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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
      • 161 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

MCB v HFC bank


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Dear All

First time on your interseting forum.

Is there anyone who could advise me.

I sent the letter below to HFC bank a month ago, as you can see I gave them until the 28th Sept to reply. They did reply on the 4th Septmber saying the Area manager would contact me within 10 days they havn't. I don't know what to do next?? I know a bit of a whimp.

 

"Dear Sir or Madam

I am writing to complain.

 

I took out a loan for £15,000 on 1st March 2004. When I took it out, I signed up for Payment Protection Insurance (PPI) which added an additional £3734.88 to the loan, giving a total loan amount of £18734.88 the amount to be repaid over 84 months to be £27,665.40 by monthly installments of £329.35.

On the 23rd April 2007 I called into the XXXX branch to ask to cancel my PPI policy and was told by a salesperson named XXX that though possible this would not have any effect on the amount or repayments of my loan and that no refund could be made.

 

Since this meeting, I have taken advice and I am informed that this type of Single Premium PPI policy has recently been investigated by the Financial Services Authority (FSA) which regulates all insurances. As the FSA has now stated ‘no refund’ terms are considered unfair I would like my original cancellation request to be honored.

 

I have been advised that I should be able to cancel the unused portion of my PPI policy and request a return of the premium for the unused portion at any time. I would like to do this, backdated to the 23rd April 2007, the date on which I originally requested this cancellation. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

Also I feel that this PPI was missold as it was certainly never explained to me that it would be difficult to cancel this policy and that I would not be due a refund. Therefore unless you can satisfactorily justify to me that the policy is fair and reasonable I will request a full refund of all premiums, and subsequent interest on these payments, that I have paid to date.

Please reply to this letter within twenty eight days, which is by the 28th of September 2007. If you reject this complaint, I would be grateful if you could explain whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service.

Thank you in anticipation of your prompt reply and satisfactory conclusion to this matter.

 

Yours faithfully,"

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Dear All

 

First time on your interseting forum.

 

Is there anyone who could advise me.

 

I sent the letter below to HFC bank a month ago, as you can see I gave them until the 28th Sept to reply. They did reply on the 4th Septmber saying the Area manager would contact me within 10 days they havn't. I don't know what to do next?? I know a bit of a whimp.

 

 

 

"Dear Sir or Madam

 

I am writing to complain.

 

I took out a loan for £15,000 on 1st March 2004. When I took it out, I signed up for Payment Protection Insurance (PPI) which added an additional £3734.88 to the loan, giving a total loan amount of £18734.88 the amount to be repaid over 84 months to be £27,665.40 by monthly installments of £329.35.

 

On the 23rd April 2007 I called into the XXXX branch to ask to cancel my PPI policy and was told by a salesperson named XXX that though possible this would not have any effect on the amount or repayments of my loan and that no refund could be made.

 

Since this meeting, I have taken advice and I am informed that this type of Single Premium PPI policy has recently been investigated by the Financial Services Authority (FSA) which regulates all insurances. As the FSA has now stated ‘no refund’ terms are considered unfair I would like my original cancellation request to be honored.

 

I have been advised that I should be able to cancel the unused portion of my PPI policy and request a return of the premium for the unused portion at any time. I would like to do this, backdated to the 23rd April 2007, the date on which I originally requested this cancellation. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

 

Also I feel that this PPI was missold as it was certainly never explained to me that it would be difficult to cancel this policy and that I would not be due a refund. Therefore unless you can satisfactorily justify to me that the policy is fair and reasonable I will request a full refund of all premiums, and subsequent interest on these payments, that I have paid to date.

 

Please reply to this letter within twenty eight days, which is by the 28th of September 2007. If you reject this complaint, I would be grateful if you could explain whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service.

 

Thank you in anticipation of your prompt reply and satisfactory conclusion to this matter.

 

Yours faithfully,"

 

Hello and welcome to the forum

 

I thought your letter was very good, polite and straight to the point, I do think you now need to sent them a not to nice reminder, stating that you are extremely disappointed in their failure to respond.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Dear Hellhasnofury

 

Thankyou for your advice will write a letter as you suggest. Should have thought of this myself but felt a bit whimpy.

 

Thanks again

 

Will keep you updated

 

MCB

 

Hello Macard,

 

I used to be a bit of a whimp when I first joined this site,:confused: thats till Reidnet got hold of me and look what has happened to me.:o

 

You will gain lots of confidence reading around the threads and what you don't know ask:D

 

Its that simple:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 3 months later...

Sorry I have been so long replying.

 

Thanks for your previous response.

 

I sent HFC a strongly worded letter as you suggested but no response until today.

 

They have decided I don't have a case, and that I had the option to report to the FOS. What they don't know is that this case is already with the FOS as I sent all the details of the case to the FOS in December.

 

I wish now I had decided to go straight to court but too late now. I suppose I always have the court option later if the FOS can't help.

 

Thanks again for the help.

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  • 7 months later...

Hi All

 

Just popping in to let you know that I have finally heard back from the FOS. The letter they sent me stated that HFC will pay back all of my PPI premium including 8% interest have yet to have a final figure, but well chuffed with the result. Will return once I know what the amount will be.

 

Ibex

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