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    • I'm unsure about going to court because it takes a lot of time and can be stressful, and there's no guarantee of winning. I'll still ask legal for advice. NLRA suggested making a MoneyClaim, but I'm worried it might cause problems and end up spending more if goes wrong.         
    • If you have legal cover and insurance, you can try going ahead with your Insurer. They may be able to refer you to their "Legal Partner" but do your research.  If you know where 3 of them live, you can attempt to take them to court, but in todays climate, going legal will not get you the result of £15k that you are after.    Others may have their own input - But in reality you are asking for £5k from each of them - Might find it hard to recover that in a timely manner.  Like I said earlier - Your option maybe to take the hit now and factor it in to future tenancies. 
    • I have insurance that covers legal matters for this property, and I can confirm it with the insurance company. I also know where the tenants currently live, as all three have moved to the same place. There's been a lot of mold growing in the property over the past few months. All the builders who came to look at it think the mold grew because the windows were kept closed, lack of heating. In the past few months, they haven't used much gas or electricity, as shown by the smart meter I checked. Recent trace and access report says there's no water leak in the property. I have lots of photos from when I moved in until now. But in court, more people usually want to sue the landlord, not the other way around.
    • simply write to them, offering one months fee, give them 14 days to accept. if they sont accept, ignore everyone. Harlands too! and the extra £20 penalty is not allowed either. thread title updated. dx  
    • So technically you could push it via the courts with the clause in the AST (I remember seeing something about this recently)  However if one has left the country - It might make it hard to recover it all from the others.    How would you look to bring action against all parties involved? Do you know where all of them currently are?  You can service to last known address but as you know they have moved on - It could be held against you by a judge if it goes all the way.    I think you need to consult a solicitor on this one - Its a complex claim against multiple people rather than a simple Creditor vs Debtor claim we see here. 
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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 
      • 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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Anyone know if the same principles apply to Business Loan Repayment Insurance? I have a BLRI premiun of £4401.98 plus interest £2610.82 added to the original loan on the 27th Feb 2005. I am self employed sole traded.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Anyone know if the same principles apply to Business Loan Repayment Insurance? I have a BLRI premiun of £4401.98 plus interest £2610.82 added to the original loan on the 27th Feb 2005. I am self employed sole traded.

 

Hello ataction.

 

I am not to sure regarding blri, but I would feel that it should follow the same principle for mis-selling. It should be appropriate to your requirement and should pay out if needed. Otherwise you are sold a policy that you cannot use and they make lots of money on.

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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I am pursuing a claim so will keep ypu posted

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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  • 1 month later...

Well I started this claim without the same enthusiasm I had for reclaiming my bank charges. The pursuit of the refund of bank charges was a mission, but eventually I was successful in all claims. The BLRI case seemed a little more complex, however I have today received an offer of a full repayment of the premium plus interest accrued. They are going to credit my loan account with the amount. The only query I have is regarding the interest accrued. Should I just agree and let them calculate the interest or should I seek confirmation of the amount.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Well done on your seccess.

 

I would personnaly not trust them to calculate the amount.

 

you can use the standard bank charge spread sheet to calculate the figure for you. simply enter the amount of the PPI when the loan started in the charges field in the sheet, and the date it started then change the interest rate to the APR you were charged and it will calculate the amount + Contractual for you.

If I have helped click my scales....

 

Find my threads by clicking here

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Well I started this claim without the same enthusiasm I had for reclaiming my bank charges. The pursuit of the refund of bank charges was a mission, but eventually I was successful in all claims. The BLRI case seemed a little more complex, however I have today received an offer of a full repayment of the premium plus interest accrued. They are going to credit my loan account with the amount. The only query I have is regarding the interest accrued. Should I just agree and let them calculate the interest or should I seek confirmation of the amount.
Hello Ataction,

 

I was so happy to hear your excellent news, just shows to keep at them. Now as for the refund, that is your choice as to what figure to settle on.

 

I would be like minded as them, I would want the contractual orstatutory interest from the date it was taken, and if you don't ask, well they are not going to give it freely. Ask them for a breakdown of the calculations before you accept the offer.:D

 

Well done and have a very merry xmas: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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Thanks for the advice. I am accepting the 7K settlement and moving on.

 

This one is done and dusted.

 

I have some useful tactical information for potential claimants, particularly for business accounts and the self employed. I will post with this information in due course.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Thanks for the advice. I am accepting the 7K settlement and moving on.

 

This one is done and dusted.

 

I have some useful tactical information for potential claimants, particularly for business accounts and the self employed. I will post with this information in due course.

 

Again well done on your great success. It would be great to see new information if you could post up

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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Thanks for the advice. I am accepting the 7K settlement and moving on.

 

This one is done and dusted.

 

I have some useful tactical information for potential claimants, particularly for business accounts and the self employed. I will post with this information in due course.

 

Congratulations. Im really pleased for you.

I really look forward to the posting of information regarding Business accounts, and self employment..

Thank you.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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  • 3 years later...

I am about to embark upon a BLRI claim against Lloyds TSB for a missold policy just as you did 'ataction'. It seems that you were very successful very quickly. What routes did you use to resolve this? Formal complaint, then ombudsman or jst straight to legal?

 

Any help would be appreciated on this one.

 

J

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