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    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
    • Could he/ his partner set up a new internet bank account?  In his name ? It depends which country, I imagine. Most UK banks want proof of address and ID, probably more. If your friend/partner can use the house address and provide bills that could help. You would need to look at various online banks and see what their requirements are. Or there are expat accounts but I haven't looked closely at how they work. Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage) I'd have thought the DWP would pay to a new account, as long as the person they're authorised to deal with asks them and provides details. The international pensions people in Newcastle are pretty helpful.
    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
    • It's a shame that your friend didn't take care of this while he had capacity and before he left the country, isn't it? He seems to have made your mission impossible. HB
    • HB - this form and process is as I remember it from handling relatives cases.  It's a timing thing.  Which has passed in terms of my friend
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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
      • 162 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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bally versus Northern Irish Banks


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Hi Just thought that I would introduce myself here.

Have started the long battle against two Northern Irsih banks, who for some reason have been getting away with thieving from the general public for too long.

I am ashamed to say that I worked for a number of these banks, although when I started many moons ago, we would never have bounced on anyone where the fee was more than the debit!!!!

These days its all about sales, and the pay for anyone joining is atrocious!!!!

One particular bank insists that all their staff make a number of points per day (not easy) by selling various products.

Their reward for this £150.00 per quarter minus tax etc!!!!!

The other thing which hit me in the face is that they only want fairly dim 17 year olds whom they can mould/ brainwash.

They dont actually appear to want anyone with a common bit of dogwit!!!

The big 4 now use psychological profiling as their test to see whether you are a suitable applicant ( in my day the ability to count etc was deemed more important).

Ye might guess that I am no longer in that particular industry (Thanks be)

but am happy to help anyone if I can.

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Welcome Bally

Theres a right few members going after the big 4 here in NI ! Lickthewallfatboy has already had success against the northern TWICE ! nice to know we have on board and ex banking industry worker your knowledge may come in handy in the meantime if you read the threads you will get the gest of things as they stand ! if you type the name of the bank into the search button at top of the page all the threads relating to that bank will be displayed so good luck and happy reading !

if my advice has been of any help to you then please click the scales ! Thank you :D

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Hi Just thought that I would introduce myself here.

Have started the long battle against two Northern Irsih banks, who for some reason have been getting away with thieving from the general public for too long.

I am ashamed to say that I worked for a number of these banks, although when I started many moons ago, we would never have bounced on anyone where the fee was more than the debit!!!!

These days its all about sales, and the pay for anyone joining is atrocious!!!!

One particular bank insists that all their staff make a number of points per day (not easy) by selling various products.

Their reward for this £150.00 per quarter minus tax etc!!!!!

The other thing which hit me in the face is that they only want fairly dim 17 year olds whom they can mould/ brainwash.

They dont actually appear to want anyone with a common bit of dogwit!!!

The big 4 now use psychological profiling as their test to see whether you are a suitable applicant ( in my day the ability to count etc was deemed more important).

Ye might guess that I am no longer in that particular industry (Thanks be)

but am happy to help anyone if I can.

Hi bally, I am pretty new too but welcome on board!!

If you look at my thread nervous v northern bank you will see how helpful LTWFB has been. Still i have had a few questions re the fees that are charged supposedly every six months and i did include them in my charges because i feel quite strongly about hidden charges that the Northern loves to introduce when they know the going gets rough for them. You'll be a great help. Good luck in your pursuits!

nervous

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Hi Just thought that I would introduce myself here.

Have started the long battle against two Northern Irsih banks, who for some reason have been getting away with thieving from the general public for too long.

I am ashamed to say that I worked for a number of these banks, although when I started many moons ago, we would never have bounced on anyone where the fee was more than the debit!!!!

These days its all about sales, and the pay for anyone joining is atrocious!!!!

One particular bank insists that all their staff make a number of points per day (not easy) by selling various products.

Their reward for this £150.00 per quarter minus tax etc!!!!!

The other thing which hit me in the face is that they only want fairly dim 17 year olds whom they can mould/ brainwash.

They dont actually appear to want anyone with a common bit of dogwit!!!

The big 4 now use psychological profiling as their test to see whether you are a suitable applicant ( in my day the ability to count etc was deemed more important).

Ye might guess that I am no longer in that particular industry (Thanks be)

but am happy to help anyone if I can.

Hi bally, I am pretty new too but welcome on board!!

If you look at my thread nervous v northern bank you will see how helpful LTWFB has been. Still i have had a few questions re the fees that are charged supposedly every six months and i did include them in my charges because i feel quite strongly about hidden charges that the Northern loves to introduce when they know the going gets rough for them. You'll be a great help. Good luck in your pursuits!

nervous

P.S. I used to work in the Northern x number of years ago, but then i was a young teenager who DID see the error of her ways and promptly left. My husband left 12 years ago! Maybe that's why we feel so strongly about our rights.

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Hi Just thought that I would introduce myself here.

Have started the long battle against two Northern Irsih banks, who for some reason have been getting away with thieving from the general public for too long.

I am ashamed to say that I worked for a number of these banks, although when I started many moons ago, we would never have bounced on anyone where the fee was more than the debit!!!!

These days its all about sales, and the pay for anyone joining is atrocious!!!!

One particular bank insists that all their staff make a number of points per day (not easy) by selling various products.

Their reward for this £150.00 per quarter minus tax etc!!!!!

The other thing which hit me in the face is that they only want fairly dim 17 year olds whom they can mould/ brainwash.

They dont actually appear to want anyone with a common bit of dogwit!!!

The big 4 now use psychological profiling as their test to see whether you are a suitable applicant ( in my day the ability to count etc was deemed more important).

Ye might guess that I am no longer in that particular industry (Thanks be)

but am happy to help anyone if I can.

Hey bally35, can i run this by you? When we asked for the overdraft, the bank was charging us 11.74% interest. Instead of the 8% interest being charged can i use the one that i have quoted instead? someone said i can if it is in the contract. So, isn't the 11.74% in the contract? i am going back 6 yrs and this overdraft in this branch was only taken out in 2004. Can i use this for the entire 6 yrs. Please advise me.

nervous.

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This would be the contractual rate of interest.Thats where it gets complicated.

Some banks charge the unauthorised interest on the unathorised part and some on the whole overdraft amount.

To be honest with you nervous, I would stick with the 8% which is the stat amount you can claim as your wee head will be fried ( like mine) and the spreadsheets work everything out for you.

Best of luck.

Have moved on to PPI and bank charges on First Trust account now:confused: :confused:

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well sent myprelim letter and schedule of charges by recored delivery on 30/01/07

Isnt showing up on "track and trace", but that doesnt surprise me as my SAR was also sent using ths method Still not showing up on system (think I will claim compensation for this)

Anyhow have yet to receive acknowlegement letter from First Trust despite their promise to acknowledge complaints within two working days.

Just wanted to now how anyone else is getting on with First Trust as everyone seems to be very quiet at the moment................

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