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    • Good morning,   I just left bigmotor and return the vehicle. Staff from bigmotor wasn’t helpful they start from the beginning I need to have appointment. They mentioned there is no one today from after sell who can assist me today aswell. After few min  manager come to talk with me and collect all documents. All conversation has been recorded with full names for both people who was dealing with me in the store.   Thank you     
    • London1971 - he's sick. He & his partner would like to dispose of or utilise via a rental his uk assets and/or to have access to his own £s (including his pension) - to make his end of days more pleasant.  It seems that is now only going to be possible for his partner via probate if Barc won't unblock his account.   HB - sorry I didn't mean to appear rude. I just meant this post will probs end up having to be morphed over to barc threads ! I do appreciate your input
    • I am quite happy to give a breakdown of what happened yesterday in court, and most certainly if it helps anyone. As you can imagine it was quite nerve wracking, despite knowing I had done no wrong there is always a nervousness that things can go against you. As such, I will confess to not remembering legal terms used etc but will try my best. On arrival at court I was, once again, asked by the claimants representative if I wanted a chat in a consultation room. DWF / Adidas do not send their own solicitor , they use a local company of representatives who all seem well known to court staff and judges. This was the 3rd time I had been to the court and on each occasion it was a different representative. I believe the advice on here is to not get involved in these little chats but I felt comfortable with them. First two occasions they did try to talk me into coming to an agreement but this time he just ran through what would happen in court. Not relevant to anybody else's case but this guy was more interested in my Thai Tattoos as he was a Muay Thai fighter and planning a trip to Thailand to fight out there !! When the time came we were ushered into court and took our seats in front of a judge who was already seated. I have to say it was surprisingly relaxed despite my being nervous. The judge called the representative by name and advised that the rep knew him well, knew he had a "straight to the point" attitude towards civil cases and didn't accept pointless waffle. He then outlined the case and spoke to me advising that he was aware I had no legal background and if any of the legal terms he was required to use were not self explanatory to me just to ask a question. Adidas WS had been written by a Senior Manager of Risk Prevention based in Amsterdam and the judge asked if he was attending. He seemed a bit taken aback when advised he would not be. He questioned how it was deemed as "fair" that I could be cross examined but the Adidas employee could not. The adidas rep said that he had a list of questions he had been instructed to ask of me, but that he felt my replies would all be denial so agreed not to cross examine.  The judge, during his summary, came to the part where adidas said I had contacted them asking where my refund was, and they had paid me due to "customer appeasement". His exact words were "the defendant would have to have some brass neck to actually phone chasing a refund for items he knew he had not returned". He also commented that Adidas had claimed that the return went to an altered postcode but did not include an example of what their return label would have looked like at the time, which seemed and obvious bit of evidence to him. The judge then commented that he thought it would be very difficult to prove that I was responsible for Adidas not receiving their returned goods. He then handed over to the claimant to put forward their claim. The claim really consisted of their rep reading through their WS and highlighting things which "proved" my guilt. They had discovered on internet forums that people were altering the postcode and sending out empty envelopes in the place of the goods. This was known as FTID (False Tracking ID) and Instant Refund. Apparently I was refunded within 18 minutes of my parcel being scanned at the Post Office. He also suggested that the altered postcode was pretty damning. This took maybe 15 minutes for the full reading. The judge asked if I had any questions and advised that I didn't need to prove my innocence, they had to prove my guilt.  I did make a couple of comments but really could have said nothing. I advised that when returning items to a post office, the first thing they ask you to do is put the parcel on the scales, which made a mockery of the empty envelope theory. They then scan the bar code or QR code, which would require in depth knowledge to be able to alter. I asked if adidas had been to this "altered" post code to recover the goods. The tracking provided by Royal Mail remarked "delivered no signature" I pointed out that adidas claim I was refund within 18 minutes but also say they refunded me following a call I had made chasing my refund, a total contradiction The judge then moved onto his decision. He started by saying that he had no doubt whatsoever that Adidas not received the returned goods. At this my stomach totally dropped.  He then said he had absolutely no doubt that I had returned the goods in good faith, and that the return system was obviously flawed for Adidas to have lost £10.4m. Adidas had provided absolutely no evidence to prove otherwise, and on that basis case dismissed. I walked out to the car park with the Adidas rep who advised me that there was absolutely no chance I was ever going to lose. If he had told Adidas what he thought of their case and evidence he wouldn't get any more work, they had no case whatsoever I am quite certain I will have missed some details of the day so quite happy to answer any questions that may jog my memory
    • Fair enough, I'll stand down. HB
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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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    • 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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Virgin Money Credit Card


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I am at a loss. Last week I received a letter from Virgin Money saying they are closing my account in 60 days but no explanation. I called and was told to go into branch so I travelled 25 miles to the branch to be told it was nothing to do with them. 

 

Bit of background

I opened a Yorkshire bank account in 2014 as my town had a branch (long since closed)

 

A little while later I opened a Yorkshire bank credit card with a small credit limit

 

More recently I opened a B credit card as it had zero non sterling transaction fees , this was just before they closed that type of card to new applicants.

 

So Virgin money come along and transfer all my accounts to virgin money. 

 

I opened another virgin credit card with 12 months 0% as I had drowned my old iPad and wanted a new one.

 

Almost two months ago I found out by looking at my statement that the B credit card had changed its terms and conditions and now was only zero non sterling if the transaction was in euro's Swedish Kr and Romanian Lee. I called and queried this to be told it was a commercial decision but the call handler did acknowledge that I had not been told about this.

