   The bank details can be provided via email.   The refund will be processed within 14 days.  
    • How do I transfer my number plate V750? Transfer by post Check the expiry date on your V750 or V778 to make sure it is still valid. Ensure that the registered keeper for the receiving vehicle matches the Grantee or Nominee name on the certificate. Complete relevant sections of your V750 or V778 document and sign it where instructed. https://www.gov.uk/personalised-vehicle-registration-numbers/renew-private-number-certificate  
    • i know...the anpr camera mustve triggered the computer to send out a parking charge as it probably detected no parking ticket paid. disgusting way of trying to extort money
    • Good to hear OldGAl well done topic title updated.   Andy
  • 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
      • 161 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

Unplanned Overdraft


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

Thread Locked

because no one has posted on it for the last 3968 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

Hi guys, I am not to sure where I stand with this at all.

 

I had an account that was always in credit until I had lost my job and met a psycho ex girlfriend, and then things spiraled down from there..

 

My bank account went into an "Unplanned Overdraft" only a small amount - and I just buried my head in the sand about and completely ignored it.. After awhile I completely forgot about the account as I had no correspondence from them at all.. Now I have a new job and away from my ex I wanted to get it sorted but to find that my account was £-800!! When my first wages got put in there it all got swallowed up, I rang them up and explained and they set up a payment plan of £200/month..

 

Is this right? It seems a bit excessive to be £-800 because of going overdram by a matter of pounds?

:-D:-D:-D:-D
Link to post
Share on other sites

Who is the creditor? and also did you deal with the bank collections directly?

Can i make a suggestion... Do everything in writing with them and also make sure that you dont put yourself into financial hardship :) (IE dont let them bully you)

Link to post
Share on other sites

Lloyds? dont even go there, ive lodged complaint after complaint after complaint about their collections team... Rude, Vile, And Arrogant ... thats them to a Tee :(

Have you set up a temporary overdraft with them for the amount and reduce in monthly installments?

Link to post
Share on other sites

Yeah thats exactly it!! They have put it as a temporary overdraft and I lower the amount by £200/month..

 

So what are you saying that I should just pay back the money and not bother or is there something I can do.. Its more the moral of it it really not the monetary value..

:-D:-D:-D:-D
Link to post
Share on other sites

Pay it back... but do it at a lower amount per month, £200? per month? It sounds like they are taking you for a ride :/

Amend the payment plan with them and be firm.... they are taking you round the fields :/

 

Also if you were to do it like that you'd clear it off in 11 months. ....(£75 per month and gives you extra income to sort you out and stop you from hitting the wall :)

Link to post
Share on other sites

I would add that you might want to get another bank account and divert your wages into that account to protect them incase you're pressured into an unmanageable plan x

 

I was also just about to mention that :) , i think he should do both;

 

- Amend the payment plan

- Set up / Use an existing account outside of the Lloyds Umbrella (Halifax , Bank Of Scotland.... etc) to prevent offsetting funds... :?

Link to post
Share on other sites

What charges have been added to this account?

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

I never had an overdraft whatsoever - but then i went into the 'Minus' of about £30 and the rest is all bank charges. So I assume it was an unplanned overdraft that has just got bigger and bigger..

:-D:-D:-D:-D
Link to post
Share on other sites

The Lloyds rule is a £6.00 overdraft fee per month and a MAXIMUM charge of £80.00 per month. Your problem was burying your head in the sand and ignoring any letters. Ask for a breakdown of all the charges made then negotiate a settlement. They are very sensitive to complaints as they have had far too many and been fined again and again by the regulator.

Link to post
Share on other sites

  • 3 weeks later...

No it hasnt defaulted.. This had originally started from me going £3 overdrawn in Sept 2011 and the rest is charges - i have now paid off £200 so it is at -530 or near there!!

 

I just think that this is abit unnecessary as it was from going overdrawn £3.. I had lost my job which is the reason I couldnt pay the overdraft off in time...

:-D:-D:-D:-D
Link to post
Share on other sites

  • 4 weeks later...
No it hasnt defaulted.. This had originally started from me going £3 overdrawn in Sept 2011 and the rest is charges - i have now paid off £200 so it is at -530 or near there!!

 

I just think that this is abit unnecessary as it was from going overdrawn £3.. I had lost my job which is the reason I couldnt pay the overdraft off in time...

 

Lloyds TSB doesn't charge anything for going up to £10 overdrawn whether its into a planned or unplanned overdraft :???:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...