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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Bank Charges Campaign Continues


caro
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Courtesy of Stella Creasy MP.

 

It is now very expensive to be a member of the squeezed middle in this country. Vince Cable once accused the high street banks of “ripping off” their customers. But given the chance to do something, the government has instead today reneged on previous coalition commitments to act on “unfair” bank charges and cap the excessive costs of credit cards and store cards.

 

In 2006 an OFT study showed a third of all bank profits from current accounts came from “unauthorised overdraft charges”. The government claim that the situation has improved since then as industry pressure has seen charges reduced – from £35 to an average of £14. This is small consolation to the millions of people now regularly going into the red. The numbers who say they are likely to use an unauthorised overdraft has nearly doubled this year, from 900,000 to 1.6 million. Even with downward pressure on charges, research showed that customers are being charged an average of 167% a year on unauthorised overdrafts, once fees and penalties are taken into account. Little wonder the legal loan sharks claim justification for their activities, by arguing that they are cheaper than relying on your bank.

 

Full article here. http://labour-uncut.co.uk/2011/11/21/loan-sharks-the-governments-gonna-need-a-bigger-boat/

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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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  • 1 month later...

 

 

:-D Good to see this was sorted, please don't stop there though!

 

http://www.thesun.co.uk/sol/homepage/news/politics/4017096/Ministers-to-ban-excessive-card-charge-fees.html

 

Keep the faith:-D

Edited by determindator
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Nice early Christmas present. A shame that the Vickers report didn't take a firm stance on bank charges though.

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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Banks are charging more than PDL companies for unauthorised overdrafts - up to 800,000%!!

 

http://www.bbc.co.uk/news/business-16002022

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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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I see that BankFodder has some ideas on fighting the banks using BCOBs based on fairness.

 

It'll be interesting to see how this goes. In my view charges are clearly unfair, but unfortunately it's not me who has to be convinced. It'll be interesting to see the theory tested.

 

Let's hope it's a good new year for everyone who's been screwed by the banks!!

 

http://www.consumeractiongroup.co.uk/forum/content.php?825-BCOB-the-hidden-rules

 

http://www.consumeractiongroup.co.uk/forum/content.php?826-How-Can-BCOB-Protect-You-From-Your-Bank-s-Unfair-Treatmen

 

http://www.consumeractiongroup.co.uk/forum/content.php?824-Does-your-bank-play-fair

 

http://www.consumeractiongroup.co.uk/forum/content.php?827-Examples-of-unfair-treament

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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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Even more good news Caro:-D Must keep it all flowing into the New Year 2012, that special year where the bad world could end and a good world begin. Talking about fairness, I recently spoke to Santander who told me they offer various mortgage rates to customers depending on their risk. Basically the higher the risk. the higher the interest rate! Greece was mentioned and how lending rates to them would be high. I said 'well then even less chance of the lender getting their money back then!' Had a philosophical conversation and said to them 'If you treated everyone the same which is fair and gave the best possible rates, the sub-prime lending would never have existed and not cause the implosion it did (BTW I hear FM + FM are being prosecuted for their role in this demise) If you give the best rates possible to everyone then it is more clear who cannot afford repayments, not give extortionate rates and say you can't afford it. How ridiculous.

 

Same with Bank Charges, making it worse for those who can least afford it. When will the Banks be made to charge the amount it actually costs to return or pay an unpaid item for lack of funds?

 

I'm so glad Bank Fodder is moving mountains:-D

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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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  • 3 months later...

:-DMike Dailly is still very much on the banks case. Not only has he got Santander to fold and pay back charges

 

Unfair bank charges update from GLClisten_en_uk.gif

 

 

banks.jpg

GLC has settled a claim in full for the refund for overdraft charges with Santander UK plc. The claim was settled extra-judicially after proceedings had been raised utlising new legal and factual arguments.

 

Some of these arguments (but not all) are scheduled to be tested in the cases of Reid v. Clydesdale Bank plc, and Sharp v. Bank of Scotland plc.

 

A debate will take at Glasgow Sheriff Court on 2 April 2012 in the case of Reid v. Clydesdale Bank plc, with GLC's Mike Dailly appearing for the pursuer, and Clydesdale's in-house legal team and counsel appearing for the defender

 

 

 

he's also been busy with the BBA. http://www.fs-cp.org.uk/publications/pdf/md-bba-complaints-speech20120315.pdf

 

Keep up the good work Mike!!

The Consumer Action Group is a free help site.

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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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  • 3 weeks later...

Maybe we should be looking further afield for hope ...

 

http://www.sven-giegold.de/2012/high-level-banking-conference/

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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  • 1 month later...

Looks like the tide is finally turning!! :cheer2::cheer2::cheer2:

 

http://govanlc.blogspot.co.uk/2012/06/glc-unfair-bank-charges-update-phase-2.html

Edited by the_shadow
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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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Doesn't it just!!

 

It's been a long time coming but I always knew it was inevitable. There is no way on this earth that bank charges can be right!!!!

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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Is there any reason I can't view that link? http://www.consumeractiongroup.co.uk...-Viewing)-nbsp

 

username44, you do not have permission to access this page. This could be due to one of several reasons:

 

  1. Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
  2. If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation. You may not have sufficient posts to permit you to carry out your intended action

Would like to see whats happening?

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Is there any reason I can't view that link? http://www.consumeractiongroup.co.uk...-Viewing)-nbsp

 

username44, you do not have permission to access this page. This could be due to one of several reasons:

 

  1. Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
  2. If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation. You may not have sufficient posts to permit you to carry out your intended action

Would like to see whats happening?

 

Yep the link goes to a restricted part of the forum.. try this one instead..

 

http://govanlc.blogspot.co.uk/2012/06/glc-unfair-bank-charges-update-phase-2.html

 

S.

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Apologies username. It's just admin and back room stuff to do with running the forum. I must have accidentally posted a wrong link.

 

Thanks for sorting it shadow.

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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ohh sort of sad that there is no 'secret place' :wink: love a mystery. Anyway it wouldn't be a very good secret if everybody knew it existed!

 

Good stuff about bank charges for all those that need to claim. Off default hunting again.

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  • 1 month later...

Be interesting to attend this but I think the cost may be a tad prohibitive for us non-bankers. http://www.bba.org.uk/events-and-training/event/eu-regulatory-update-seminar-retail-banking/programme

 

I know this thread's been quiet of late but times they are a-changing in bank regulation. http://www.guardian.co.uk/business/2012/aug/13/fsa-financial-enforecement-tracey-mcdermott?newsfeed=true

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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It would be good if someone could go to the BBA event on behalf of all of CAG, like you Caro. I'd contribute to a fund to cover your costs. At least Mike Dailly will be there and he represents the consumer voice. It's good to see things tightening up even if it's coming from Europe. I am concerned the Finance Bill going through Parliament will be watered down by the effect of banker lobbyists and party funders. Let's hope there will be more people with Tracey McDermott's skills at the FCA. SJ

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