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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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Starting LLoyds PPI reclaiming


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Hi

 

I had a loan over 10 years ago so decided to check if am due any PPI back,

 

firstly I contacted a few companies who say they do a free check but then when you speak to them you find out they want a percentage if you are due any money.

 

I went to my bank directly to find out, thought how hard can It be.

I have a credit card also with them.

 

They have sent me a PPI questionaire that I have fill and return within 14 days.

It is really detailed about the sale of your PPI policy, use of the PPI policy, about the money borrowed, personal saving, employment status etc etc

 

Anyone got any experience of these forms, do I need to fill them all in? or can I just walk into branch as them to help fill them in?

 

thanks

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Start off by sending an SAR to the bank asking for all the information they hold upon you on any matter and in any form. Send your request to: –

 

DSAR Unit Lloyds TSB

Customer Service recovery

Charlton Place

C46

Andover SP10 1RE

 

Accompanied by a cheque for £10 which is the statutory fee. It will take 40 days for them to respond – and they may not even respond after that because it seems that they frequently breach their statutory obligations. You ask whether you to simply walk into the branch and asked them to fill in the form. Haven't you had enough trouble already with PcWorld and Knowhow? Maybe you just like being a victim.

 

Exercise caution at all times. Act independently and get all the information you can. Once you think you have got everything you need then you can start asking the bank and see what they say but at least you are then prepared to challenge them if you realise that they are trying to shortchange you.

 

Send the SAR and then come back here when you have some information

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If they don't respond then it implies that they don't really care and not enough customers challenge them. They will respond but whether they respond on time and whether they make a complete disclosure is another matter. At the end it will be up to you as to how much trouble you want to make. I'm afraid that these companies are bigger than you and of course the people who do their shoddy work get paid for it whereas you have to make trouble for them for free. It's always a tough call because quite reasonably most customers one just a simple and straightforward and honest life.

 

There is a template somewhere. Maybe you have to follow the link SAR

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retitled and moved to the PPI forum.

 

get that sar running icemen.

 

read all the posts in the sar link first 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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