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    • thought your story rang a bell. https://www.consumeractiongroup.co.uk/topic/416315-knightsbridgecreditfix-iva-treated-me-very-badly-thinking-of-bk-now-help/ you vanished and never cameback. dx  
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    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
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claiming excess charges from an account i have since closed?


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I used to have a Natwest account which after a large debacle about charges, i closed around 3 years ago.

 

I still have the sort code however no account number. my questions are thus:

 

i predict that the total of charges in the last 6 years from there will be over £1000 simply through over agreed overdraft limit. basically i went 9p over my overdraft and they charged me constinuously £20 over and over again until i was around £300 in debt.

 

as i was in the navy and at sea, i did not recieve any letter or phone calls informing me of this, and they would not talk to anyone else as i was the only resgitered account holder.

 

when i came back i had to pay it all off and because of their messup i closed the account.

 

what is my standing on claiming statements from that account?

 

can i reclaim charges from a closed account?

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I used to have a NatWest account which after a large debacle about charges, i closed around 3 years ago.

 

I still have the sort code however no account number. my questions are thus: see natties stickie above

 

i predict that the total of charges in the last 6 years from there will be over £1000 simply through over agreed overdraft limit. basically i went 9p over my overdraft and they charged me constinuously £20 over and over again until i was around £300 in debt.

 

as i was in the navy and at sea, i did not recieve any letter or phone calls informing me of this, and they would not talk to anyone else as i was the only resgitered account holder.

 

when i came back i had to pay it all off and because of their messup i closed the account.

 

what is my standing on claiming statements from that account?you can claim

 

can i reclaim charges from a closed account?

YES you can

 

 

 

Good luck

 

Scott

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  • 1 month later...

I am in a similar position £3k estimated with **atwest bank, I've written thr request letter for info, as I too have sort code but no acc. no. got a lovely letter this morning saying, fluff fluff and NO! we hols info using numeric codes for account ID, please write back when you know your account number. Does anyone have a sample letter for this response?

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Give them the codes that they'll need to access the old account number - see here http://www.consumeractiongroup.co.uk/forum/natwest-bank/28533-how-find-account-number.html (this was written by a current nat west employee - so information is accurate).

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Claire

 

Don't bother withteh branch. write to Glasgow for your statments and to Borehamwood with your prelim letter and LBA

 

Address here

 

Steven

 

If this post is helpful, please click the scales

 

 

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Thanks, I have written to the Edinburgh address asking for S.A.R - (Subject Access Request) info. the reply was, " sorry we need your account no AND sort code" I have successfully claimed £4k from halifax, but that was an open account, this is proving to be harder as i feel they are holding me back at the first fence! When I send my next letter, later today, would you advise sending it to Edinburgh again, saying " you now have 20 days left to find the info" or to Borehamwood ( trouble is I don't know the account no yet...) saying Hi, you need to find my account details......thanks for all the help out there!

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the reply was, " sorry we need your account no AND sort code"

 

THat's rubbish. They di need to be able to identify you (obviously) but they can do that from your name and address(es) - the account details are part of the data they hold on you and it is part of their duty to supply it to you

 

would you advise sending it to Edinburgh again, saying " you now have 20 days left to find the info" or to Borehamwood

 

Send it to Edinburgh (not Glasgow as in my previous post, Doh!) Yes, say that.

 

Steven

 

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  • 2 weeks later...

Just got reply letter, " thankyou for requesting copy statements.....unable to process request....refer to instructions below...the fee for this service is £5...( a £10 cheque was posted 31 days ago....) •from the information provided we are unable to tract the accounts requested, natwest uses only numeric codes for id of accounts...please supply us with a valid 6 digit sort code ( done ) and acc. no. Please let us know your branch name ( done ) and any dates your accounts were opened or closed ( done ) " we are now 9 days off 40 day period.....Hmmm

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