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    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
    • Received a call and follow on confirmation email from the police about my cabinets! They wanted to confirm that I was prepared to support police action for the matter and that I would be happy to provide a statement and attend court at a later date!!! I think that something might actually get done - it won't get my cabinets back I know that but hopefully it will put a stop to this so called courier doing this to people!
    • Around a month ago I had to send a sympathy card to a friend in GB. Logistically it made sense to buy a personalised one on eBay and get it sent straight to my mate, rather than faffing around getting it sent to me.  This mighty purchase set me back all of £3.05 (including postage costs). I was taken aback that, when it was sent, I got a tracking number.  For a flippin' three-quid card!  I had no idea that technology had moved on so much and that tracking was so easy.  The shop has feedback for 16,300 purchases so tracking must be easy & automatic. It's unlikely your case will get to court, but in cases that do this got me thinking that we need to aggressively challenge the PPCs where they have lied about the timescales of sending their rubbish and have no proof at all of posting - when it would be so easy to provide it.
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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 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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First of all, many, many thanks to all here! Reading your posts has spurred me on to make a start.

 

This month was the final straw. I have a direct debit of £10.99 with UGC (for my son's cinema pass) which goes out on around the 22nd of each month. The trouble is, I sometimes overlook it - my salary is paid into my account on the 26th of the month and most of my other direct debits go out on or around the 1st of the month. I know it's my fault. I know it's my responsibility but sometimes it slips my mind and I forget to leave enough in the bank to cover it. I realise that this takes me over my overdraft limit (£860 - mainly incurred by punitive bank charges I have to say) - but not by much. :-?

 

Anyway, this month, the debit was called for on the 18th of the month and I only had £5 available credit in my account - it would have put me overlimit by about £7. Smile refused the payment and promptly slapped on a charge of £25 ("Commission Unpaid Item) - which immediately put me £20 overlimit and consequently incurred 9 days' worth of £5 daily "overlimit charges" and a £15 "service charge" totalling £85! (£25 the grabbed straight away and the other £60 to be plundered on the 22nd of this month) - all this for going what would have been £7 overlimit!!!:o

 

From the statements I have access to online I've calculated that they've stung me for around £475 in the past year alone so I'm now going to take steps to get my money back. After all, I had to work a damn sight harder to earn it than they have! It amounts to little more than leglised theft and I'm not letting them do it any more.

 

I've read the FAQs and drafted a DPA letter to request statements going back beyond the last year (if you ask for statements via their site they want to charge you £10 each - surely that's an unfair charge in itself - how does it cost £10 to print and send a statement:? ).

 

Can somebody please answer the following question - In order to pay Smile the required £10 for my account data, do I need to write them a cheque, or can I somehow authorise them to take the £10 directly from my account (they don't seem to have any problem dipping into my account the rest of the time)?

 

Anyway, rant over - wish me luck!

 

Glynis

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Hi and welcome to the site.

 

Best to include a cheque, just so they don't stall for time asking you for payment (some banks do this even when you've told them to take it out of your account)

 

Good luck!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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The DPA request will end up with the Co=Op as they own Smile. I did mine by secure message authorising them to debit my account and it took a while and a few phone calls to get them to get there act together. To be fair when they did they agreed to start the 40 day clock running as from the date of my secure message as, in their words, "it should have been actioned from there". Anyway best idea is to send a cheque and avoid the hassle.

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Yeah i sent a cheque and about 2 weeks after the cheque was cashed i recieved all my statements. Its also a good idea to politely enquire about how your request is going, ie hassle them. But dont do it in a mad way, be polite and phone them and leave secure messages.

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Welcome to the forum. Been stung in exactly the same way as you. If you send your letter off in the next few days we should be working to a similar timescale. I sent a cheque, following advice from this forum. Look forwards to hearing your reports back. Best wishes, P_K

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Guest mc661

This is a secure message I have just had from Smile.

(them working at midnight?)

 

Hello Mc661

 

To find a list of charges applied to your accounts since they were opened, you would need a list of the transactions.

 

As most of the statements for the account are not available online after 12 months you would need to request a list of these transactions.

 

A Subject Access Request can be obtained which will be a list of all transactions on the accounts since they were opened. There is a charge of £10.00 for this, and it will need to be applied for in writing from:

 

The Co-operative Bank

Customer Care Department

PO Box 101

1 Balloon Street

Manchester

M60 4EP

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Hello

 

I ahve just totted up my charges with smile from september -£455. Can I include the daily charge of £5 they put on and also the service charge they put on monthly if you are over your overdraft limit?

 

I asked for copies of my statements of 1-65 as i could not view and some one replied back via seccure message saying £10 per sheet --- OMG but I will write off with my £10 cheque and hopefully get them that way - do they just send out the charges or all transactions?

 

Well her goes my start of claiming back those charges good luck everyone!

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Guest mc661
Hello

 

I ahve just totted up my charges with smile from september -£455. Can I include the daily charge of £5 they put on and also the service charge they put on monthly if you are over your overdraft limit?

 

I asked for copies of my statements of 1-65 as i could not view and some one replied back via seccure message saying £10 per sheet --- OMG but I will write off with my £10 cheque and hopefully get them that way - do they just send out the charges or all transactions?

 

Well her goes my start of claiming back those charges good luck everyone!

 

Does it cost them (smile) £5 for each day ur over the limit?

Does it cost them (smile) £XX for the 'service' charge?

 

In otherwords yes you can include them, but if youd have read the FAQ's ud have know that!!!!!

 

Remember to ask in your DPA request to ask for all charges itemised or even better all statements. They can only charge you a maximum of £10 and it is better to send a cheque, Bank statement INFORMATION (not sheets) is classed as 'personal info' under the dpa.

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Use the template in the library section as it is important to ask about manual interventions too. It might be a good idea to read the FAQ's and the step by step instructions so you understand what is involved. Good luck.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi all

 

Just a quick update.

 

 

I've written my DPA letter (with the help of the bank templates section on this forum - thanks peeps) and will send it off tomorrow with my £10, then I can start the 40 day countdown.

 

As a precaution I've moved my direct debits from my Smile account to my NatWest basic account and arranged for my salary to be paid in there as well - just in case Smile take the hump - I can always move them back if they don't but I like to work on the side of caution.

 

So, watch this space and thanks for the support and encouragement. I'd like to echo the sentiments on here about reading the FAQs and using the document templates. Thanks to the originators of those for making it so much easier for the rest of us!:)

 

Cheers.

 

Glynis

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Nice one Glynis. The 40 days starts the day they receive payment, so give it a couple of days before you start counting.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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