Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

  • Our picks

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

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Getting bank charge amount from Clydesdale

Paul -C-

By Paul -C-
in Other Institutions

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1869 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

Paul -C-

Paul -C-

Posted
Posted

I sent this letter to my Clydesdale bank manager:

 

Dear *******,

As an official request under the Data Protection Act, could you please send me details of all bank charges made against my account over the past 6 years?

 

Account: *******

Sincerely,

They replied saying that 6 years of statements would cost me 360.

 

I've replied with this more formal letter:

Dear *******,

MY ACCOUNT: ******

I sent a letter to you on the 26th February, requesting details of bank charges made against my account in the past 6 years, under the Data Protection Act 1998. I received a reply asking for 360 for this information.

 

The Information Commissioner states that any information listed in a bank statement is personal information protected by the Data Protection Act. The Information Commissioner also states that a maximum charge of £10 can be made for a request of these details. I am now within my rights to report you to the Information Commissioner for a breach of the Data Protection Act.

 

I am enclosing a cheque for £10 and also making one final request for a complete list of transactions and charges relating to my bank account in the past 6 years. Alternatively a complete set of bank statements for that period will be acceptable.

Sincerely,

 

Does this letter sound ok?

 

Also, has anyone had any success with the Clydesdale Bank yet?

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Very good.

Quite frankly I think that we should start reminding them that they have a fiduciary duty towards you and that a demand for £360 while failing to reveal your rights under the DPA amounts to a breach of this fiduciary duty.

Link to post
Share on other sites
Paul -C-

Paul -C-

Posted
  • Author
Posted

Ok I have an update...

 

I received this letter, in reply to my last letter sent (listed above)

 

Dear xxxxxx,

 

Thank you for you recent letter which has been forwarded to this area by xxxx as we are responsible for Data Subject Access requests.

 

Under the Data Protection Act you have a right to see what our organisation holds about you, this is known as Data Subject Access Reques, which entitles you to be told if any personal data are held about you. This information should include what sort of data we hold, the purposes for which the data are processed and the type.

 

Application for copy statements does not fall within this policy, and must be ordered through your branch seperately. I have therefore returned your cheque for £10.

 

Sincerely

 

xxxxxx

 

 

The letter also came with a phone number, so I called it up. When I spoke to the same girl who sent the letter I explained that I thought she misunderstood me. I wanted a list of the charges, but would accept a copy of the statements as substitute. She then told me that the bank doesn't hold any info about the charges. She could maybe bring up the last few on her screen, but that's all. She said the only way to get that info would be requesting statements, which aren't covered under the Data Protection Act.

 

Is this true? If I want to get the bank charges info then I need to pay £360 for the statements, because the bank doesn't hold that information seperately?

Link to post
Share on other sites
richardc

richardc

Posted
Posted

Yes this is true. Use the DPA letter in the Library to request of list of charges and details of any manual intervention in the account

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

Link to post
Share on other sites
richardc

richardc

Posted
Posted

Write to them and tell them that you did not ask for copy statements.

 

Tell them that unless you receive the data requested in your last letter you will be making a formal complaint to the IC

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

Link to post
Share on other sites
Paul -C-

Paul -C-

Posted
  • Author
Posted

Dave, she told me the information is only held in statements.

 

She also said I can't request statements through the DPA, so I'd have to pay 12 x 6 x £ 5 = £360 for a copy of them.

 

How shall I proceed with this?

Link to post
Share on other sites
Paul -C-

Paul -C-

Posted
  • Author
Posted

I decided to give her one last try on the phone.

 

She basically said the data held in statements is only held in the statements, not in any sort of database.

 

She said the only way to access the bank charges info would be to request statements.

 

She then told me to contact the Information Commissioner if I was unhappy with that. So I'll be doing that later.

 

Thanks for the help guys!

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Little bank - little minds

Link to post
Share on other sites
diddled

diddled

Posted
Posted

Telephone Nigel Green Direct

Telephone number used to be 0141 952 2732, dont know if this number is still current

He is/was NAGE (National Australia Group Europe) senior compliance manager

Link to post
Share on other sites
  • 1 month later...
JMio

JMio

Posted
Posted

Has anyone had any joy with contacting this Nigel Green guy?

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

Link to post
Share on other sites
  • 12 years later...
Paul -C-

Paul -C-

Posted
  • Author
Posted

This topic was closed on 03/06/19.

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 their.

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 1869 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.
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...