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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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
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Direct Auto Finance and PPI


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hi there can anyone help with this, my dad had a car from Yes Car Credit, and has got 7months left to pay of the agreement, thos was all dated back from 2005, and he has been paying PPI that was sold to him from the beginning.

 

the last payment being due on the 21/7/2009 he is paying £219.31 a month to them in total and a total amount of £10526.88 the car price on his agreement was £5950.00 he took the GAP and the PPI as he was made to believe that he had to do this i was there with him while they were doing the sell on the cars etc in the single room bit etc i am sure any others who have been to YES will know what i am on about,

 

well here is the bit, back in 06/06/2006 he was given 219.31 as a ppi credit due to him being in hospital, can he still claim any of the PPI moneys paid to date, or because he has made a claim is it all void, also he traded his old car which they paid £200 for and this was called TOTAL DOWN PAYMENT, TO BE APPLIED TOWARDS ANY OPTIONAL INSURANCES, I have been led to believe that this is a practice that is not allowed to be done, i have all the figures here is there is anyone out there that can spare me the time i can go onto msn or something like that and send the figures so i can see if he can get anything back from these i can only describe as thieves.

 

huge thanks

 

Utterchaos

 

Mike

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Hello Mike,

 

welcome to the PPI forum.

 

hi there can anyone help with this, my dad had a car from Yes Car Credit, and has got 7months left to pay of the agreement, thos was all dated back from 2005, and he has been paying PPI that was sold to him from the beginning.

 

the last payment being due on the 21/7/2009 he is paying £219.31 a month to them in total and a total amount of £10526.88 the car price on his agreement was £5950.00 he took the GAP and the PPI as he was made to believe that he had to do this i was there with him while they were doing the sell on the cars etc in the single room bit etc i am sure any others who have been to YES will know what i am on about,

 

well here is the bit, back in 06/06/2006 he was given 219.31 as a ppi credit due to him being in hospital, can he still claim any of the PPI moneys paid to date, or because he has made a claim is it all void,(I understand that any claims against a policy would prevent you from reclaiming the PPI as mis-sold) also he traded his old car which they paid £200 for and this was called TOTAL DOWN PAYMENT, TO BE APPLIED TOWARDS ANY OPTIONAL INSURANCES, I have been led to believe that this is a practice that is not allowed to be done, (no knowledge on this I am afraid but if the insurance was optional taken and then claimed against I believe you will have a real fight to get PPI refunded) i have all the figures here is there is anyone out there that can spare me the time i can go onto msn or something like that and send the figures so i can see if he can get anything back from these i can only describe as thieves.

 

huge thanks

 

Utterchaos

 

Mike

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

The above links are from here and may help you to make a considered decision but usually if you have claimed then reclaiming is tough if not impossible........

 

links

 

I hope this in someway helps you make a decision on the way forward.

 

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.

 

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thanks, can he get the PPI stopped for the last few months of the payments as this would drop his costs down by £50 a month

 

Write to them insisting the PPI is cancelled with immediate effect. You will need to explain that you have alternative cover in the event that circumstances change. If you do not have alternative cover and cannot make the payments then there could be other issues arising.

You do not want to get caught out with no cover if things go awry and you cannot make the payments required.

 

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.

 

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