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


  • Tweets

  • Posts

  • Recommended Topics

  • 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 
        • 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.

cpa cancelled money still taken

mame

By mame
in Minicredit /Minicashloans

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3845 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

mame

mame

Posted
Posted

Hi all,

I cancelled a cpa i had with minicredit with my bank but today they rinsed my account. I phoned my bank and asked for a charge back they refused saying it was not a cpa payment it was a one off payment taken 3 times and because they changed the amount and the date when they took it , it could not be stopped.

Ive put a visa dispute in and a complaint is there anything else i can do at this time.

thanks mame.

Link to post
Share on other sites
fletch70

fletch70

Posted
Posted

Well the bank will have to refund as it is an unauthorised charge however that is why I always recommend "losing" your card in these situations so that you get a new card with a new number.

 

As for minicredit, did you cancel the CPA with them?

 

If so get a complaint into them , head it is big red letters FORMAL COMPLAINT. At the same time I would call the CAB consumer helpline and tell them, they will pass your complaint on to the appropriate people

Personally i would not only email it but send it by royal mail signed for to the address on the website.

If after 8 weeks they have not resolved it, or they issue with a final response that you are not happy with then contact the Fos

 

Anyone would think I was out to get them....and they would be right!

Any opinion I give is from personal experience .

Link to post
Share on other sites
mame

mame

Posted
  • Author
Posted

Card has been "lost" today, Ive been trying to contact minicredit to set up a payment plan but they have been ignoring me.

 

I cancelled with my bank but not with minicredit. I Just need my money back to pay my rent.

Link to post
Share on other sites
renegadeimp

renegadeimp

Posted
Posted

Tell your bank to do an immediate chargeback. Too many banks fail to follow the rules as their desk staff are woefully undertrained.

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
mame

mame

Posted
  • Author
Posted
Tell your bank to do an immediate chargeback. Too many banks fail to follow the rules as their desk staff are woefully undertrained.

 

I did request a chargeback they refused saying it was not a cpa transaction but a one off payment so it could not be stopped. And this was from a supervisor not a front desk monkey.

Link to post
Share on other sites
renegadeimp

renegadeimp

Posted
Posted

Theyre wrong. Even a one off transaction can be stopped and charged back to the originating account. And in most branches, the supervisors are desk monkeys. You need to speak to the branch managers or higher. No-one else.

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
fletch70

fletch70

Posted
Posted

Was all this done today?

I thought you said you raised a visa dispute

 

You do need to speak to the disputed transaction dept although I imagine you were on the phone today

Any opinion I give is from personal experience .

Link to post
Share on other sites
renegadeimp

renegadeimp

Posted
Posted

Surprise surprise. They are VERY well known for ignoring the law. Perhaps they think they operate under spanish law and not Uk law.

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
fletch70

fletch70

Posted
Posted (edited)

Somewhere i think i have a number for their disputed card payments. My guess would be they don't work Sunday. Leave it with me

 

The only number i was given was 08459724724 and get passed to disputed payments team

Edited by fletch70

Any opinion I give is from personal experience .

Link to post
Share on other sites
lee79

lee79

Posted
Posted

Not at all surprised at the bank. Had a similar problem with them. A couple of people denied it was a CPA but the person who took the formal complaint told me it definitely was a CPA. When I challenged them once it was confirmed as a CPA they never denied it was my legal right to have it cancelled only that it's not their policy to cancel them.

Link to post
Share on other sites
renegadeimp

renegadeimp

Posted
Posted

I hope you reported the bank to the fca. Law and regulation override any silly policies the bank may have.

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
renegadeimp

renegadeimp

Posted
Posted

Keep demanding a full chargeback from your bank and inform the FCA asap. Fos will get involved when you exhaust the banks complaints procedure.

 

The FCA are taking a hard stance against banks that refuse to comply with the 2009 payment regulations. http://www.consumeractiongroup.co.uk/forum/showthread.php?395493-Been-refused-cpa-cancellation-since-nov-2009-Go-get-your-money-back-now!!

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
  • 2 weeks later...
renegadeimp

renegadeimp

Posted
Posted

I think you need to consider if the bank is looking after your interests well enough for you to remain a client with them. Especially since they have breached regulation, then tried to claim they didnt.

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
 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...