Jump to content


  • Tweets

  • Posts

    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
    • i dont think the reason why the defendant lost the case means anything at all in that case. it was a classic judge lottery example.
    • Hello, I will try to outline everything clearly. I am a British citizen and I live in Luxembourg (I think this may be relevant for potential claims). I hired a car from Heathrow in March for a 3-day visit to family in the UK. I was "upgraded" to an EV (Polestar 2). I had a 250-mile journey to my family's address. Upon attempting to charge the vehicle, there was a red error message on the dashboard, saying "Charging error". I attempted to charge at roughly 10 different locations and got the same error message. Sometimes there was also an error message on the charging station screen. The Hertz 0800 assistance/breakdown number provided on the set of keys did not work with non-UK mobiles. I googled and found a bunch of other numbers, none of which were normal geographical ones, and none of which worked from my Luxembourg mobile. It was getting late and I was very short on charge. Also, there was no USB socket in the car, so my phone ran out of battery, so I was unable to look for further help online. It became clear that I would not reach my destination (rural Devon), so I had no choice but to find a roadside hotel in Exeter and then go to the nearest Hertz branch the following day on my remaining 10 miles of charge. Of course, as soon as the Hertz employee in Exeter plugged it into their own charger, the charging worked immediately. I have driven EVs before, I know how to charge them, and it definitely did not work at about 10 different chargers between London and Exeter. I took photos on each occasion. Luckily they had another vehicle available and transferred me onto it. It was an identical Polestar 2 to the original car. 2 minutes down the road, to test it, I went to a charger and it worked immediately. I also charged with zero issues at 2 other chargers before returning the vehicle. I think this shows that it was a charging fault with the first car and not my inability to do it properly. I wrote to Hertz, sending the hotel, dinner, breakfast and hotel parking receipt and asking for a refund of these expenses caused by the charging failure in the original car. They replied saying they "could not issue a refund" and they issued me with a voucher for 50 US dollars to use within the next year. Obviously I have no real proof that the charging didn't work. My guess is they will say that the photos don't prove that I was charging correctly, just that it shows an error message and a picture of a charger plugged into a car, without being able to see the detail. Could you advise whether I have a case to go further? I am not after a refund or compensation, I just want my £200 back that I had to spend on expenses. I think I have two possibilities (or maybe one - see below). It looks like the UK is still part of the European Consumer Centre scheme:  File a complaint with ECC Luxembourg | ECC-Net digital forms ECCWEBFORMS.EU   Would this be a good point to start from? Alternatively, the gov.uk money claims service. But the big caveat is you need a "postal address in the UK". In practice, do I have to have my primary residence in the UK, or can I use e.g. a family member's address, presumably just as an address for service, where they can forward me any relevant mail? Do they check that the claimant genuinely lives in the UK? "Postal address" is not the same as "Residence" - anyone can get a postal address in the UK without living there. But I don't want to cheat the system or have a claim denied because of it. TIA for any help!  
    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
  • Recommended Topics

  • Our picks

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

mis sold life insurance help needed


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5719 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

Hello

 

in 2004 I brought my first home and arranged a mortgage with a borker alexander hall associates ltd , they found me a mortgage with abbey and they said I had to take out a life insurance with scottish provident other wise I wont get the mortgage, so I agreed. in 2006 I ended the insurance because I realised I had 5 life insurances any way and why did I needed a 6th one. infact my job covers me for death and pays alot of money .

but this broker never took in to the account that my job covers me for life insurance. i paid 38 pound a month to this insurance for no reason because i was forced to take it. today I looked at the letters i had and it shows that the insurance company paid the broker £646.93 to set up the insurance.

 

can I claim this money I paid to the insurance back or is there anything else I can do please advice me . Many thanks

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

Link to post
Share on other sites

it also states on the policy PART OF ABBEY NATIONAL GROUP , can this be the banks PPI ?

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

Link to post
Share on other sites

I have just spoken to scotish provident who confurmed that they where part of ABBEY in 2004 and this agreement was a PPI. i never knew .

do I take this up with ABBEY and how , I am wating for my mortgage documents to come , should I wait for this first

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

Link to post
Share on other sites

I spoke to abbey today about the insurance they stated that the insurance company had nothing to do with them , i pointed out that in 2004 this company was owned by abbey . they turned around and said no , well on the letters I have it says ABBEY NATIONAL GROUP . the lady over the phone stated that I have to make the complaint to the broker who originaly sold me the PPI and it has nothing to do with the bank . is this true please help

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

Link to post
Share on other sites

Hi there.

 

Sorry to hear of your troubles here.

 

Regarding this situation I have no idea what to advise here as such but sure someone will come along soon and advise you on the best action to take from here.

 

I wish you luck in your case, they are a great busy helpful lot on here and will help and guide you as best as they can as soon as they can.;)

 

Fingers crossed this will be resolved soon.

 

Good luck.;)

 

Di.

x

Link to post
Share on other sites

hello govetepe,

 

Hello

 

in 2004 I brought my first home and arranged a mortgage with a borker alexander hall associates ltd , they found me a mortgage with abbey and they said I had to take out a life insurance with scottish provident other wise I wont get the mortgage, so I agreed. in 2006 I ended the insurance because I realised I had 5 life insurances any way and why did I needed a 6th one. infact my job covers me for death and pays alot of money .

but this broker never took in to the account that my job covers me for life insurance. i paid 38 pound a month to this insurance for no reason because i was forced to take it. today I looked at the letters i had and it shows that the insurance company paid the broker £646.93 to set up the insurance.

 

can I claim this money I paid to the insurance back or is there anything else I can do please advice me . Many thanks

 

I am unsure as to whether anyone could help on this forum as it is for PPI reclaims.

 

I have looked for other forums that maybe able to help without success.

 

Maybe a member of the site team could help?

 

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

My understanding is that you need to pursue the Broker for misselling. Have you checked that the life insurances you had covered everything that the other policy you took out through the broker covered?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

I spoke to the ombudsman today they stated they will write to the broker demanding my money back lets see what happens

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

Link to post
Share on other sites

  • 4 weeks later...

recaived a letter from the borker who thinks they have done their job proparly , drafted a letter and sent all my proofs to FSO. Broker also wrote on his letter this case is not under FSO juristiction therefore you need to get legal advice.

 

well letter with the proofs sent to fSO they did not come back to me to say they wont deal , I will be so happy if they do cus cannot wait to see the face of the person who wrote me the letter from the broker when they find out infact it is under juristiction hehehe.

 

I have proof clearly shows that life insurance was part of the mortgage infact its on the fact sheet the broker gave me years ago lol.

 

it also says on one of the Brokers letters which was sent to me years ago that some lenders will charge fee if I dont take up life insurance with them surely this is a clear indication that I was bullied in to this agreement.

 

On their nastly letter it also mentions that I failed to let them know that I get 1 year sick pay and large amount of money when I die from my employer , well they had my payslip that clearly shows Statutory Sick Pay and life insurance lol

 

well they have no leg to stand on 4 years of premium of £1.812 and 8% interest .

 

I will take them to court if need being but lets wait and see what FSO going to say .

ABBEY personal loan cca sent 30/07/2008 NO reply:D

Abbey Mortgage S.A.R - (Subject Access Request) sent no reply

Abbey Bank account going court:mad:

Barclay Card CCA sent 31/07/2008 no reply:D

Barclay card gold CCA sent 31/07/2008 no reply:D

Monument CCA send 30/07/2008 an application was sent to me :D

Capital bank CCA racieved unenforcable agreement letter sent to bank :roll:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...