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
      • 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

PPI Refund - Is it right ???


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5857 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

I wonder if anybody can help. I am 2 years into a 10 year loan with London Mortgage company. I got the loan through Loans.co.uk and am currently waiting for my SAR information with regards to mis selling. The loan was for £15,000 and had a single premium PPi. The ppi was for £2528 and interest of £2036. I have written to Sterling insurance with who the PPI is with and asked for the ppi to be cancelled. They have written back to say that the insurance is now cancelled and have included a cheque for £756. Therefore they have given me a refund of 29.9% of the total premium without interest.

 

Firstly can anybody tell me whether this is a fair refund % or should I be expecting more. Also in the letter that came with the refund they have mentioned nothing about the workings out of the refund or the interest amount. Once I have the SAR information i will go after Loans.co.uk but was just wondering what to do about this refund amount.

 

Any help much appreciated

Link to post
Share on other sites

Couple of things Nicho,

 

Have you aaccepted the refund as full and final settlement? (ie Cash the cheque or write back?)

 

If you have they will draw a line under it and call the matter dead.

 

Secondly, in the case of misselling you should look for a full refund along with statuatory interest as set in your original agreement by the lender.

 

29% seems derisory and you should look for it all.

Link to post
Share on other sites

i have cashed the cheque. was going to write back and to say that i accepted this as a partial refund and that i would like to see the workings out and how they have come to that figure. I am still waiting on the SAR information from the agent to press ahead with the misselling.

Link to post
Share on other sites

  • 2 months later...
I wonder if anybody can help. I am 2 years into a 10 year loan with London Mortgage company. I got the loan through Loans.co.uk and am currently waiting for my S.A.R - (Subject Access Request) information with regards to mis selling. The loan was for £15,000 and had a single premium PPi. The ppi was for £2528 and interest of £2036. I have written to Sterling insurance with who the PPI is with and asked for the ppi to be cancelled. They have written back to say that the insurance is now cancelled and have included a cheque for £756. Therefore they have given me a refund of 29.9% of the total premium without interest.

 

Firstly can anybody tell me whether this is a fair refund % or should I be expecting more. Also in the letter that came with the refund they have mentioned nothing about the workings out of the refund or the interest amount. Once I have the SAR information i will go after Loans.co.uk but was just wondering what to do about this refund amount.

 

Any help much appreciated

 

Hey Nicho

 

... me again!! :)

 

Can you tell me how you found out how much the interest is on your single premium? Did you work it out yourself or was it set out in your agreement with LMC via Sterling Insurance?

 

Thanks

 

Painty x

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...