Jump to content


  • Tweets

  • Posts

    • Hello, I'm wondering if someone can advise me on something. I'm appealing an order and have been asked to submit an appeal bundle and the below points are required to be included: 1) transcript of the judgment of the lower court on other record of reasons.  2) Statement of case. I'm wondering if anyone knows that "on other record of reasons" means. Also for statement of case would it just be a long document covering the reason for the claim, the findings of the lower court, why it was wrong and what I seek instead?   Thanks,
    • Hello, Thanks for the advice. I asserted my rights to reject and they accepted it and said they will refund me the full amount.  My question now is how long do they usually take to collect the vehicle? I've made it clear that I'm available for them to collect it whenever and I've been told its been passed on to the collections team. I chased it up today as its also raining heavily at the moment.  I just wondered if anyone had any experience on how long they usually take to collect? I'd obviously like it collected as soon as possible as I need to purchase another car.  Is it likely they will drag on the process of collection and what can I do if they do?  Thanks!
    • Why are FCA’s “name and shame” proposals causing a stir?View the full article
    • I am coming back to this thread after receiving a Single envelope containing 2 letters: 1 from Max Recovery telling me that my account was transferred to Drydens Fairfax in 2007 1 from Drydens Fairfax telling me that they are under instruction from their client to seek repayment.   These relate to a Barclays Overdraft from the early 00s, last payment through PayPlan was 04 June 2019, but neither of the letters are from Barclays themselves.   I have informed Drydens in both May 2019 and June 2023 of changes of address. No letters beyond a confirmation of the change and a request for finanical details have been received, which ive ignored.   What i was wanting to know is do i just ignore these as per previous advice? I know that i cant CCA an overdraft debt but what is the usual "plan" for dealing with old overdraft debts? Am i trying to run the clock down until June 2025 when it becomes statue barred?
  • 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
  • Recommended Topics

Glenny boy v Morgan Stanley


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

Thread Locked

because no one has posted on it for the last 6163 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

  • 2 weeks later...

Sent S.A.R on 13.03.2007 to:

Data Controller

Morgan Stanley Bank

25 Cabot Square

Canary Wharf

London

E14. 4QA

 

Received stroppy phone call today from customer Liason Dept asking for my security details.

Told them that I didn't see why I should give it to them, especially as they phone from a withheld number.

Anyway, I climbed down so as not to delay matters. They stated they are dealing with the matter as quickly as they can.

 

Yeah, right!!!

Link to post
Share on other sites

  • 2 months later...

Have just had a win against Egg and now going for Morgan Stanley.

 

Feeling brave and going for fees with contractual interest throughout this time.

 

I am using Vamp's spreadsheet, which adds everthing up brilliantly.

 

BUT....where it says Interest, do I put in the monthly rate ( which confusingly is 1.167% purchases and 1.496% cash advances in December 2002) or times it by 12 to get the annual rate?:confused:

 

Because of the info they sent me I cant work out cash advances from purchases, so I was going to go down the middle.

 

Apart from that I am feeling confident!!!!!!

Link to post
Share on other sites

UNless it has been revised, Vamp's spreadsheet for compound interest has a mistake in it and calculates too high a figure. The longer the time period between the chareg and the claim, the bigger the error. I advise youcheck it using Mindzai's spreadsheet (see bottom of theis post http://www.consumeractiongroup.co.uk/forum/show-post/post-203738.html)

 

Yoiu put in the APR. You do not multiply the monthly rate by 12, that is/was the mistake in Vamp's spreadsheet.

 

The formula is (1 + monthly rate)^12 - 1. The '^' is shift+6 on the keyboard. If you use a scientific calculater the function to use is ysupercriptx (sorry this editor won't allow me to write it as you see it).

 

Steven

  • Haha 1

 

 

Link to post
Share on other sites

  • 3 weeks later...

Have submited a request for £420.00 plus £66.81 interest .

 

I have now received a reply from Arlene Linnie, Customer Liaison Officer, stating that their charges are fair trasparent blah blah, and a full and final settlement of £208.00. being the difference between charges and £12.00.

 

Along with this she states :

" We do not recognise the value of your interest credit request as any payments made to an account following the application of a fee are automatically applied to reconcile any outstanding fee(s) followed by interest before being processed against any account balance. This is in accordance with our payment hierarchy system. The recent Office of Fair Trading ruling did not accept your refund interest request."

 

Is she correct? :confused:

Link to post
Share on other sites

Thanks Noomill

 

What a fantasic thread!! Hope I can be as tough as you were.Have told them they are off to court.

 

About time these t**sers were taught a lesson. Have spent hours juggling with various banks/cards last week. Looks like most cave in towards the end.

 

We really need a league table of the most incompetent ones.

Link to post
Share on other sites

Hi glennyboy, I dont think I was tough, I just didnt accept the crap they came up with and gave like for like, (with the assistance of the lovely CAG members who had done Morgan Stanley before!)

 

Its all just waffle and MS know it. They just try to baffle everyone with bullsh!t.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...