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    • We registered our child with a nursery last year for a June 2024 start date. This was before how the new 15 hours free childcare was going to work. At the time my wife paid a £50 deposit. A few weeks ago they sent out an email about how the new funding was going to work. The nurseries can use it as they wish and they said if the child wants to come for one full day we still have to pay £50 and we can't use all the hours for one day. They also drastically increased their day rate. As a result of this we were looking elsewhere and have found a much cheaper nursery so we are changing.  The original nursery now said you only get the deposit back if she starts because it comes out of the first month of fees. I don't think we filled any any form or anything so there were no terms and conditions. Are we entitled to get the deposit back or is it our fault for not asking what the terms were when we paid. 
    • Hi Baldilocks. Welcome to CAG. I've done some minor formatting edits to your post to make it easier to read for people on mobile. Try to keep to 1 or 2 sentences max before creating a line break in your post. It's the Consumer Rights Act 2015, not the Sale of Goods Act 2015. The Consumer Rights Act 2015 superseded The Sale Of Goods Act 1979 and the latter does not apply as I imagine this purchase was made after 1st October 2015. Can you confirm the make and model of the vehicle? Some vehicles have their service history stored within the on board computers now or have it available to view online at any point. How did you pay for the vehicle? Finance (what type), Debit/Credit Card etc? I would argue, that should the above points not be correct, you would be right to claim that the goods are not as described under the Consumer Rights Act 2015.  
    • Thanks everyone for all your help, but unfortunately my case was dismissed. This is the 2nd time I've had this happen now so I doubt ill be taking on any parking firms in future sadly. The judge said I lost it on the grounds that the sign said I had 28 days to declare who the owner of the vehicle was, and said I should have complied with this.  My costs are Judgment for the claimant £133.33 Issue fee Hearing fee Solicitors costs - total £265 grand total £398.33 Do those costs look about right?
    • In that case I don't think you'd have any grounds for a claim against the receiver, short of anything actually criminal. The receiver was appointed by the lender so any claim you make should be aginst them. How much equity do you reckon there was when they took possession? Realistic value less outstanding balance (including arrears).  This messing around makes me wonder even more if the property was wildly over valued. Normally a lender would sell and not really care if they got the best price so long as they covered the balance plus their costs. 
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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 
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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.
      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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new claim against YB


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Hi everyone just starting a claim, I have sent for statements, time just about up on them, my partner set up this for her charges for info and i have used it as well,I have been off work today and spent most of the day reading these wonderful storys of success against various banks and feel a lot calmer doing this knowing there is help and advise out there...andy

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Hi nicholag,

 

It took Yorkshire bank 38 days to respond to my first request, i think maybe a phone call chasing them would be the next step for you.

 

If you do speak to them make it clear to them that their `40 days to reply with your statements ` has exspired.

 

Also...Did they acknowledge your DATA PROTESTION ACT REQUEST..

 

I`m just a couple steps ahead of you at the moment ( regards reclaiming unfair charges )... Take a look at my thread you may gleam some infomation off that.

 

Hope i`ve helped.........Regards Swag Bag...

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Hi to the both of you thanks for help firstly yes 40 days now up secondly i did recieve acknowledgement of cheque and they said they would comply,will now have to ring does anyone have a contact number for them.....i have read all over here there a real pain YB well im ready for a fight,i will keep a check with you guys just ahead of me for tips..ANDY

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Hi to the both of you thanks for help firstly yes 40 days now up secondly i did recieve acknowledgement of cheque and they said they would comply,will now have to ring does anyone have a contact number for them.....i have read all over here there a real pain YB well im ready for a fight,i will keep a check with you guys just ahead of me for tips..ANDY

 

Try one of these

 

0141 242 4142

0141 242 4138

 

See my last post in YB Contact Details

;) If this helps please click the scales bottom left
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Hi all today received statements but only for the last twelve months as they say the bank moved to a new system in 2005 and are in two different areas of the bank and it will take a little longer to get statements past 2005 is this just stalling tactics on there part any advise,by the way one years charges comes to over £800 which is a good start:o

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This is interesting. At the start of all this Clydesdale only sent statements back to (I think) July 2005, but the ICO forced them to comply in full with all claims. Yorkshire Bank weren't a problem. I'm not sure what's going on.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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Hi caro i see your name on here a lot you have helped a lot of people,well they have nt said they wont send them only that they changed there system in 2005 and it will take a little longer to retrieve pre 2005 and also because of the high volume of people claiming its taking them longer,I say take more staff on, i just wonder what to do next, dont know if i should make claim on the one year then make another when i have the rest?:confused:

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You see my name a lot as I am a moderator for CAG with experience of Yorkshire Bank. I am seeking advice for you but please be patient. I know it's all worrying but it'll be worth it in the end.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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Their new systems are their own problem. They have a responsibility to implement new systems in a way which allows them to meet all of their obligations.

 

I suggest that as soon as the 40 days are up that you complain to the IC and also begin an immediate claim for the money you do know about coupled with a claim for non-compliance.

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With the recent revelations about CB's defence bankfodder could this be in anticapation the claimant will have to make more than one claim therefore rendering themselves barred from future claims?

I know its CB who are doing this but watch this space i say.

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It is still worth putting in a complaint with the ICO as they were late, even though you have them now. The more complaints the ICO get the more likely they are to take notice and look more closely at YB. They've had to intervene before to make sure they met their legal requirements.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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Hello All

 

Just reading the posts, I was supposed to get my 6 years statements by 28th feb, that was when the 40 days was up, when I phoned them I got the same response new computer system bla blah blah, Ive now got them back to July 05, and I (foolishly???) gave them extra time, until the 8th March. Should I complain do you think?

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I definitely think that as many as possible should complain to the ICO to put pressure on the bank. They did it to us for long enough.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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  • 4 months later...

Hi all its been a while since i have been on i have been away and computer blew up so just got round to sorting this out,sent out statements and template of here saturday they recieved this morning as i sent special delivery sent them to address given by the ombudsman:

Mr McKirdy,

Clydesdale Bank Plc trading as Yorkshire Bank,

Clydesdale Bank Exchange,

20 Waterloo Street,

Glasgow

G2 6DB.

Just see what happens in 14 days claim stopped short at £1,493.00 will do second claim when successful for another about £550.00.Andy.

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  • 2 weeks later...

Could someone give a little advise as my last thread says sent out statements and first templete no reply yet monday is d day because of this test case of the banks, and them getting a stay of execution on claims would i expect not to hear anything by monday or do they indeed still need to reply,it seems to me that by stalling all claims it gives the banks free range to tie this up in red tape for years until people get fed up waiting, hope its worth the wait and the OFT dont bottle it under the wait of the banks.

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The only claims affected are those where charges are being claimed back via the Financial Ombudsman Service. Business as usual I would say, so stick to your timetable and carry on regardless of what the OFT are doing with the banks.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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I did ring the ombudsman up and he gave me the address i used and they logged it as a complaint mainly because i was recently made redundant and the bank took what i had in my account to cover a small amount of my overdraught and then started charging me £8.00 a day £35 for sending dds back and a £25 pound charge charges what ever the hell that is and this matter is now sorted as i was given all this back and the bank manageress rollocked, although as far as i am aware i am still dealing with my own claim as he gave me the address to send statements a template to

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