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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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reclaiming lots of old ppi?


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Hello

I had a large number of improperly executed credit card agreements which I had been paying for 20 years.

 

 

After advice from CAG I decided not to make the remaining payments and they are all now statute barred.

 

Due to the length of the time I had the cards their will have been PPI payments made but...

1) Some credit cards were paid in full before I got into financial difficulty many years ago which I don't have records for.

2) Some accepted full and final settlement payments to clear the account,

3) Some accepted a final payment and marked as partially satisfied

4) Some would not negotiate and I had no money left so they were not paid anything

 

Which of the above can I reclaim PPI for

Thanks

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all of 'em.

get a few sar's running.

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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all of 'em.

 

dx

 

That's what i was going to say :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Hi,

ROYAL BANK OF SCOTLAND:

 

Just had a further file back from RBS with 5 accounts of PPI which they have settled.

 

One of the accounts they moved the PPI payments from a business account which failed, to my personal account without my authorisation.

 

I have been writing to them about this for two years after they rang me and refused to pay out.

I have written to them asking to outline it all so I may post it up on CAG.

 

MIDLAND BANK (NOW HSBC)

In the credit file RBS sent me they included a file from the midland bank for critical illness cover midland bank sold me for the mortgage I had,

 

they requested confirmation from them

they had no further interest in this payment as they were offering us a new mortgage.

 

The file is from 1995 and gives all the details I need if I can claim against them for this.

Any advice please ?

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cant see why not

or their underwriters

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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  • 3 months later...

Hi

Had two replies AMEX say I have no record of any PPI but MBNA have sent the following:

 

REF:XXXXXXXX

 

DATE;XX/XX/XXXX

 

Thank you for your letter requesting information in regard to payment protection insurance (PPI)

 

We confirm that you hold/held the following card accounts with MBNA ltd.

 

ACCOUNT NUMBER: PPI START DATE : PPI PREMIUM HELD:

**** **** **** **** XX/XX?2004 £1600.00

 

We trust this information fulfils your request

 

Yours sincerely

 

 

 

REGULATORY TEAM MANAGER

 

What should my reply state/

 

Thanks

Exasp

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that's not an sar reply.

 

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 DX

I didnt send an SAR request

Is sent this..

Name

Address

date

Dear Sirs

PAYMENT PROTECTION INSURANCE

Please forward us any information you have on either us individually or as a couple regarding Payment protection insurance on any product at any of the following addresses:

xxxxx

 

Yours sincerely

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:frusty::frusty::frusty:

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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you need the statements sar

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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  • 2 months later...

not if they are all the same group no.

 

just because a named bank has a mortgage 'wing'

its still the same bank

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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  • 1 month later...

Hi

Thanks DX for advising the SAR.

 

I have heard back from one company at present, AMEX,

who though i have not had PPI with them

 

they had incorrectly told me a settlement amount in the 90's which has meant I have had an £80 credit since then.

 

They said their records only go back to 1999

 

I have asked them for interest and compensation for not being able to use the money.

 

They have offered me £160 which seems a small amount considering that 19 years has passed.

 

What are your thoughts on that?

 

Thanks

Edited by dx100uk
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use the statint sheet

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

HSBC

I had my SAR returned from HSBC today and though it acknowledges we had life policies on our mortgage they state they do not hold records.

 

I have sent them an original application showing the PPI attached to the product but they state until I can recover statements showing the actual payments they cannot refund me.

 

As the various products ran commencing from 1991 up to 1995 I dont have records.

 

now the SAR has come back blank do I have any other course of action

 

Thanks

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if it shows on the mortgage agreement

they can work out what you paid from that.

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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  • 1 month later...

Rubbish but anyway mortgage payment from any year from your bank will do

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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  • 4 weeks later...

Sar the bank account you paid your mortgage from

All you need is ine example that you paid back then

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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