Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

PPI REclaim - old M+S credit card [but its not its a special reserve bank account!!}


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2360 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

as an experiment

put every payment of PPI individually

on its date into this spreadsheet.

StatIntSheet v101.xls

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... 

Link to post
Share on other sites

well that will give you a ballpark figure

theres another one which is better

but lets see what that says first

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... 

Link to post
Share on other sites

thought so.

well this may or may not play a part anyway.

however.

 

take your data from the three cols [date/description/amount]

 

paste those into this spreadsheet:

FosCISheet v101.xls

 

in cell d15 enter the M+S interest rate they charged.[15.9%??]

 

set the claim to date to the last date they charge their interest.

 

that will give you a new figure.

 

take that figure and pop it back into a new copy of the statint sheet

as a whole sum dated the day after they stopped their int

that's you 8% calc

 

should be quite inflated.

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... 

Link to post
Share on other sites

If you wish

Via the go advanced button bottom right

Then manage attachments

You can attach the two spreadsheets as .xls files

If you want them checking

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... 

Link to post
Share on other sites

no quite

the foscisheet is correct

 

 

just take the total from that £7021.39

and pop that into a new copy of the statint sheet

as a whole figure on 06/10/2007

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... 

Link to post
Share on other sites

Not quite sure I'm understanding at this point.....the first calculation total on StatInSheet was £3,332.92. Then, transfering that data to FosCISheet and adding the 15.90% interest produced a figure of £2047.49.

 

Then, transferring again the original data on StatInSheet into a new version of this and adding the £2047.49, produced the total of £7021.39 - and this is the file I named StatInSheet2.

 

So....are you saying I take the original data from StatInSheet a third time and then add on the end the £7021.39 from the StatInSheet2 file?

 

Just reading your last post again you say "the foscisheet is correct" and then "just take the total from that £7021.39" - but if the foscisheet is correct, the total in that is the £2047.49 figure I've already added to the end of statinsheet, to produce the £7021.39 total shown in the StatInSheet2 file.

 

This is probably a combination of my old brain and it being the first time I've used Excel, so apologies if I'm missing something here.....

Link to post
Share on other sites

enter the PPi payments into the foscisheet

claim to date will be the last date the OC charged you interest...

 

 

that will give you a total.

 

 

you are entitled to 8% statutory interest upon that figure until they settle

hence the use of 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... 

Link to post
Share on other sites

enter the PPIlink3.gif payments into the foscisheet

claim to date will be the last date the OC charged you interest...

 

 

that will give you a total.

 

 

That total is £2047.49 - as in the foscisheet already uploaded, that your said was correct.

 

 

you are entitled to 8% statutory interest upon that figure until they settle

hence the use of the statint sheet.

 

 

I've put that £2047.49 back into the original statinsheet as the last date that interest was charged and the total now is £7023.45 - to the current date. As per figures in uploaded StatInSheet3.

StatIntSheet3.xls

Link to post
Share on other sites

nope as I said in post 41

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... 

Link to post
Share on other sites

use this new thread for the PPI reclaim

 

 

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... 

Link to post
Share on other sites

no nowhere have you been told to do that?????

 

FORGET THE ORGINAL STATINT sheet it was an EXPERIMENT ONLY

 

FOSCISHEET is the correct one to use - that's done and is ok.

 

ive just done the statint sheet for you

NOTHING more to do!!

 

the PPI reclaim process is:

 

1.you are entitled to have each PPI payment refunded

if the OC has added interest to that payment

you are entitled to that too until they STOP CHARGING their interest.

 

2.FROM the day after they stop charging their interest

you are entitled to 8% statutory interest until they settle

as you have been deprived of investing the figure

 

the FOS CI does No.1.

 

the Statint does no.2.

 

JOB DONE

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... 

Link to post
Share on other sites

My sincere aplogies for that major clanger....so here's another tentative attempt to see if I might have these figures correct this time. No.1 = £2047.49 and No.2 = £3689.37. Total Amount: £5,736.86....?

Link to post
Share on other sites

???

 

 

your claim is done

dunno what the above is about

 

 

£3,689.82

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... 

Link to post
Share on other sites

  • 2 weeks later...

Okay, perhaps time to revisit this PPI situation once more and sorry again for not grasping the calculations earlier.

 

 

So, am I able to claim the PPI amount back from the originial creditor [or their insurance provider] even though they sold the debt on?

 

 

If I am and the claim was successful,

surely these funds would be withheld because of the original default or passed on to DCA?

 

 

Just not sure of my position on this - thanks.

Link to post
Share on other sites

debts sold on

goes to your pocket OM..

 

 

PPI reclaim always goto the original creditor.

 

 

so post 17

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... 

Link to post
Share on other sites

you need to fill out a copy of the FOS CQ below

 

and a simple covering letter

 

then

both spreadsheets

the FOS CQ

and your covering letter

 

goto M+S

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...