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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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PPI Refunds - How does this work?


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I'm hoping someone can tell me how to go about this and what is the criteria for being able to claim back this money? My friend bought a car on finance and had to take out PPI for £4500!!! They wouldn't let him have the finance without the PPI.

 

I would appreciate any information available.

 

Thank you

RedFox

 

A&L - £435.14 Paid in Full 21/06 - COMPLETED

Barclays - £2447.87 Paid in Full 13/11 - COMPLETED

CitiCards - Offer made 4/10

Clydesdale - £400.00 Paid in Full 17/11 - COMPLETED

MBNA - £800.00 Prelim Sent 28/11

Black Horse - £150.00 Paid in Full 26/11 - COMPLETED

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The first step is to submit a SAR to obtain copies of all the relevent documents. The standard fee for this is £10.

If you need help with SAR give me a shout..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi, I'm in the same boat. Having got "the bug" through writing a rude letter to Barclaycard and getting all of my wife's premiums refunded (only £53.64 but a victory all the same) I would like to do the same for my mother-in-law. Her position is slightly different and is as follows:

She has had, at points, quite large outstanding balances on her MBNA card. When she got the card in 2001/02 she took the PPI because she was worried, due to the size of the balances, that if there was a medical / health problem and she couldn't work, she didn't have enough spare cash to cover the repayments and would default.

When she had a Cancer scare in 2005 she called Natwest (another creditor) they stumped up immediately. MBNA on the other hand said, "Terribly sorry, you're no longer covered because we've changed the rules" She had paid premiums for the whole time she had this MBNA card and is insistant that she was never informed of this change to the policy.

My problem is that she has destroyed all of her old paperwork including anything that she may have signed, boxes she may have ticked etc.

How much information can I ask for with an SAR?

Can I get more than statements.

Can I still claim for her because this card and account was activated pre-regulation?

Any tips anyone......?

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When you submit the SAR they have to supply all Data that they have stored regarding you & your accounts.

If you have any account numbers etc state them on the SAR too.

I would also ask for any transcripts of telephone conversations to be supplied on audio cassette. I did this with Firstplus though the quality of the recording was pretty poor I did manage to clean it up in our recording studio.

 

Good Luck

 

If you need any help give me a shout and If I cant help I know a man who probably will..lol

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Is there a standard letter anywhere i can tweak?

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/25650-reid-lloyds-2-ppi.html

 

I really must get a mod to shift this thread to the PPI section..lol

 

You are welcome to use any of the letters that I used, If you need and help just shout

 

Ian

  • Haha 1

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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