Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

CFO drained my Lloyds account - help

kmh1605
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3913 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

ianbford

ianbford

Posted
Posted
Exactly the same has happened to me and it still hasnt cleared in my account so wont be able to do anything! Have you had any luck?

 

No luck whatsoever. The money is still pending on my statement and they won't do anything till it has cleared. A bit like saying we can't stop the burglar till they have actually stolen your money and spent it. Absolute clowns. Banks have way too much power and just seem to think our money is theirs.

Link to post
Share on other sites
renegadeimp

renegadeimp

Posted
Posted

Banks think they have power because people dont complain. Seriously. You need to be on their backs every day.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
kmh1605

kmh1605

Posted
  • Author
Posted

Spoke to Lloyds regarding mine this morning and was told point blank that they cant do anything I have an outstanding loan with CFO. I tried to speak to a manager or the complains department and the woman said no manager was available and she will log the complaint herself. Im so fed up.

Link to post
Share on other sites
renegadeimp

renegadeimp

Posted
Posted

Your bank is breaking the law. Get complaints going and contact the fos and fca

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
kmh1605

kmh1605

Posted
  • Author
Posted

I really need the money back now though as im now overdrawn, I sent an email complaining yesterday morning and I have had nothing back. Are you able to tell me which law and regulations they are breaking?

Link to post
Share on other sites
kmh1605

kmh1605

Posted
  • Author
Posted

I have had the exact same response, I have also complained and they said there is nothing they will do as they can see that I have taken a loan out with the company. They are sending me the final comments or whatever they call it and told me to go to FOS if I arent happy with their decision. They are useless!

Link to post
Share on other sites
ianbford

ianbford

Posted
Posted
Exactly the same for me. I will be complaining to FOS but I dont think I will get it sorted and have no idea how I will get through to the end of the month.

 

Found this on FCO website http://www.fca.org.uk/static/documents/fsa-your-rights-for-common-banking-problems.pdf

 

States "Your bank must refund an unauthorised transaction. Money can only be taken from your account if you have authorised the transaction or if your bank can prove you were at fault"

 

In my case I did not give the bank details to CFO they acquired them like a common thief, so will be pursuing this angle with the bank and as previously stated going for a winding up order against CFO.

Link to post
Share on other sites
renegadeimp

renegadeimp

Posted
Posted

You need to be getting a complaint in to the FCA stating what the bank is doing. However, it would greatly help your case if you got it in writing from the bank that they wont cancel the CPA.

 

ALso remember, that if the money is a significant sum, you can issue a lba and then follow it up immediately with small claims action. As soon as the court papers land on the desk of the head office, they will shift into gear. If you choose to do this though, be ready to go to court if necessary. It would be an open and shut case that is pretty much a guaranteed win for you, and theyll most likely settle out of court anyway.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
kmh1605

kmh1605

Posted
  • Author
Posted

Thank you for yur help. My payments total only £200 (which I know isnt as much as yours) so I dont think this is an option for me. I shall be writing to the bank again but I am waiting for my final response letter should have been sent today and then I can complain to FOS. Do I complain to FCA also?

Link to post
Share on other sites
renegadeimp

renegadeimp

Posted
Posted

Yes. Fca in a full complaint. Include all written evidence that your bank sent.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
  • 3 months later...
dx100uk

dx100uk

Posted
Posted

own thread created.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...