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    • your claim is against whomever fitted that parts.  
    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a very  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat in grove of piston.
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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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    • 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.

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      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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Banking Idiot V's Natwest Bank


banking idiot
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Hello All ;)

 

I am a step account holder with NatWest. I have just had another charge added this week and will now be claiming back £703 charges for the last 3 years - total time account held with Natwest.

 

As there is no charges, but direct debit or standing order refusals, I have addepted your letter slightly but will now copy and paste here. I will also scan any letter and join them to this thread, to keep anybody else who is in my situation follow the progress.

 

I have not had the issue with Data Protection as I had all my statments. I just worked out the spreadsheet with that information.

 

National Westminster Bank Plc

13 Market Place

Reading

RG1 2EP

 

7th January 2007

 

 

 

Dear Sir/Madam,

 

 

Request for repayment of charges

 

ACCOUNT NUMBER: XXXXXXXX

 

Yours faithfully,

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I'm going to bump this up in the hopes that NWSM will see it as I can't see how you can accumulate that much in charges on a Step account.

 

You say they are not for refused DD & SO so does it say on your statements what they are for?

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Guest NATTIE

Thanks Paul, and I think first things first, please can you edit the letter as the one on your post is from the bank templates library for registered users only, thanks. The Step account would only have bounced items and nothing else as the account is exempt of other charges except default I believe.

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Cheers Natty - that's what I thought and as there is no cheque facility with a Step account it can't be unpaid cheques.

 

BI - it would be a big help if you could clarify what the charges are detailed as on your statements.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Thankyou everybody.

 

I am sorry, I didn't word the 1st part of my thread very well. The charges are for DD or SO. I have now changed to stop any confusion. I have also removed my letter to Natwest as this is for registered users only.

 

What a Banking Idiot, I am

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If the charges are for unpaid DD & So then you can set about recovering them.

 

Can I suggest that you spend some time having a good read of the FAQ's before you jump in - it will save you a lot of time. Post any questions you have in this thread so we can keep track of your progress. Enjoy the experience!

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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  • 2 weeks later...

Response today - Bog standard reply :lol: LOL

 

Thankyou for your letter dated 7/1/07 regarding charges applied to your account.

 

We are currently considering your claim and will respond as soon as possible.

 

pp Stuart Hingley

Customer relations

 

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