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    • Piers aint that bad (recently amended opinion)  
    • It looks as if you have been completely ripped off. I'm sorry about that but frankly I don't think there is much you can do – and believe me, it is not often that I say that on this forum. I think it's fairly clear that there has been a deception here and although it won't help massively, I would suggest that you report the crime to the police. They will try to say that is a civil matter and you will have to stick to your guns and say that no there's been a deception, that this man is selling cars in an unroadworthy condition and probably he is committing tax fraud offences as well. I'm afraid that there doesn't even evidence that you have the correct name. It seems entirely possible that such a person simply doesn't exist. I don't see any point in beginning a legal action because if you don't even have the correct name for this dealer, then a judgement recorded against his credit file will make absently no difference at all and you will simply incur the costs of bringing the claim. I doubt very much whether he would bother to respond to a claim or to put in a defence. If he did put in a defence then if you wanted to move on to the hearing stage you would have to pay another fee and this would simply put you even more out of pocket – probably to the tune of about £250 or so – and as it seems very unlikely that you could ever enforce the judgement, you would never get any of this money back. I'm sure you feel very bad and very upset. The only other thing you should do is start going around the review sites and putting up negative reviews about this person and his business – and business names. At least it will put other people on guard and you never know, you might stumble across other people who know more about him and actually know who he is. If you do decide to inform the police then you should tell the police that he is trading under a false name. In terms of your car, I'm afraid that the only way I can suggest to cut your losses is to have the work done. It means that you are £1000 down on the deal – but at least you will have a driving car. However, before doing that I would have the car thoroughly checked over to make sure that there aren't any other defects which are about to materialise which might eventually make the car is simply not economical to repair. You said that there was an MOT certificate in the glove box. Is it a recent MOT certificate? Are you able to speak with the previous owner at all?  Cagger @Daniel Hanson who has also bought a vehicle from the same person may be able to help you in this respect. It seems that he has been lucky enough not to have any problem so far with the car that he bought. I think at the very least, the lessons to be drawn from this are: Don't purchase a used car – or any car from a dealer who is far away from you make sure you check the car yourself make sure that the dealer is well established and do some research on forums and review sites for negative reviews and positive reviews. However, be suspicious of positive reviews. Don't pay cash/bank transfer. You lose all control of your money. Insist on paying by credit card or debit card and if the dealer won't accept it then walk away. Ignore warranties. They are meaningless and they are simply a red herring intended to distract you from your statutory rights. However, as you are discovering, even your statutory rights are meaningless if you are unable to identify the dealer and if you are able to identify any assets belonging to the dealer against which you could enforce judgement. Please do let us know how this develops and if you are able to track anybody down. As I say, I think you should certainly inform the police – but it will be a hard job to get them to take notice because they will simply try to say that it's a civil matter and there is no evidence of a crime. You will have to push hard.
    • That is one mean spirited individual, looks like what a Dickensian female Workhouse Beadle would look like.
    • I'll reply more fully  later as I'm about to go out. But meantime who was this person who you allowed to drive your car? How did you know him? Was he insured to drive your car? If you are to defend the matter we need to find out if you have a reasonable chance of success.
    • I think it particularly telling that overweight poopulist Tory **** whos worst experience on missing a meal is missing out on cake, biscuit and tea for elevensese between free breakfast and free lunch, and who voted as a decidedly overweight whole to leave British children hungry, STILL claim that its age and obesity, not their own policies and practices, that have generating the 'world beating' British death rates.   Perhaps they are leading up to claiming that them voting for children to go hungry was part of the health drive to reduce the childrens risk of catching Covid? Wouldn't put it past them.    
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

End Of Banks Holding Onto Your Money?


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Hi everyone, hope you are all merrily pursuing your claims and all is well..

 

Just a random thread with regards a TV campaign I have just seen. Lloyds have decided to offer to their Classic Account Holders immediate interest on payments into the account..

 

That is to say - no more waiting 5 working days for cheques etc to clear before interest is calculated. I find this particularly interesting and exciting (sad I know), because my second biggest bone of contention with the banks (after excessive charges) is the ridculous and uneccessary wait for access to our money.

 

Many of you will know that banks effectively use our money for those 3-5 days while it is "clearing" to in fact invest the money in overnight money markets - and indeed earn a huge amount of profit and income from doing so. I have always maintained that this is outrageous - many european coutries alreaady ensure that banks must allow access to your funds within 24 hours or less to prevent such blatant profiteering.

