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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.
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      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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bankcomplaints firm


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Hi there,

 

I was wondering if any of you had, had dealins with a company called 'Bank Complaints' run by a man called Martin Knipe?

 

If so, what are they like?

 

With kind regards,

 

Wills x

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I wouldn't have anything to do with this lot. Or any of the other no win/no fee brigade.

 

Their website seems intent on compounding your fears about the process of reclaiming YOUR charges back. THIS site does exactly the opposite. It shows you that YOU are now in control, and CAN do it all yourself.

 

Start a thread in the forum for your own bank, tell your story, and above all, spend time reading around the site to see what others have achieved. And how YOU can do it too.

 

SELF HELP IS GREAT FOR YOUR SELF ESTEEM. :D

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Nver had any dealings, but as they are obviously a profit making firm, I would suggest that if you want your charges back (without champertous (does that word exist?) dealings), I would just read the info here and get them back - for free!

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

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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Quite right! you dont want the bank to profit from YOUR money so why should these companies profit from YOUR money!

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hey everyone,

 

Thank you so much for all your replies. I do appreciate your support. I took the bull by the horns last year and spent in excess of 4 months battling with my bank, to only be told in short 'get lost!' I followed your processes to the T but they just kept saying no. Maybe it's time I started again. The problem is the charges mount up to over 5K and they just don't want to give it back.

 

Have any of you managed to successfully claim back this amount of close to it? If so I'd really appreciate any advice you have to give.

 

With kind regards, thanks again.

 

Wills x :???: :???: :???: :???:

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Hey everyone,

 

Thank you so much for all your replies. I do appreciate your support. I took the bull by the horns last year and spent in excess of 4 months battling with my bank, to only be told in short 'get lost!' I followed your processes to the T but they just kept saying no. Maybe it's time I started again. The problem is the charges mount up to over 5K and they just don't want to give it back.

 

Have any of you managed to successfully claim back this amount of close to it? If so I'd really appreciate any advice you have to give.

 

With kind regards, thanks again.

 

Wills x :???: :???: :???: :???:

 

Where were you trying to claim Wills, Scotland or England? If it was England, you really shouldn't have had any problems, and should really have seen this go to court to get it sorted. NO just isn't an option for them if you really did follow the advice all the way through here.

 

If your final reply from the bank was less than 6 months ago, you are entitled to complain to the Financial Ombudsman in relation to your initial claim. That's the way I would go now if your bank hasn't paid up. Despite the scare story on the site you have mentioned.

 

Don't give up. They just can't win. I'm over 3 months into my claim, and there's no way I'm giving up. It's MY money, NOT theirs.

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  • 11 months later...

I have just discovered my sister is using them to reclaim (no idea why though) she started the claim about the time i did at the end of 2006! i got my money in 3 months. She is still waiting. Surely this company are a [problem]? If they stuck to the timetable she would've got the money before the OFT case started as I did.

She now doesn't know what to do, they have her bank statements for a start.

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  • 5 months later...

Now then, I received £1500 back off HSBC last year through this company. YES they do charge, but if like me you dont have the time, ability, knowledge or patience to battle your bank yourself, it's still a small price to pay. WHAT?? 25% SMALL? well i got over a grand back that I thought I didn't have at all - still a bonus to me.

 

For those stating that it has taken ages: all bank charge claims were suspended last year and will not resume until the court cases have been completed and an outcome reached (which, by the way, is in OUR favour - Martin Knipe's company does provide all its subscribers with regular updates as to all of the necessary information regarding this).

 

Again, yes 25% fee may seem steep but it does cut out a lot of time and hassle if you can't stomach it. However, their services ARE very effective, and due to my experiences, I won't have a bad word said against them UNLESS you have personally had bad experience. Too many people comment on things they have not experienced, and it makes it much harder to find a product or service that we WILL trust. Please let people judge this company for theirselves (Bank Charges & Martin Knipe), unless someone has had a bad run (which i'd like to hear about).

 

Regards

 

Chris

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now why would you be coming here, digging up old threads, and posting an ad for a no win no fee crew on a self help site? perchance you work for them?

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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now why would you be coming here, digging up old threads, and posting an ad for a no win no fee crew on a self help site? perchance you work for them?

If you want to pay someone to do what you could easily do yourself, then that's upto you.

Our users, however, joined this site to get the information, etc. to do the job themselves.

 

They can and do reclaim their money, probably faster than the ambulance-chasers.

The difference is that they get to keep EVERY PENNY themselves.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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:eek::mad: NO I DON'T work for the company. I am merely tring to point out that you can't go around discrediting businesses that offer a service without a basis or your complaints.

 

I run an IT business, and I provide some basic services that many of my customers could perform themselves. Does this mean that I'm wrong for advertising these services? Is it wrong for public transport to offer short distance services where people could easily walk? Is it wrong for greengrocers to sell vegetables when most people could grow their own? NO.

 

Yes, I agree that it can be done on your own for free, and yes it's great that the help and information is here to assist people in doing just that, and yes, I wholeheartedly believe in recommending that people go about it in this way. But, regardless of who you are, you CAN NOT slate a service offered without reason. It is up to the people who need these services which route they take, and recommending they do it themselves by trying to discredit the services someone else offers without basis other than cost, is no way to go about it.

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Yes, I agree that it can be done on your own for free, and yes it's great that the help and information is here to assist people in doing just that, and yes, I wholeheartedly believe in recommending that people go about it in this way. But, regardless of who you are, you CAN NOT slate a service offered without reason. It is up to the people who need these services which route they take, and recommending they do it themselves by trying to discredit the services someone else offers without basis other than cost, is no way to go about it.

 

I think you may have just answered your own argument here - nobody is 'slating' the company and the only argument against using them has been the cost (well the only one mentioned so far!). I agree that people have the choice which route to take but they must be in full possession of the 'facts' before they do so - so to point out that this can all be done without charge is scarcely 'slating' the company.

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I have just discovered my sister is using them to reclaim (no idea why though) she started the claim about the time i did at the end of 2006! i got my money in 3 months. She is still waiting. Surely this company are a [problem]? If they stuck to the timetable she would've got the money before the OFT case started as I did.

She now doesn't know what to do, they have her bank statements for a start.

 

All claims management companies must be regulated by the Ministry of Justice - Claims Management Regulation, Monitoring & Compliance Unit - CMR: Claims Management Regulation. If your sister has a complaint, she should raise it first with them and then with with the unit.

 

They released guidance a while back that all companies dealing with bank charges must advise their clients what is going on with the test case and the ongoing issues. They must also keep their clients informed.

 

There has been a problem that these claims touts [and I mean the touts who call you up at home] have been putting their address in the service address for claims against banks. This is against the Civil Procedure Rules [CPR] & Practice Directions [PD's]. The only addresses that can be put on court documents for service of documents are the Claimant's / Defendant's and their Solicitor's [or with an underage claimant/defendant or mentally incapacitated claimant/defendant the parent or guardian as a 'litigation friend' normally - except where the rules dictate - with permission from the court]. The claims were therefore struck out and the touts claiming the costs from the customers.

 

Check first that they are approved and still in existence. If you have any problems call them - number on website - and they will help.

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:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

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