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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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settled loan, can i reclaim PPI?

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I'm helping my girl friend recliam PPI on a loan she took out in 2002 for £7800 over 6 years. She was only 20 at the time and this was the first loan she had ever taken out. i feel she was grossly mis-sold this loan as the total repayed at the end of the term was £15999.12.


The PPI was a single premium added to the loan amount at the begining of the loan (£3555.55).


She was basically told if she didn't take out the PPI she wouldn'y be accepted for the loan.


We settled the loan over a year earlier than originally agreed in July 2007. We were only refunded £252.41


I don't know much about reclaiming PPI but i'm currently reading up using this site and moneysavingexpert.com.


So my original question is can i claim back PPI even though i have settled the loan??






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From what I can gether yes you can still claim.

I have just sent by recorded mail my first PPI letter.

I was charged a single premium of nearly £4500 on my loan and had no option to take the loan without it. I repaid the loan after 19 months and got NO refund. The insurance was just added to the whole loan. So I payed interest on that as well.


I will keep tabs on how you progress, and keep you informed how it is going with mine...


S.A.R. received 21/10/06

Prelim received 25/11/06

LBA received 12/12/06

Offer made by telephone 29/12/06 - upped then accepted.

Received offer and acceptance form 30/12/06.

Sent acceptance 02/01/07

Money in bank 09/01/07 :D :D :D

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sounds the same as us. we paid back the loan 16 months early and got a rebate of just £150 from the insurance company.


we also paid interest on the whole sum £7800 + £3555.15.


Going to post my letter now!!


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Yes you can Claim, If the PPI was mis sold you have grounds to claim it back.



Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.




If my post has helped you, please click the scales! :grin:


Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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sent my letter off on Thursday 11th October recorded delivery. This is what i said.

Dear Sir/Madam,


Ref : Loan account number-xxxxxxxx

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.


I took out a £7800.00 loan at your branch on 27/09/02 and also bought a single premium protection policy which would cost me an extra £3555.55 over the life of the loan. The name of the salesperson who sold me the policy was James Bond. The total amount of my premiums plus interest was £15999.12.



I settled this loan 16 months earlier than originally stated on my loan agreement on 26/07/07 by paying £3302.95 which was the quoted settlement figure.

When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

I felt like I was not given the correct information when the PPI policy was sold to me, as

-your salesperson stated / implied that taking out the PPI policy would assist my credit application.

-your salesperson was very pushy in selling me the PPI policy so that I felt I could not say no.

-your salesperson did not tell me that the PPI policy was optional.

-your salesperson stated / implied that taking out the PPI policy was essential for me to get the associated credit.

In forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.


You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do.


I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. 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.

I look forward to a full and prompt response to this letter and for the matter to be concluded with eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

My previous address when I took out this loan was .



Yours faithfully,


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