 

I made a complaint - to be honest this was the reason for keeping the card open . They have about another 3 weeks before the 8 weeks are up and I take it to the FOS

 

Anyway, after getting the letter giving me 60 days I made a complaint that they a) sent me round the houses b) were unable to tell me why. I was told I would get a call back within 4 days 

 

After 7 I called to be told the complaint had been closed as it had no standing and that the reason my account was closed was something really serious and someone would call me before the end of the 60 days.  

 

Just to confirm, I usually keep £1000 minimum in my account (to get the interest) , have never once been overdrawn and my wages get paid in every month. I pay all my bills from the account . I admit I did a bit of moving money around a couple of months ago and also made a couple of 1K cash deposits.

 

Is there anything I can do? Oddly they have not closed my credit cards

 

I have now opened a student bank account with HSBC and also checked my credit file. HSBC are doing a switch to move all my DD's. I have also opened another credit card that gives no charges on non sterling transactions or cash withdrawals ( I can't quite believe it as it nots Halifax).

 

I want closure but I also want Virgin Money to pay.

 

Sorry for the long rant  

Edited by dx100uk
now now.

Any opinion I give is from personal experience .

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You want them “to pay”, but for what loss?

 

They are obliged to treat you fairly, but don’t have to have you / keep you as a customer.

 

Since you “admit” to “ a bit of moving money around a couple of months ago and also made a couple of 1K cash deposits” - do you think you account may have been flagged as a risk for money laundering as the trigger for this?

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When I say pay I mean it figuratively, however, the change in terms and conditions of the credit card will have some real life costs to me- it was the card I use when we go on holiday which is often outside the eurozone. Our countries of choice are usually Poland, Croatia and the Czech republic and prior to the war, Kyiv.

 

I am indeed wondering if the movement of money has flagged something but there are really straightforward answers if only they asked. If that is the reason then fair enough and lesson learned , by the way it was not mega bucks, the maximum cash deposit was £1300.

 

I had also been paying the ground rent for my partner for 10 months and then deposited a cheque for 10 months ground rent.

 

When we go away , I like to have some money in different accounts incase any do not work where we are going, but I am not affluent enough to be able to have it sitting there when we get back.

 

I have checked an up to date version of my credit file and there are no cifas markers.  

Any opinion I give is from personal experience .

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Spot on then, just the transfer of money around A/C's 

and of course but not limited too, p'haps they peaked at the countries you visit too.

 

if the CC co. did not inform you in writing of the T&C change, as they must for you to have the option want to continue with the card,  you could have objected, but ofcourse they'd just say bug of then i suppose...

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You have posted this elsewhere. I say this simply to point out that you have used a different username. If your usernames have any relation to your actual name, then it may be possible for someone else who makes that connection to have a guess at your actual name. 

 

I could of course be way off the mark! 

Edited by mantis shrimp
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Thank you of the heads up but casual readers will not be able to identify me from my usernames. Different places give different perspectives, to be honest, some can be quite judgemental some less so. 

 

I appreciate I will probably get nowhere but I would like an explanation if only so that, if they have found my actions suspicious, I can refrain from doing it again.

 

If Virgin money had told me they had also changed the terms of my current account so there were no non sterling transaction fees, I would probably have been fine. It's not spending on credit that is important, it's avoiding fees and lining the pockets of the banks that is.

 

I have been under considerable stress and anxiety relatively recently and this has been quite triggering. The irony being I am in a more stable financial and personal situation than I have been my entire adult life - I feel more affluent (remember affluence is relative ) than I ever have. 

  • I agree 1

Any opinion I give is from personal experience .

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  • 2 weeks later...

Does anyone have contact details for Virgin money when sending a DSAR. I can not find anything on the website apart from a privacy policy. 

 

Thanks

Any opinion I give is from personal experience .

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Jubilee house

Newcastle 

 

I think.

 

Check the fca register

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Virgin Money Personal Financial Service Limited
Jubilee House
Gosforth
Newcastle-Upon-Tyne
NE3 4PL

 

FCA Register Link:

REGISTER.FCA.ORG.UK

 

Companies House Link: 

FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK

VIRGIN MONEY PERSONAL FINANCIAL SERVICE LIMITED - Free company information from Companies House including registered office address...

 

 

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Thanks- that has pointed me in the right direction. I don't think it's Virgin Money Personal Financial Services as that appears to be the insurance arm of the business , but as I say in the right direction.

Any opinion I give is from personal experience .

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Have a look at this website..  Looks like 'Virgin Money' isn't a company itself  but is one of the brand names/trading names of Virgin Money UK PLC. At the bottom of website it shows its Registered Office as Jubilee House but its Head Office is in Glasgow.

 

Corporate profile | About us | Virgin Money PLC (virginmoneyukplc.com)

 

However the Virgin Money Privacy Policy tht you referred to does answer your question:

 

13. Contacting us for further information

You can contact us at any time to discuss how to exercise your data protection rights by emailing us at DSARCCA.Queries@cybg.com To discuss how we hold and use your information, please contact us by email at Data.protection.officer.queries@virginmoney.com or by post at Group Data Protection Officer, Group Risk, Level 3, 51 West George Street, Glasgow G2 2JJ.

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  • 10 months later...

I think I have written about my disputes with VM. They closed my account without explanation followed by both my credit cards. The account closure is currently with the Ombudsman after the investigator did not uphold my complaint.

Anyway- on the credit card section of both credit karma and clear score I am showing as pre approved for VM credit cards. Now you might think, why the hell would I want to be involved with such a rubbish company but a back up travel credit card would be useful - I have a metro bank one but it failed on my last holiday in Europe and I had to use my debit card. 

Does pre approved 100% likely mean I will get a card or will it then show as a rejection and mess up my credit score?

Any opinion I give is from personal experience .

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