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    • 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
      • 160 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
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What happens if you try to reclaim charges from a bank that you are maxed out on a 4K overdraft with? Am frightened now as I have sent a letter to Royal Bank of Scotland regarding bank charges....what if they ask for OD back all at once coz i aint got it????

 

This was my previous post - does anyone know if RBS may ask for full payment of OD and if so what happend if im not in a position to pay off in full?

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They might.

 

How much are your charges compared to your o/d? Would the repayment of charges take a big chunk off that?

 

Open a parachute account now just in case. If they close your acount, it will be harder to open a new one if your bank plays silly b#ggars.

 

If they insist on immediate repayment, you can stall by stating that as some of the o/d is due to their charges, the total amount is in dispute. Once you have your money back, see how much you still owe them, and negotiate a repayment schedule, insisting they freeze interest until they're paid off.

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Thanks - dont know exactly the charges for the last 6 years but they could be quite a bit.........ive asked them for all the details........... i have an account 'cash account' with Lloyds TSB.........but have asked them to look at refunding charges too although i dont have an OD on that account and do debit card - just a cash card facility........:confused:

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  • 3 weeks later...

Heard back from RBS they say they looked into my claim and I asked them to send statements for the last 6 years, they said they had then got a letter saying they have checked over the statements theirselves and found no errors and that all their charges are just......hope this clarifys??

 

Where do i go from there...Also got similar response from Lloyds TSB

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Please read the FAQs then you won't be put off by their put offs. You really need to get familiar with the process and when ready, go ahead and ask them to refund you the money they have taken in charges...as in the Step by step guide also in FAQ

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Ok ive just received in the post from RBS last 6 years statements - what now - go thrugh them all and list charges for what??? if charged for going O/d and missed DD payments??

 

Once i have a figure shoudl i write to them again?

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Ok ive just received in the post from RBS last 6 years statements - what now - go thrugh them all and list charges for what??? if charged for going O/d and missed DD payments??

 

Once i have a figure shoudl i write to them again?

You really do have to read the FAQ section - you probably missed my previous post so here it is again. The answers to your questions are in there :)

 

Please read the FAQs then you won't be put off by their put offs. You really need to get familiar with the process and when ready, go ahead and ask them to refund you the money they have taken in charges...as in the Step by step guide also in FAQ

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Referal Charge = When the bank decides to pay an item on your account (SO/DD/cheque) that takes you over your limit.

£30 a pop nowadays. :mad: Yes as Paul says they are also unlawful.

Good luck & all the best!

 

edit: they (referal charges) are applied on the sixth working day the month after the "offences" occured. Its not immediately obvious what they are for so you'd need to look back if you wanted to see what they related to. I wouldn't bother doing this though as regardless of why they've charged you, they're unlawful in any case. You can claim them all back anyways!

(Yes I work for a bank but am here to help! Please be nice to me! :))

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After requesting RBS Statements and going through for the obvious charges, ive come across charges that just say

 

:-

chg to 17 may a/c 1******* 30.00

 

from what i can see the normal charge to my account for the month (royalties gold) should have been about £10 per month and it is so in some months - so why in other would it be £30 or so??

 

Any ideas please as im trying to compile what they owe me at the moment and need to know wether or not to include these??

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Firstly - it is very difficult to give a considered response when you post a new thread for each question - I have now merged all your threads - please update to this thread, then people will more easily be able to help.

 

Is the normal monthly charge showing as well as this charge?

 

 

 

 

 

 

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No, the normal monthly charge is usallu £10 per month judging by most other statements, when RBS sent me these statements they had already underlined the charges, they hadnt underlined the ones at £10 per month but they had underlined the ones above this amount, £20 - £40 or so - one months was even £90.00. This is why i',m confused as i know there is a monthly chage for the royalties account which was £10.

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when RBS sent me these statements they had already underlined the charges, they hadnt underlined the ones at £10 per month but they had underlined the ones above this amount, £20 - £40 or so - one months was even £90.00. This is why i',m confused as i know there is a monthly chage for the royalties account which was £10.

 

 

LOL....If they have been so kind as to identify them as unlawful charges themselves, then I would incude them in your claim - only fair not to disappoint them after they have gone to so much trouble!! :lol:

 

 

 

 

 

 

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After requesting RBS Statements and going through for the obvious charges, ive come across charges that just say

 

:-

chg to 17 may a/c 1******* 30.00

 

from what i can see the normal charge to my account for the month (royalties gold) should have been about £10 per month and it is so in some months - so why in other would it be £30 or so??

 

Any ideas please as im trying to compile what they owe me at the moment and need to know wether or not to include these??

This is the referal charge I was talking about earlier. Read my post above 23:57 on 28th April again. If you're still not sure get them to explain it to you in your local branch - thats what we're here for. Ask for a copy of the leaflet that explains charges as well.

Here's my original thread on how they're worked out, maybe this will help:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=2794

Yes charges are confusing, at times one wonders if they're set out like that deliberately.

(Yes I work for a bank but am here to help! Please be nice to me! :))

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Hi - i get what youre saying, however sometimes I have a referral fee in a month and also a charge that is more than the usual £10 account charge, this is where i'm getting confused - if ive already been charged a referral charge one month how come i'm being charges on some occasions more that the standard £10 monthly fee?

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That's their problem - once you send the prelim letter they will have the opportunity to explain themselves. If they do, then knock it off the total - if they don't then claim it back.

 

If your agreement was for a £10 fee to be paid each month as a service charge, then these figures cannot be justified.

 

 

 

 

 

 

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  • 12 years later...

This topic was closed on 03/08/19.

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

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