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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.  

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      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.

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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.

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      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.
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      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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Miss-Sold Mortgage Protection Plan, help please...


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Hi Everyone,

I’m wondering if someone can help please?

I re-mortgaged my flat in 2005 through Countrywide and the mortgage adviser told me that I had to take out a Mortgage Protection Plan as it was necessary for me to get the Mortgage but now as I understand it isn't.

The Mortgage Protection Plan summary says its Life or earlier Critical Illness Cover (decreasing) which is with Friends Life (used to be Friends Provident) and as I understand it Countrywide and Friends Life are affiliated (if that makes a difference?)

I had buildings and contents insurance at the time, so I think that means I had enough coverage...

I still have the policy and all the paperwork even though I changed Mortgage provider in 2008.

Does anyone know if I can claim this back as miss-sold and if so if I should contact Nationwide or Friends Life please? :|

Really appreciate anyone’s help!

and sorry if I'm in the wrong place!

 

Thanks, Sandra

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not linked to building/contents [did you even require those!!..the only thing you HAD to have is buildings insurance

and if you already had that you weer fleeced on that too]

 

 

treat the mortgage protection the same as a PPI claim.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

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... 

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Hi dx100uk,

Thanks for replying so quick!

No, not linked. I already had Building and Contents insurance from my original mortgage.

 

So do you reckon it's ok even if I still have the policy or should I cancel it before I make a claim?

Also do you know if I should contact the the advisor or the provider please?

Thanks for you help!

yeah, I feel a bit silly as it's been £16 a month for 10 years... definitely feeling fleeced :(

 

Thanks,

Sandra

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makes no odds if you cancel it

when you reclaim, they should thus cancel.

 

 

if the advisor is still going

he'll be the one that pocketed the commission.

so the one to target.

 

 

might be best to knock up a spreadsheet 1st

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

statint sheet

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered(1-Viewing)-nbsp

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... 

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Hey, thanks for the info!

Another wee question if you don't mind?

 

Could I use that single premium policy spreadsheet if it wasn't lumped in with my mortgage? (if I've understood the explanation in the link correctly)

Would it be classed as a single premium policy or could I just delete that bit from the title of the speadsheet or change it to something else?

 

Thanks again! :)

 

Sandra

 

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simply change the title

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... 

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Share on other sites

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