 

I just wonder if this signals a general move in the UK towards more fairer terms for us consumers... no more waiting unduly, and unfairly for our money - while the banks earn interest and we incur charges. Hopefully it will permeate all transactions which have previously taken far too long in my opinion - including inter-bank telephone transfers (typically 3 days), credit card transactions clearing onto accounts (such as when one deposits money onto another account by credit/debit card - again 3-5days), and of course cheques and standing order payments.

 

Just thought it might be interesting to bring to everyone's attention...

 

http://www.lloydstsb.com/campaign/150_days.asp

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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When this [problem] (sorry, generous offer) was launched last week, someone, somewhere, did the sums on what it actually meant.

 

There are min and max limits on what you can pay, and how long the money must be in the account, and I think the final analysis was something like a penny a day interest, tops, more than you would normally get.

 

If I can remember the article, I will find it and post a URL.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If I can remember the article, I will find it and post a URL.

 

Come on Spice I thought you "Mods" were all knowing and all remembering..;)

 

sorry I haven't kept up so much with the posts this past week so I didn't realise this had already benn aired..

 

Sounds a bit like the Alliance and Leicester, earn 10% on your savings [problem]...

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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It does make me wonder what goes on with these crediting of accounts.

 

I log into my Barclaycard Account to pay my bill (none of that Direct Debit & S/O nonsense), and I pay them using my Bnak Debit card. The payment is ALWAYS on my card the following day. It's great!

 

Take it to a Bank or use online banking it takes up to 4 days :confused:

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Well, I've been so busy on the spreadsheet side, I missed it too. I have to agree, when I read through your post my first though was was 'yeah right, pennies'.

 

I'm not sure if access would be given to your funds any earlier either. It's probably just the fact that once the funds have definitely cleared then they agree they were in your account 3-5 days earlier and will give you the interest gained from it - pennies.

 

Doesn't sound like much of a change to me. Now giving us access to funds the day they are deposited, that's change.

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Now giving us access to funds the day they are deposited, that's change.

 

Absolutely.. but that is what I was trying to hint at.. the banks are going to have to make a concerted effort to move towards the continental approach where their retaining of our funds whilst they "clear" them and they earn masses of money is deemed profiteering and simply not put up with..

 

This could be the first step? Why we Brits sit back and let the banks take us for a ride in this manner is a mystery to me? Your funds haven't cleared. Donkey's testicles. It does not take 3 - 5 days for my funds to clear. You are talking hogwash. It's all electronic. They behave as if they are waiting for a guy from DHL or the Royal Mail (in which case it might take 5 days at the earliest, if arrive at all) with each standing order, or the hard currency.

 

No, european banks even clear funds from competitors' banks on the same day. So why don't our banks. I'll tell you why.

 

It's cos we Brits are renowned for queuing. For perennial politeness.

 

Whereas the French just have to breathe once on their bank manager with their garlic breath, the Italians just rant incoherently, whilst the German is camped outside the bank on a beach towel at the first whiff of foul play.

 

We need to drop our famed quaintness, and re-discover our Blitz mentality... charges are the beginning of the end for the banks, I think they face widescale reform - and BAG is launching the first offensive.

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Whereas the French just have to breathe once on their bank manager with their garlic breath, the Italians just rant incoherently, whilst the German is camped outside the bank on a beach towel at the first
Fight, fight, fight...again.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Whereas the French just have to breathe once on their bank manager with their garlic breath, the Italians just rant incoherently, whilst the German is camped outside the bank on a beach towel at the first whiff of foul play.

 

Fight, fight, fight...again.

 

hahahahahahahahahahahahahahahahaha PMSL

24.gif

 

Round 1 to Don!!!

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Round 1 to Don!!!

 

and the rest..

 

"We will fight them on the BAG, we will fight them in the high street, we will fight them in branches and the indian call centres. We will never surrender."

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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and the rest..

 

"We will fight them on the BAG, we will fight them in the high street, we will fight them in branches and the indian call centres. We will never surrender."

What...you missed a golden opportunity.

 

Never in the field of financial conflict was so much owed by so few to so many...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Spice you know I never miss a golden opportunity.. perhaps you should;

 

"Ask not what you can do for BAG, but what BAG can do for you.."

