Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • 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
  • Recommended Topics

I am a newbie!Help with Bank Charges.needed


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6366 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

I am new so I am not sure if I am even posting in the right place!

So apologies in advance if I am!

I am trying to reclaim my bank chargges and need some help please.

I know you can claim for 6 years so is if I send my request say 27th of November can I only claim from 27th November 2000 or is it the whole of November 200 onwards.

I have had a list oif all my charges but I am not sure how I include a schedule of charges with the letter requesting a refund.Do I just list them with date and ammount as they appear on my statement.

Hope I have explained ok.

Thank You.

Jackie.

Link to post
Share on other sites

welcome MIJ

firstly don't worry, you'll get lots of support on here.

The first thing you should do is to read over this

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

 

you'll find lost of answers to your questions here.

 

And secondly go in to the section for your bank and start a thread with your own title...for instance MIJ v ( your banks name)

and then we can follow your claim and support you through it.

Read some of the threads in your banks section to get an idea of the time line for the claims and you'll see where everyone is up to.

Good luck

Freebird ( I'm in the Lloyds section )

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

Link to post
Share on other sites

Yes the 6 years go from the date of your first letter, although not all the banks pick up on this

 

Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits and print out as your schedule of charges.

Link to post
Share on other sites

Thank you.I will start a new thread I am wilthe Halofax.

I am in Wales and not sure which spread sheet to use as this bit has made me panick incase I do the wrong thing.

If you send the bank a letter before you have given them time to pay up (and are not claiming contractual interest), demanding the statutory interest of 8% APR they will know that you do not know what you are doing and this will more than likely end up with you NOT getting your money back.

 

I am not claiming interest as I am only at the second stage and am I right in thinking you only add interest if you are going to court.

Also my charges add up to nealy £8,000.00! So small claims will be out for me.

Link to post
Share on other sites

When you open the s/s don't delete the existing figures

 

Just overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

When you've entered all your charges save it on your computer since you will need this for use later when you file at court.

 

Then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

  • Haha 1
Link to post
Share on other sites

Hi,

 

I new too... well, I have not posted anything before... I have claimed refund for my bank charges and Barclays have offered me half of the total amount!

I'm now sending them a letter requesting the full amount...

I'll let you now what happens!

  • Haha 1
Link to post
Share on other sites

You can split it but you do carry more risk, I personally suggest going for Fast Track although the fees are higher and you pay their fees and lose yours if you lose that isn't going to happen anyway! Some people with a claim under £5k have had it go to Fast Track so theres no real way you can control it anyway! lol! Search the site for info on splitting claims.

Ex CAG helper ^_^

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...