Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
      • 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

Northern Bank (Northern Ireland)


moriman
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6455 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

Hi,

 

I'm strongly considering starting the process of reclaiming charges from the Northern Bank. However, there are a couple of things I would like to try to have clarified before I begin :?

 

i) At present I have an overdraft with the bank; are they legally entitled to remove this facility simply due to me starting this process?

 

ii) I have moved to a different area in NI but the local branch, where I live now, refuses to let me transfer my account as, in their opinion, I have been 'illegally' overdrawn too often in the past (usually due to excessive charges like £25.00 for returning a £7.49 Direct Debit when there's £7.47 in my account). I am now in the position where my 'local' branch, isn't actually the branch where I have my account! Can I *slightly* reword the end of the DPA letter like this...

 

"I would be happy to collect the Data from your XXXX branch if this is more convenient."

 

and insert the branch where I now live?

 

many thanks for any help :)

 

mori

Link to post
Share on other sites

send the dpa request to the branch you deal with, and it will be passed on to head office. they will **** you off with an initial response but don't let them away with it.

Link to post
Share on other sites

Hi Moriman

join the Northern assault team m8!!!I sent my DPA letter off on 27/4 via recorded mail,and they have yet to even acknowledge it.

 

If they don't come up with the goods,I'm taking last years charges,multiplying by 6 and hitting them for around £6500 to see what they think of that!!

 

get stuck in!!

Link to post
Share on other sites

Here's what's gone on so far...

In answer to my original Q. in this thread, I got chatting to a deputy manager of a NB branch. He told me that it was very likely that NB would withdraw my overdraft facility as soon as I would start this ball rolling. As I have absolutely no intention of giving them the chance to hammer me with even more charges, I am going to have to put my action on hold for the minute, until I get the overdraft cleared. This is now my No. 1 priority. Then I'll let them have it :lol:

Link to post
Share on other sites

Here's what's gone on so far...

In answer to my original Q. in this thread, I got chatting to a deputy manager of a NB branch. He told me that it was very likely that NB would withdraw my overdraft facility as soon as I would start this ball rolling. As I have absolutely no intention of giving them the chance to hammer me with even more charges, I am going to have to put my action on hold for the minute, until I get the overdraft cleared. This is now my No. 1 priority. Then I'll let them have it :lol:

 

That constitutes a threat in my opinion.Why don't you name the deputy manager who made it,and when he made it and we can use his name to complain to the OFT if they do withdraw overdrafts?.:D;-)

Link to post
Share on other sites

No, it wasn't made as a threat. The point was made that, IHHO, that is the action my local branch would take. This person is not connected to my local branch. The person in question actually agrees that we are all being ripped off and that 'taking them on' is a good idea, they merely pointed out the pitfalls with my present situation. As I stated previously though, this situation will only cause a delay, not the termination of this process :D

Link to post
Share on other sites

No, it wasn't made as a threat. The point was made that, IHHO, that is the action my local branch would take. This person is not connected to my local branch. The person in question actually agrees that we are all being ripped off and that 'taking them on' is a good idea, they merely pointed out the pitfalls with my present situation. As I stated previously though, this situation will only cause a delay, not the termination of this process :D

 

sorry for the misunderstanding.I have a parachute account ready to cross over to if they do muck about,and if I estimate correctly(if they don't send me my details)it will be more than worth taking them on!!

Link to post
Share on other sites

if northern are charging you too much and likely to pull your OD facility, just get in first and open another current account with another bank or building society. i have another account lying so that if they do start messing me about it is only a matter of changing direct debits. dont let them beat you or even delay you in any way. i have found with first trust that they will do anything to slow you down in the hope that you lose heart.

 

PRINT A DPA REQUEST LETTER AND SEND IT TODAY

Link to post
Share on other sites

  • 4 months later...

Sorry to bounce in...

Have an old loan for about £5500 with the northern. And an od for around £700.

 

Now never use the account. Chargse were ridiculous. Anyway chargse will ata guess amount to £2,000+interest or so.

 

How is the best way to deal with htem. Got defaulted the other day, and already tried cca request. It was in the post next morning.

How do they deal with debtors, ie debt collectors or courts...?

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6455 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...