 

I feel perhaps we should start a thread 'cos this could have more legs than a millipede.. "Famous Quotes interpreted by Baggers?" Can you imagine the fun you could have.. there are some great speeches and quotes out there?!?

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Lloyds are advertising that you can get up to 150 days interest on this new 'deal'. Therefore, 150 days per customer x the number of customers per bank = just exactly how much have they been raking off people to fund their corporate p**ss-ups?

The Baron

 

"To sin by silence when we should protest makes cowards out of men"

~ Ella Wheeler Wilcox

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I cannot see how banks can pay you interest on money thats not cleared.

 

I often wondered if this scenario could work maybe its worth a try.

 

I write a cheque for 100 Billion pounds from one current account and pay into a Lloyds account, they then should pay me a few days interest on the cheque meaning I should earn a substantial chunk of interest. Of course once the cheque bounces the fee will be peanuts compared to what interest I have earned.

 

Or would the bank cancel the interest and does it say anything in their T&C's about interest on cheques that don't clear.

Nationwide:

DPA Letter sent 10th May, Received 1st June, calculated approx £330 charges, Prelim to sent soon.

Egg

£60 Charges - Pre Letter sent 23rd May, declined refund,

Halifax

£39 Charge - Pre Letter sent 23rd May, Halifax have agreed to refund the £39

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anyone?

Nationwide:

DPA Letter sent 10th May, Received 1st June, calculated approx £330 charges, Prelim to sent soon.

Egg

£60 Charges - Pre Letter sent 23rd May, declined refund,

Halifax

£39 Charge - Pre Letter sent 23rd May, Halifax have agreed to refund the £39

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The interest won't actually be paid until after it's cleared, it just accrues, so if it doesn't clear, you don't get the interest. I suppose, it's only a guess, but makes sense, don't you think?

[

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Along similar sort of thing,on totting up your charges ready for court...If you should over estimate the charges "by mistake of course" that the bank owe say by couple of hundred would they bite the bullet,and give you the money,or go to court ? As up to press very few want to go to court,Could it be a way of making them attend ? just a thought..:| As i saw somewhere an answer to some one who had got it wrong an the reply was "oh leave it its up to the banks to defend it an as they wont go to court ?) Am not sugesting folk bump up the claim at all,Just one o them things buzzing round my head when i try go to sleep.Can tell whats upermost on my mind eh;)

Dont get mad :-x get even :)

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Abbey paid Stephen 600% more than his claim so that they did not have to appear in court.

 

I would say that they would bite the bullet.

 

Indeed, I'm about to take on Barclaycard for my money back plus 19.9% APR - it's what they charge when I owe money to them, so I see it as an implied term in the contract that they should be bound by the same rules.

 

I think a judge would too.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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Is it possible to request that any refund of charges is applied to the account retrospectively so that interest charged by the bank is refunded and interest earned is added back? This would put you back to where you would have been had the charges not been applied originally and would therefore be a true reflection of the true cost of the charges.

 

Cheers.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Abbey paid Stephen 600% more than his claim so that they did not have to appear in court.

 

I would say that they would bite the bullet.

 

Indeed, I'm about to take on Barclaycard for my money back plus 19.9% APR - it's what they charge when I owe money to them, so I see it as an implied term in the contract that they should be bound by the same rules.

 

I think a judge would too.

Thanks for that Dave

 

Fantastic I LOVE IT YOU GO DAVE .This just gets better and better.. oh my are the big greedy giants going to get some back(with interest:-D) cant wait for my turn.. Still waitng for statements:evil:

Dont get mad :-x get even :)

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Indeed, I'm about to take on Barclaycard for my money back plus 19.9% APR - it's what they charge when I owe money to them, so I see it as an implied term in the contract that they should be bound by the same rules.

 

that is hilarious. Why didn't I think of that little gem? Maybe you could also add on £30 for the prelim letter, £30 for the LBA, and then a few hundred quid in miscellaneous charges for what you can simply term "manual intervention".

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Maybe you could also add on £30 for the prelim letter, £30 for the LBA, and then a few hundred quid in miscellaneous charges for what you can simply term "manual intervention".

 

 

And better...(If a knew how to put little chap rolling on floor laughing i would have)

 

 

Lizzie:lol:

Dont get mad :-x get even :)

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  • 12 years later...

This topic was closed on 10 March 2019.

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

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Please note that this topic has not had any new posts for the last 5375 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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