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    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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    • If you are buying a used car – you need to read this survival guide.
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      • 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
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      • 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
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uberdave v Natwest


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I'm just introducing myself to the forum, as I am about to embark on the process of trying to reclaim my bank charges. I bank with Nat West. I have ordered all of my statements from the last 6 years. Some have arrived (about 4 years worth) and the rest are due tomorrow. Adding up all the charges so far (and I'm including anything that has "charge" written next to it) totals over £1200. Obviously, there will be more to come! Hopefully, this forum will be able to help me through the process of claiming this money back. I am off work sick at present and would be unable to cope with paying court costs or anything similar, if it did come to this. So, hello all. I hope I'm going to find some help here!

Thanks

 

David

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Hello uberdave and welcome to CAG. :)

 

You have certainly come to the right place, where you will get lots of help and support to recover what is rightfully yours.

 

This is the welcome forum. I suggest you post your message again on the NatWest forum, where you will make immediate contact with all the others curently dealing with that bank. They are the best people to advise you directly.

 

You will find this from the forum homepage

http://www.consumeractiongroup.c o.uk/forum

where you will also see links to FAQs and many other sources of background info that you must study.

 

The NatWest forum itself will show you what's going on with the other claims, and the stories of those who have already won.

 

There is also a live chatroom for general queries, or just to meet people and discuss the issues.

 

Welcome aboard and enjoy the ride :grin:

 

Varangian Guard

take no prisoners

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Welcome to the site Dave and great to see you have started the ball rolling.

All the tools help and advice is on the site and you join 130k+ others who have realised its time to turn the tables.

I suggest having a browse through the Natwest threads should enlighten you more.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I'm just introducing myself to the forum, as I am about to embark on the process of trying to reclaim my bank charges. I bank with Nat West. I have ordered all of my statements from the last 6 years. Some have arrived (about 4 years worth) and the rest are due tomorrow. Adding up all the charges so far (and I'm including anything that has "charge" written next to it) totals over £1200. Obviously, there will be more to come! Hopefully, this forum will be able to help me through the process of claiming this money back. I am off work sick at present and would be unable to cope with paying court costs or anything similar, if it did come to this. So, hello all. I hope I'm going to find some help here!

Thanks

 

David

 

(this is also posted on the welcome page, but reposted here as suggested by 'Varangian Guard')

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Hey uberdave - welcome on board mate!! You're definately in the right place now if you're claiming back charges from Nat West!

 

Just to help you with which charges you can and can't claim, have a read through Nattie's stickies (top of the Nat West forum page) - he explains all about the unarranged borrowing fees, card misuse payment fees, etc.

 

It's hit and miss at the moment as to what stage Nat West are paying out.......... some are given 'goodwill payments' at prelim and LBA stages, whilst others are having to go the whole hog and take them to court. Hopefully, you'll have a success before the court stage - fingers crossed for you!!!

 

Good luck mate - and if you need any help, advise, support or encouragement......... just post on this thread and you'll find there's always someone around to help out. Best wishes, hedgey xxx ;)

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

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I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Good luck mate - and if you need any help, advise, support or encouragement......... just post on this thread and you'll find there's always someone around to help out. Best wishes, hedgey xxx ;)

 

Thanks a lot hedgey. I'm at a bit of a loss with how to start all this at the moment, so it's good to know I can get advice. Hopefully, the rest of my statements will arrive tomorrow, so I'll be able to total up the relelvant charges and get my first letter sent off.

Cheers again

 

David

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Hey Dave - it's really confusing at first isn't it? But don't worry, you're in the right place!!!

 

Have a good luck at those two threads I mentioned before- they really do give you a comprehensive list of what you can and can't claim (especially if you have or have had an Advantage Gold account).

 

When you've got all your statements, the only advice I can give you is to go through them with a highlighter pen at least 3 times - it's so easy to miss charges off them the first one or two times!!! And you'll probably be really surprised to see how the charges have mounted up over the years too!!!

 

Let us know how you get on once your statements arrive - and make sure you send your prelim letter (with schedule of charges attached - 8% interest column hidden) to Stuart Higley at the Borehamwood address, recorded delivery (only costs a quid!!). Good luck - see ya' soon, hedgey xx :p

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Your posts now moved here to Natwest group to update on your progress.

2 threads merged

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i'm still waiting for my second batch of statements to come through, but from looking around here it appears as if I could be claiming back further. I originally just went into my branch to request statements. Do you think that I should go into my branch again to request statements predating the 6 years back that I have already ordered? Do you think there will be an additional fee for this? (money is a bit of an issue for me at present). Should I write instead of revisiting the branch? And how far back should I be investigating? I graduated in 1999, so there will be no charges prior to that, as I had a student account. In fact, I think I may be clear for the 3 years after this too as it was a graduate account then...

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  • 2 months later...

i've now receieved all my bank statements, have highlighted all the relevant charges and am getting ready to start this process in earnest. Whats the next stage? Put all these charges into the spreadsheet?

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