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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
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    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 160 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

Sage v NatWest. **I WON!!**


katesage
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VICTORY AT LAST!

 

Full payment. No confidentiality request. :grin:

 

Thank you to everyone who has supported and helped me through the last 5 months. I've learnt so much from you all. Feeling quite emotional, didn't think I'd get there BUT you do! All you newbies feeling nervous....Go For It!:lol:

 

Party in Chat Room this evening. All welcome! Bring a Bottle!

 

 

CONGRATULATIONS KATE

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Thanks Guys

 

it feels really great for it to be over, perhaps now i shall crack on with my other claims.

i just re read all thru my thread....it went on a bit!

 

i owe huge thanks to barracad for all that great advice, i really appreciated it.:-)

 

I just filled in the survey, can't believe that Natwest took it almost to the wire but it does seem that the higher the claim...the longer they muck you about.

 

Good luck everyone else.:grin:

  • Haha 1
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WELL DONE KATE xxxxx:lol: :smile::lol: ;-)

Enjoy it!!!!

welly;-)

  • Haha 1

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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:-) :-) WELL DONE YOU! CONGRATULATIONS

 

It's a great feeling isn't it? I have two friends now willing to make a start on their journey (with this site's help) one was downloading copy statements at work yesterday and the printer nearly blew up!! lol - however her total was just short of £4000 so she's really excited. Still encouraging more people to do so. O-B

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Guest Scarletrose

WELL DONE KATESAGE i am so happy for you just in time for an xmas shopping spree, when i naively started this just a few weeks ago i thought i would have mine in time for christmas, but now i realise anything from natwest at anytime is an enormous victory well done again and ta ta for now.:grin: :grin:

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Congratulations Katesage!!! Enjoy every penny - you earned it (twice!!)

I'm just starting the MCOL stage but hopefully with the help of this site and the continuing success stories all will go to plan.

 

We love it when a plan comes together!!!!

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Hi, Kate

 

Just catching up on threads so just found out you WON!!

Many congratulations. Your expereience gives me (and all, I expect) heart and I hope it rubs off on me!

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Guest Scarletrose

hi katey love the smileys so does my offspring, i have tried to download it will check if succesful wen i go to browser.... by the way thanx for the bump thing do ihave to do it or will wot u did for me suffice? cheers me dear

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HOOOOOOOOOORAY for you Kate :D As Above for Crimbo etc and best of luck with all your ventures and thanx for your help

 

Pixl xxx

[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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  • 1 month later...

CONGRATS Katy and well done...remember me?

 

Just been scanning through my thread and came accross your 1st post to me, it read " im way behind you..." and guess what?

Just like elton john........ Im still waiting?

after being granted a judgement, they then filed a defence 2 wk late, then had judgement set aside, blah blah!

good news is received a offer of half last week so just waiting.......n... waiting.......wish they'd get a nelly on as I lost my xmas vouchers to FAREPACK!! to say refund will come in handy is a understatement,

Anyway well done again and thanx for your help

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  • 2 months later...

Hi I have read all your letters with great interest. I have been thinking I may claim charges for a few months as I am a carer on low money and have paid out about £600 over the past 6 years. These charges pushed me into debt so my credit rating was very poor, leaving me unable to get an overdraft and very stressed. I was let off charges a few times, I think only once a year was mentioned. Is it too late to claim? also can anybody tell me or direct me about claiming online? Finally what will happen if loads of people do this? Wont other banks be wary of giving me an account? Will my branch close down? whats the percentage of a branches poorer accounts? I do feel exploited though especially when I hear how they have made a very good profit this year.

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Hi Patriciago

 

Welcome:)

 

The first step is to read the FAQs. start with the step by step bit.

 

Yes you can reclaim all charges over 6yrs, you havent left it too late.

 

After you have written to the bank twice asking for your money back, if they havent refunded, then you can sue using the Online Court, Moneyclaim.

 

With a low amount like £600, they'll probably pay up soon though.

 

Thousands of people are reclaiming, it wont affect your chances at all. you WILL get your money back.

 

Dont worry about the banks...they'll be just fine!

 

Start a thread of your own in the Natwest forum and people will come and give you specific support.

 

Loads of luck and best wishes xxx

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