Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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

Let me introduce myself


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6471 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I work for a major Bank - but you must appreciate that, and I am confident that this applies to all staff of UK financial institutions, whether they know it or not, that any participation in a messageboard like this would lead to instant dismissal. In fact I believe that the actual rule is so Draconian that setting up a webpage about my dog would require formal permission. Any who work for a Bank and offer advice should, therefore, always be cautious, but never allow arrogant bullying tactics to deter you - as you see, it hasn't stopped me, and I am moderating on another financial forum elsewhere :-D and I have also actively engaged in claims against Banks - so clearly they have nothing to hide :rolleyes:

 

I have no claim to pursue, and no particular axe to grind, and would only seek to offer assistance, where I can, and an insight into things which may come as a surprise to some, and a shock to others. I, thankfully, don't work in an area involved in dealing with accounts (sorry, can't be more specific for reasons mentioned) and have been dumbfounded by the obscenity of some of the cases described on this forum, and it has prompted me to join.

 

Do Bank's scan these forums ?

 

I would be fairly confident that they do. They have media departments who scan for all news articles and reports that may impact on their and other Bank's profiles. I do not imagine that they would be looking at individual cases, more trying to get some overall perspective on tactics and customer attitudes - so it must be pretty depressing reading for them. It is not something to be scared by, and as has been said, the formula works , so their scanning the forum is unlikely to provide them with a 'magic key' defence - just one caveat - don't provide them with insight into your own weakness such as being desperate to settle early.

 

If you claim say £2,000 and this case lands on the desk of an exec and he can get you to settle for £1,500 then he earns a big tick, even though the Bank loses £1,500. If you have set aside claims for other charges it would then be interesting to use any such offer as a prompt to claim the rest - that would make him rush a little more to conclude the original offer more quickly. His interest is purely selfish - if you settle for less he gets a tick - if you get what you want he loses nothing - if his intervention makes the claim grow he gets his aaaaaa*** kicked.

 

I hope I can be of some assistance. I have seen Bank responses in various threads which sound bizarre and I imagine are just plain lies, and there are some general issues such as Bank's fear of regulatory infractions and Basel II :eek: - now there's a nasty thing to say to a Banker. Can't provide account transaction details ? http://en.wikipedia.org/wiki/Operational_risk#Examples - sound like a Basel II non-compliance issue for them to deal with.

 

Knowledge is power - use it.

  • Confused 1
Link to post
Share on other sites

Very interesting thanks for the insight!! and welcome to CAG.

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

Have you PM'd BankFodder to let him know you are registered on this site? As a bank employee you must do so.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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.

Link to post
Share on other sites

  • 2 weeks later...
Have you PM'd BankFodder to let him know you are registered on this site? As a bank employee you must do so.

*************.This is the kind of thing that prevents helpful people like him from offering their help.

 

Why the ******** should he let Bankfodder know whether he is a bank employee??

 

MODERATED: Abusive language

Link to post
Share on other sites

*************.This is the kind of thing that prevents helpful people like him from offering their help.

 

Why the ******** should he let Bankfodder know whether he is a bank employee??

 

MODERATED: Abusive language

 

He should inform BankFodder or dave because it is part of the forum rules.

 

Also the language I have edited out of your post is completely unacceptable and will not be tolerated - this is also part of the forum rules.

 

If you do not agree with our rules then I suggest you refrain from using our forum.

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.

Link to post
Share on other sites

Bank employees are only asked to let us know so that we can track where they look.

 

If you were worried about a claim against say, Abbey and an Abbey employee was looking at your posts where you claimed publically that you were worried and that same employee were checking out your profile etc... wouldn't you want to know about it?

 

...but, as has been said before, everyone is welcome, bank staff included (and even commended for taking the risk to help, although I wouldn't want to jeoperdise (sp?) anybody's job.

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.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

thanks for the insight, welcome to the forum bank employee or not lol

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

Link to post
Share on other sites

Guest NATTIE

I have to say that his sentiments were mine at the beginning, i.e. why would you want to know what I was viewing? However, Bank employees can help the site not necessarily by breaching their contracts but by clarifying some things, for example, how to get your statements on time without the frustration of having to call time and time and time again. Have no problem with it

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...