Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 161 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
        • Like

Please help for an old lady


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6173 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Ok Chez,

How do I calculate what figure I put in here?

If there are 8 charges in any one month, what figure do I put against eahc charge in this column?

 

Treat the colums as seperate information ... ie charges on one side ... interest on another.

 

list all charges seperately against the date they were taken .(on the left) .. then the interest (which is only taken once a month) goes in the other column (on the right)

 

Hope this makes sense ... it's all confusing at first but once it clicks it clicks!! :-)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

  • Replies 204
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Destiny (& Chez !!) - Sorry for delay - been a bit busy. I got the spready and it is fine. The figures are correct in columns A to E, so well done.

 

It looks like you've got the idea in columns F & G, too, so keep going with those.

Column F: This is the date that the monthly overdraft interest was actually debited from the account.

Column G: This is the total amount of monthly overdraft interest actually debited on the date in F.

Column H: Take a look at the account balance on the statement for that month, and make a rough, but reasonable guess as to how much the account was overdrawn by most of that time. If in doubt, then just put the overdrawn balance at the date given in F.

Column I: Leave blank unless there was a level of interest-free overdraft on the account. If you're not sure, then leave blank.

Columns J & K work themselves out as you go along, so DO NOT put anything in these.

 

Chez - thanks for explaining things to Destiny, here !! :)

Link to post
Share on other sites

Sorry I went out & have only just got back on here tonight ... hope you are sorted now DOS ... I've used the spreadies from the Vamps chambers in google ...where Bill is known as Batty! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Sorry Chez !! It's an Excel version of the same sheet. :)

I've been posting this up everywhere I can:-

 

Just an announcement from Batty Bill here. Vampiress has announced that her Google Chambers will be closed for a while, as they are undergoing a "Re-Vamp"

Mindzai's spreadsheet will not be affected by this, and should still be available.

 

For those needing compound interest spreadies, this is available for download, along with Excel versions of Vamp's Recommended #5 and #16 spreadies here:

 

http://www.cagmembers.go2.to/

Spready guide:

http://www.consumeractiongroup.co.uk/forum/post-50088.html

 

Beginners' Steps:-

Link to post
Share on other sites

Spready's looking good, Destiny. Not sure about wins of this amount - some mods will know, I'm sure, so maybe we'll get an input on that, later. Once we've got a spready finished and checked, I would like to ask Vamp to look in on this, and also ask if BF can think about taking this on as a "Cause Celebre."

 

I believe this should be settled by the bank early, as the adverse publicity of taking it to court will do them no good. But we must be prepared to negotiate, too, if we want early settlement, IMHO.

  • Haha 1
Link to post
Share on other sites

Hi Guys! Bill I didn't realise you had downloaded the google sheets into excel mate! Whenever I've tried to export from the chambers it always messes up the formula etc so I just use/store them online now - works fab for me that way!

 

DOS glad it sounds like you're finally sorted with your spready ... the contractual interest certainly increases the claim doesn't it!

 

Good luck & well done so far! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Well done on completing the spreadie guys!

 

I don't know if it helps but, I have a claim about to go in for around 10k, most of which is C.I. The banks have been paying out large amounts with simple interest and I have a feeling that the way it will go with this is that they will pay out the charges + 8% and consider that to be the end of the matter. However, none of them seem to have a credible defence to the contractual argument so, with the fantastic work that is going on in other threads I am hopeful that eventually, they will pay out.

Link to post
Share on other sites

Bill,

That's it, the s/sheet is complete now.

Sorry, I thought it was still an unfinished symphony, as there were interest charges only from line 16 to line 45. It's just dawned on me that this is ALL the interest charges! OK - I'll re-check it, now.

Hi Guys! Bill I didn't realise you had downloaded the google sheets into excel mate! Whenever I've tried to export from the chambers it always messes up the formula etc so I just use/store them online now - works fab for me that way!

Aaaw - sorry, Chezzie !! What with all the help you give peeps with spreadies, I shoulda told you FIRST - not LAST. Real soz, mate !!

DOS glad it sounds like you're finally sorted with your spready ... the contractual interest certainly increases the claim doesn't it!

Don't it just !!

Good luck & well done so far! :)

Sarah - be interesting to see how yours progresses. Thanks for that, and the encouragement it brings !! :)

Link to post
Share on other sites

Aaaw - sorry, Chezzie !! What with all the help you give peeps with spreadies, I shoulda told you FIRST - not LAST. Real soz, mate !! :)

hey that's ok Bill ... nay worries!

 

Thanks Bill

And thanks Chez for your invaluable input as well.

 

you are VERY welcome :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Guest willowb

No, but it's best to have the spreadies done for both so that if contractual is not agreed to then the statutory claim of interest is ready for the Judge.

 

Wxxx

Link to post
Share on other sites

Destiny - in case you're worried - I've been a bit busy with things today, but I will have that spready ready soon. There are a few problems with the interest charges columns to iron out, but there often are with these, so don't worry. I'll be back......:cool:

 

Oh - and I'll generate a statutory 8% one for you as well, so it's ready if you need it. :)

Link to post
Share on other sites

Thanks Bill,

 

Sorry for the late reply, this is my works computer and |I'm only here 9-5.

But it looks like I'm going to be busy over the next few weeks, a lot of people are watching this with anticipation. I'm the only one with a spare PC so am the flavour of the month right now!

Bl***y creeps !:D

Link to post
Share on other sites

  • 2 weeks later...

This member has just e-mailed me this message. I have suggested they check upper/lower case & caps lock, but that's all I can do.

 

Could a moderator or a techie please help ?

 

Many thanks.

 

""

 

Bill,

 

I am having trouble logging in to the site. When I contact them, they just send me new passwords. I use these but still cannot log in. I need to get Dottys claim sorted. Have you any idea how I can contact a mod ?

 

""

Link to post
Share on other sites

Glad you made it DOS ... well done Bill/Karney ... :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...