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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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    • 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.
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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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Natwest charges


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My partner paid £10 into her account on Friday to cover a Direct Debit that was to come out yesterday. The Direct debit was more then what she thought so it got rejected. She went £4 into the red.

 

This morning looking on online banking she has been charged £38.

 

I have two questions

 

1. Whats this £38 charge cover?

2. Dont they need to give us time to sort out the charge?

 

We are now £28 in debt as the £10 got returned. £38 seems alot of money just for a returned Direct Debit. I remember with Halifax they used to tell us when we would get charged not just take it out the next day.

 

Any advice here please?

 

Thanks peeps

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My partner paid £10 into her account on Friday to cover a Direct Debit that was to come out yesterday. The Direct debit was more then what she thought so it got rejected. She went £4 into the red.

 

This morning looking on online banking she has been charged £38.

 

I have two questions

 

1. Whats this £38 charge cover? The question to whch we would all like an answer

2. Dont they need to give us time to sort out the charge? Apparently not

 

We are now £28 in debt as the £10 got returned. £38 seems alot of money just for a returned Direct Debit. I remember with Halifax they used to tell us when we would get charged not just take it out the next day.

 

Any advice here please?

 

Thanks peeps

 

Hi Mark - welcome to CAG

 

I've been a bit tongue in cheek with my answers but it just about covers it. The £38 is alleged to cover the administration costs of returning the DD but in reality the costs are matter of pence as it is a fully automated process. It is therefore a penalty charge which is unlawful.

 

If this is the first time you have incurred charges, it probably isn't worth getting too heavy handed with them. Make a phonecall to Natwest Customer Services nad explain to them that you thought you had covered the DD but it was more than you had expected. If your account has previously been well maintained and you make a reasonable approcah to them they may well refund the charge as a "one off gesture".

 

If the DD was more than you had expected and you hadn't been given 5 days notification of this by the payee then you can claim under the Direct Debit Guarantee.

 

I would give them a call and see how you get on.

 

Paul

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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In regards to the account we had to once ask them to loan us £90 as a previous charge left us in debt which swallowed up our benefits. We had no money for baby milk so had to ask the bank to help us. We paid it back within 2 weeks though.

 

Thats the only problem we have had on the account

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I still think a phonecall will probably resolve this without resorting to any unpleasantness. Contrary to popular belief, they aren't completely unapproachable and might well give you a sympathetic ear.

 

Paul

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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That's a result, then!

 

don't forget to ask them to waive or refund the account management/unauthorised overdraft fee (which is £28 and will be charged next month) as well!

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Good one. Sometimes dialogue is the way to move things on.

 

I agree with Westy though about the OD charge.

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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