Jump to content


  • Tweets

  • Posts

    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which basically says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
    • where was this PCN:? please complete: pers i cant see the point in an sar yet await/if they ever send a letter of claim. as long as you've not moved since 2022 you are OK to totally ignore . dx  
  • 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

Interest Rate Increase


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

Thread Locked

because no one has posted on it for the last 6577 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

 

Calculated that MBNA owe my £300 in charges from the last 2 years so sent them the preliminary letter, response 2 days later saying "we are looking into it, response will be in about 4 weeks". After 14 days was up, sent the Letter Before Action on 25th April and on 26th my account was credited with £160 (i assume a letter is at home regarding this).

 

However (and sorry for the long winded way of getting to this), in Sept 2005 i agreed a rate of 7.9% APR on all account transactions if i kept my card open with them. I've just noticed that a few months ago they increased my APR to 13.9%.

 

My question is, are they allowed to do this? I have a letter from them saying my APR is 7.9% from Sept 2005.

 

James Ryan

Link to post
Share on other sites

This bunch of wasters are a law unto themselves.

 

It does say in their t & c's that they can alter the rate and they obviously review it now and then. Write to Michael Rhodes who is their ceo complaining about the incorrect rate and ask that he refunds the over paid interest. Enclose a copy of their letter confirming the lower rate just in case they try to stall you.

 

I take it you are going to acept that £160 and tell them you will pursue them for the other £140 ? Don't let them get away with that.

 

Keep us posted !

Link to post
Share on other sites

Hi

 

Oh i will get onto Michael Rhodes as soon as i get home tonight and copy their original letter.

 

And there is no way i am letting them get away with my money, the £160 can stay in my account but i am sticking to my timetable of 14 days before court action if they don't pay the rest up, and a letter stating that is going out tonight!

 

James

Link to post
Share on other sites

Hi!

 

If you are late with a payment or go over limit, then mbna 'jack up' your interest rate!

 

Mbna call it "Risk Based Repricing" otherwise known as "International Default"

If you do a google search there are a lot of USA consumer complaints about mbna adopting the "International Default" policy.

 

I sympathise ! because I had my interest rate hiked up to a shocking 24.9% by MBNA - Of course, I am in dispute with them.

 

Now, whether they are allowed to raise rates like this, is another question but you can be sure that it is in their terms & conditions..

 

Don't let them get away with a thing and

Good Luck with your claim

 

Thanks

angry cat

Link to post
Share on other sites

Balls!!

 

Oh well, whether they an or not is a question for later, first hings first is to get home and see what they've said about the £160 they have refunded me. Will definitely be back on tomorrow with the letter i've posted back to them!

 

James

Link to post
Share on other sites

  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6577 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...