Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • 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
      • 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
        • Like
  • Recommended Topics

FOS fact sheet following OFT test case


madmaxctr
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6144 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

http://www.financialombudsman.co.uk/faq/bankcharges-testcase-quickguide.pdf

 

Some usfull info in the fact sheet.

 

But the banks have been given permission from the FOS to freeze ALL complaints about charges until the test case is over, but they need to keep us informed along the way.

 

If you've had an offer that should still stand but apart from that its going to get frozen. :x

 

 

Luckily i've just had a full offer from Lloyds via the FOS about 2-3 days ago, so would appear i'm one lucky SOB. :lol:

 

MadMaxCTR :cool:

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

& those of us who filed their claim a fortnight ago know exactly what will happen 18 months down the line:

 

In heavy saucepan over low heat, melt chocolate chips with sweetened condensed milk and salt. Remove from heat; stir in vanilla. Spread evenly into aluminum foil lined 8 or 9 inch square pan. Chill 2 hours or until firm. Turn onto cutting board; peel off foil and cut into squares. Store loosely covered at room temperature.

 

...Yep a BIG FUDGE; cynical. moi? :p

Link to post
Share on other sites

& those of us who filed their claim a fortnight ago know exactly what will happen 18 months down the line:

 

In heavy saucepan over low heat, melt chocolate chips with sweetened condensed milk and salt. Remove from heat; stir in vanilla. Spread evenly into aluminum foil lined 8 or 9 inch square pan. Chill 2 hours or until firm. Turn onto cutting board; peel off foil and cut into squares. Store loosely covered at room temperature.

 

...Yep a BIG FUDGE; cynical. moi? :p

 

:lol: something like that.

 

I think you need to pre-heat for 12 months and then simmer for 18.

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

well i had letter from FOS in June to say they were dealing with complaint, i was hoping it would be all sorted by the end of aug:confused: so realistically am i looking at waiting at least a year and half now before the 'decision'?

 

I was in the same position as you. I called them this morning to see if my claim was frozen and they said they had written to me 2-3 days ago with an offer from Lloyds.

 

So give them a call as you might be lucky and have an offer on the way, if not you'll unfortunately have to wait.

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

Hi guys so sorry to interrupt, if I've had an offer letter will I still definately get my money? It hasn't gone into my account from 2 weeks ago!

 

Through the FOS?

 

From what there fact sheet says, if an offer was made/accepted then it still stands.

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

Sorry mate, had no dealings with ****

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

I am currently trying to reclaim unauthorised overdraft fees from my bank, what happens to my claim?

 

The banks and building societies have been given permission by the Financial Services Authority (FSA) to put your claim and those of thousands of other consumers on ice.

In short, you will have to wait for the outcome of the case between the OFT and the banks.

 

If the OFT wins you are likely to get your money back, if they do not you probably won't.

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

Had an offer fron Sc&M, can't seem to find the correct info could anyboby point me in right direction ?

 

01273 205381

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

Nicsussex - have you got a linky for that. Just interested to see what they say.

 

sianie012 - I have no idea what will happen. I imagine the courts will probably stay the claim until the high court case is finished, but you never know with local courts and judges.

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

 

Ta Nic,

 

Thats good news then. Offers still stand. :)

 

Am i right in thinking that this test case is on overdraft excess fees ONLY, so credit card claims are still ongoing. Thats what i picked up from that Lloyds link above. Any know????

Settled:

Lloyds TSB - SETTLED IN FULL £2094

MBNA/Abbey Credit Card - SETTLED IN FULL - £460

Sainsbury's Bank Credit Card - SETTLED IN FULL - £50

Ongoing:

3 credit cards,

EGG - £220 - With FOS

MINT - £20 - With FOS

Captial One - £340 - With FOS

Link to post
Share on other sites

I also have court on 9th August!

 

Think i'm going to see if anything comes in post (unlikely with bloody strike) and call courts and check the day before!

Kim v Lloyds TSB

Claim for £747.37

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...