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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.

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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.

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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.
      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.
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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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Hi there

I have a question relating to a loan that I took in 2004 through Zenith Windows to install double glazing. But Zenith windows went into administration in 2010 I believe.

Loan amount 5K. It is now paid off.

 

How do I go about getting the PPI back from them and the unfair charges.

 

Can anyone help please?

 

Many thanks and much appreciated.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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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Hello DX and Citizen B

I went through some old paperwork and found the agreement and some statements relating to the loan that I had with First National.

 

The statements came from GE Money.

 

However, I found the Insurance schedule and it says FIRST NATIONAL CONSUMER FINANCE (FIRST NATIONAL) PROTECTED PAYMENTS.

 

It shows that a Premium of 532.50 taken out (I presume this for the whole year).

Total Loan amount was £4,840

Insurance £532.50

Documentation £45

Total loan amount £5,417.50

 

1. My account was sold to Asset Link in Jan 2007

– paid off in February 2007

–Can I still claim the unfair charges from GE?

 

2. PPI – from whom can I claim the PPI from?

 

3. Does anyone know First National Protected Payments?

 

I would really appreciate your help on this.

 

Oh I forgot to mention that it was for the double glazed windows through Zenith Stay Bright (Zenith went into administration).

 

The Loan was taken out in Nov 2004.

 

Thought I would give you more information so you have a better picture of the case.

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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

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

Hi DX - thank you so much. The information that you provided is invaluable, and I read most of the case studies. They are very encouraging.

 

Just to clarify the spreadsheets that I need to send out - for the Loan account to claim late fees etc do the Statint sheet.

For PPI do the CI sheet

 

For Credit Cards - again for PPI CI sheet

 

and to claim the late fees etc do the Statint. sheet.

 

I hope I got this right.

 

Would be extremely grateful if could clarify this please.

Many thanks

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Hi DX - thank you so much. The information that you provided is invaluable, and I read most of the case studies. They are very encouraging.

 

Just to clarify the spreadsheets that I need to send out

- for the Loan account to claim late fees etc do the Statint sheet.

 

For PPIlink3.gif do the CI sheet no - no stat int

For Credit Cards - again for PPI CI sheet - possibly , but the FOS running is best or FOS CI is better

and to claim the late fees etc do the Statint. sheet.- not if they've charged int on them - follow your other thread

I hope I got this right.

 

Would be extremely grateful if could clarify this please.

Many thanks.

.............

 

the under lying thing to remember is

 

if they have not charged extra interest monthly after what ever you are reclaiming was levied..

- then you are entitled to statutory interest till they settle.

 

if they have charged extra after what ever you are reclaiming was levied.

. then use 'a' CI sheet.

 

the best one to use is the fosrunning as it does int at their rate and calcs the statint.

but can be a pain to get the running balances right

 

if they latterly stopped charging int, then you are entitled to statint on that figure till they settle.

 

your other thread explains it too

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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Many thanks DX. There is so much to take it in. Was reading early hours of this morning as I would like to understand how it's all done.

 

I am going to do letters and spreadsheet for each one as there are 3 to put in.

 

 

I had a House of Fraser card which also come under GE Money, and another loan from First Tricity Fnance which went to GE which now owned by Santander.

It's all confusing.

Somehow I managed to find most of the paper work for these last night.

So need to send the letters and the appropriate spreadsheets.

 

Thanks very much again for your help.

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Hi DX

I have been compiling letters to various banks re PPI and other charges.

 

I have got the First National which now owns GE/Santander.

I will check the address to get the letters out.

 

Can you please check the spreadsheet that I prepared for the Loan account with First National/GE/Santander and will copy to Cardiff Pinnacle too.

 

 

I have prepared two spreadsheets.

1 for the PPI charge and

2) for the interest and late payment charges etc.

 

Would be grateful if you could please have a look at let me know if they are ok to send off tomorrow.

 

 

Got the Questionnaires and the letters done used the (templates).

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again on a statint sheet you've changed the claim to date

 

YOU DONT ENTER ANYTHING.

 

set it back to the formula I gave earlier.

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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urm yes,,,,,,,,,,,,,,

 

 

you stopped the daily interest in 2007!! as you entered a claim to date of 2007.....

 

 

its now 2017!! 10yrs of 8%....

do wake up at the back..

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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Thanks DX

The account was settled on 7/2/2007 hence putting that date.

 

 

So there was no figures to put after that date. Have I got the correct sheet?

 

Really sorry to be pain, but I would be really grateful if you can guide me to the correct sheet.

 

 

So many things my brain not used to deal with this much figures. Rusty brain. getting old.

 

Many thanks

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already explained in post 9

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 DX you will be pleased to know that I finally managed to work out how the monthly PPI is calculated.

So here it is the latest update it is much less than the previous version because obviously I put a large amount which was wrong.

And I found out the Cardiff Pinnacle email address and the postal address and I am going to send this via both methods.

 

Most importantly I found the Original Agreement that I signed where it clearly said I was in that employment for just 2 months and it was a contract yet I was given the PPI. Going to email today and post it tomorrow.

 

But I need to claim the Unfair charges/late charges - can I claim this from GE as it was GE money that I took the loan from and they levied the charges.

 

Many thanks

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I though you said the account was settled in 2007?

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

then you paid no PPI after that date

why have you entered payments for after that date?

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

Yes settled on 7/2/07 and the total settlement figure is £6,352.92 but I have not used this any where should I be using this as well.

532.50/5417.50*100= 9.829 PPI%

87.36x9.829/100=8.5866 PPI for month = 8.5866 (I rounded up to 9.00)

 

Thought I could use the total settlement figure when claiming unfair charges. Can I do this?

Many thanks

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anything you paid

like before....

9% of it was for PPI.

so 9% of the 6k was ppi ..paid on the date you settled..

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

87.36x9.829/100=8.5866 PPI for month = 8.5866 (I rounded up to 9.00)

 

 

whats that all about?^^^what are you trying to calculate

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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