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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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      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
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Reclaim Packaged account fees


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Having successfully reclaimed PPI for son-in-law from both a loan and credit card from these chancers now I would like to reclaim the packaged account fees they fleeced from him over the years.

 

Have all the information for claim from a SAR - appears to have have one for years with the fees increasing over the years - no letters or information in the SAR relating to benefits/selling process - was just told and accepted he need one - was very naive financially and has paid lots in fees over the years - all under control now with help from CAG.

 

I would like to know which spreadsheet to use. In addition any links to threads or information relating to reclaiming would be greatly appreciated - have looked at the FOS case studies which are somewhere on the site.

 

Thanks in advance, Intend.

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Hi there

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?434075-Natwest-gold-packaged-account-fees-reclaiming-**WON-%A31100!!**

 

That thread looks recent enough for a guide in general for reclaiming. There is link to a spreadsheet there as well.

 

Feel free to reed through the won threads in the sub forum for ideas. Ask any questions here

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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I'm using the ppi spreadsheet I think and intend to use the overdraft rate at the time which was around 28.9% from memory. I don't have access to my lappy at the mo but will confirm this over the next day or 2.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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I am using the same, however have a huge query.

 

I am not sure what interest rate to charge - the 8% standard rate or the rate charged by the bank on the overdraft as lots of fees/interest on the account some of which must be attributable to the fees charged on the packaged account.

 

Intend

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The rate the bank charged you as that is what you paid and need to claim back. I suspect it's somewhat more than 8%.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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FCA view Intend

 

A summary of the key new rules we consulted on in CP11/20 and which this consultation paper provides feedback on were:

 

  • a firm must take reasonable steps to establish whether the customer is eligible to claim under each policy and inform them whether or not they would be eligible to claim.
  • a firm must provide the customer with an annual statement that sets out any qualifying requirements to claim under each policy and remind them to review whether they meet these requirements.
  • the steps a firm must take to ensure the suitability of its advice on a policy included in the package.
     
    FOS sadly state that 8% is the accepted rate for package reclaims, regardless of the rate you were charged
     
    However nothing to stop you asking for the rate you were charged

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Would agree but cannot find the rate of interest charged on the copy bank statements.

 

Total fees charges from 2001 until stopped in 2010 is in excess of £1300 plus the interest. At start the account was a Select account but changed over time to Platinum, Premier Plus and lastly Premier Vantage - can find nothing in the SAR relating to these.

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I think they will only pay at the accepted FOS rate anyway

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks oldrouge - take it the FCA guidance can be grounds for mis-selling of the account - have that page saved on desktop as well as the case studies from the FOS.

 

Need to get my head around the reasons for mis-selling as do not want to give them an excuse to diss the claim. Any advice on this welcome.

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View from the fos--use whichever applies to your claim

 

Figures show how the Financial Ombudsman Service has seen complaints about packaged accounts soar by 155 per cent in the past nine months. It is now receiving dozens every day. And it is finding in favour of customers in eight out of ten cases.

 

The Ombudsman says most of the complaints are about the way the account was sold. Many did not even realise they were paying for a packaged account as they had been ‘upgraded’ without being told.

 

Some had been misled into believing a fee-charging account was their only option or were told they had to take it out to get the loan or mortgage they wanted.

 

Others were lured into forking out for insurance policies only to later discover they were ineligible to claim on the cover they were paying for

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks oldrouge - food for thought in your post.

 

Will claim with the 8% I think, but ask for additional refunds due the account being o/d as a result of the fee. Complicated but can only hope something comes of this side of the claim.

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Anyone got an address for Lloyds re reclaiming packaged accounts??

 

This is the only one I found...

 

Customer Care

Lloyds Bank Insurance

Tredegar Park

Newport

NP10 8SB

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You could always send / take it to your branch and ask them to forward it to the relevant office if they can't deal with it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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  • 3 months later...

Any update intend?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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  • 2 months later...

Sorry for delay busy with other debts

 

About to try to put a watertight case and am looking for any details on the following packaged accounrts

 

Select - from Sept 2001 to June 2006

Platinum from July 2006 to Jan 2007

Premier Plus Feb 2007 to Jan 2009

Premier Vantage Feb 2009 to May 2010.

 

Any help in tracking down details of what these odffered would be gratefully received. About to trawl the net. I want to make it clear these accounts were unsuitable and contributed to ongoing financial problems and overdraft fees.

 

Intend

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  • 7 months later...

Hi intend.

 

If you still need info I've found a letter dated February 2005 with "Important Changes to your Select current account".

 

It states that you'll get:

 

1. Improves Lloyds TSB Select Home Shopping Service - gives minimum of 10% discount off in-store electrical goods at various stores for branded electrical goods when you spend £50 or more.

 

2. 6.5% discount on holidays booked through Lloyds TSB Travel Service.

 

3. Improved Mobile Phone insurance - cover to include loss increasing from £45 to £95.

 

4. New Sentinel Card Protection

 

5. Same AA Breakdown Cover worth £66 a year.

 

I'm not sure if it will help you, but if you want a scan of it I'll email it to a member of the site team to forward to you. :)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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  • 1 year later...

Hi all

 

Had a few issues to sort out over last year. A loan has recently become SB, so think I now have the energy to carry this forward in the next few months.

 

The SB loan had PPI on it - not sure whether I should pursue this or not. Advice welcome.

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