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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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getinng old store & credit card details for misold PPI checking


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have you no details of even who the card might have been with?

like old statements credit file search etc etc.

 

 

dx

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,

 

I am new to the forum, but as I am actually a complaint handler for a company that sold PPI I might be able to help.

.

If you send a letter to the organisation concerned, asking them to check any accounts that you have held with them,

to see if you had any PPI attached to the product, then they are legally bound to do a full holistic review of any accounts that you had with them.

 

If you went to a Claims Management Company (CMC) that is all that they would do

and then they would charge you between 25 and 50 percent of any thing that was owed to you,

and beleive it or not some CMC will also charge an admin Fee on top of their commission.

 

James

 

(please excuse any spelling or gramatical errors)

I used to be a Motor Insurance Claims handler, but due to redundancy I am now a Complaint Handler for a company that sold PPI

Please excuse any spelling or gramatical errors as I may be good at dealing with PPI claims, but I am C*** at writing

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i know it was either top man or burtons

 

 

i emailed them with all my previous address' date of birth etc and said to them that I didn't have my account details

 

 

they replied saying they wanted my account number.

 

 

But what bothers me is PPI claims companies can find that out but why not me

 

thanks I'm new to the site

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who did you email

 

 

and ideally you need to sent them [or the original creditor - the finance company ]

a lot of those cards were GE Money financed

an sar

 

 

a claims co. has no more clout nor power than you do...

 

 

dx

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

Send them a signed letter by recorded delivery requesting that they look into the details of your account (name, D.O.B, any/all previous address's and any name changes) advise them that the have 14 working days to supply the info or you will be taking the matter up with F.O.S. (you do not need an account number as they should be able to find your account details with the info that you have supplied)

If they treat this as an S.A.R. then you may also have to pay them £10

 

It is possible that that Top Man/Burton only received a fee and commision for every store card that they administered, but if they have their own Finance dept within the group, then they will have to deal directly with you. If they didn't then it would be the card provider that you would request the info from, but Top Man/Burton should be able to tell you who this was.

 

Unfortunately some companies will try and give you the runaround, but if you keep on at them they will deal with this for you (they have to under the FCA rules)

 

Please remember that if you enrolled for PPI before January 2005, the FCA/FSA regs don't apply, but you can still get advise from the Finance and Leasing Authority (FLA) which helped to regulate finance prior to January 2005.

 

James

 

James

I used to be a Motor Insurance Claims handler, but due to redundancy I am now a Complaint Handler for a company that sold PPI

Please excuse any spelling or gramatical errors as I may be good at dealing with PPI claims, but I am C*** at writing

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