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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.

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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.
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      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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Woolwich/Barclays tried to stitch me up!!!!


paulwlton
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3 weeks ago I asked for a redemption statement so I could repay my mortgage. The first statement that sent included £195 final repayment charge an interest payment that I couldn't understand how it had been calculated and a monthly payment that had not been credited to the account.

 

I questioned these and was told that Id agreed to the final repayment charge when I took out the mortgage and the interest payment was calculated pursuant to terms id agreed.

 

The next redemption statement was correct save for the interest Of £84 and the £195 fee. I took issue with this again but got no where.

 

I rang the FOS and they contacted Barclays and registered a complaint. Ive just spoken with their complaints dept and they now acknowledge that my mortgage offer did not include a repayment charge and they have failed to justify the £84 interest they've debited and are now saying the two redemption statements were just for illustration purposes.

 

I accused them of Fraud pursuant to section 2 Fraud Act 2006.

 

I await their next response.

 

Naughty, naughty.

 

Regards

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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3 weeks ago I asked for a redemption statement so I could repay my mortgage. The first statement that sent included £195 final repayment charge an interest payment that I couldn't understand how it had been calculated and a monthly payment that had not been credited to the account.

 

I questioned these and was told that Id agreed to the final repayment charge when I took out the mortgage and the interest payment was calculated pursuant to terms id agreed.

 

The next redemption statement was correct save for the interest Of £84 and the £195 fee. I took issue with this again but got no where.

 

I rang the FOS and they contacted Barclays and registered a complaint. Ive just spoken with their complaints dept and they now acknowledge that my mortgage offer did not include a repayment charge and they have failed to justify the £84 interest they've debited and are now saying the two redemption statements were just for illustration purposes.

 

I accused them of Fraud pursuant to section 2 Fraud Act 2006.

 

I await their next response.

 

Naughty, naughty.

 

Regards

 

 

Ive had fun with mortgage companies in the past lol.

 

http://www.mirror.co.uk/money/personal-finance/man-of-steel-has-won-on-penalties-461858

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Just spoke with a media contact who is extremely interested in this. Watch this space.

 

Regards

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Hi Paul,

 

We'll be watching to see how this unfurls.

 

:-)

We could do with some help from you

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Hi Paul,

 

We'll be watching to see how this unfurls.

 

:-)

 

when I initially challenged them they said the fee would have been included in "your mortgage" offer and therefore contractual. When I told them I've got the original from 2002 and there were no provision for a am early repayment and/or an interest charge they said it was mandatory. I've asked the complaints team to listen to the recoded calls and I've asked for copies.

 

I have no idea how the final interest charge has been calculated and the person in complaints didn't have a clue either. 😂

 

Regards

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Hi Paul,

 

....... and the person in complaints didn't have a clue either.

 

No surprises there, then !!

 

But it's terrible, what they tell you, assuming you have no proof from way back when or that you would not be inclined to challenge them in the way you have.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi Paul,

 

 

 

No surprises there, then !!

 

But it's terrible, what they tell you, assuming you have no proof from way back when or that you would not be inclined to challenge them in the way you have.

 

According to Barclays their system automaticaly includes all historical charges in redemption statements even though in lots of cases the mortgage offer doesn't include one.

 

The question I asked is how many people have been charged this (system error) when they shouldn't have been.

 

Im informed they'll respond in writing once they have sought advice because theres now media interest.

 

Regards

PW

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Received the banks response. The banks system is set up to charge every customer an exit fee when they make the final payment notwithstanding the original offer may have not included a fee........very naughty!!!!

 

 

 

The case will feature in the National press a week on Wednesday.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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When I settled my Mortgage Paul with Yorkshire Building Society..I too was charged an " Admin Fee " it was only £100 or so but not sure exactly what it was for.....Postage for return of the Deeds?

 

Andy

We could do with some help from you.

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When I settled my Mortgage Paul with Yorkshire Building Society..I too was charged an " Admin Fee " it was only £100 or so but not sure exactly what it was for.....Postage for return of the Deeds?

 

Andy

 

Why haven't you claimed it back. I claimed the fee back on my old mortgage as it should only represent the cost of closing the mortgage.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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When I settled my Mortgage Paul with Yorkshire Building Society..I too was charged an " Admin Fee " it was only £100 or so but not sure exactly what it was for.....Postage for return of the Deeds?

 

Andy

 

Andy, its estimated that the true cost of closing a mortgage is £35.00

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Andy, its estimated that the true cost of closing a mortgage is £35.00

 

I realise so Paul..Im good at advising others...and not so effective with regards myself:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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The Woolwich has hitherto failed to explain how the interest was applied and whether it was applied pursuant to the original terms and conditions. They agree that the statements provided are neither clear nor transparent. I await their further response.

 

PW

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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