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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
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PPI and YCC / DAF


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Has anyone had an issue with misselling of PPI from YCC/DAF?

 

I was bullied into obtaining it in the first place and it has now taken over 8 months to find out which company provided this 2 years after the car was returned.

 

But now I have received some really interesting information on how much was actually paid by YCC for PPI.

 

Has anyone else had this experience?

Abbey - £539 pending - !!!WON!!!

Halifax - £676 pending - stayed at court

2nd Claim with Halifax - £168 pending

Lloyds TSB - £780 (sisters) !!!WON!!! - Filed waste of costs order (on hold)

Barclays - Barclays filed crap defense - on hold

 

AND THE BANKS ARE STILL CHARGING!!!!!!!

 

How very dare you!!

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Has anyone had an issue with misselling of PPI from YCC/DAF?

 

I was bullied into obtaining it in the first place and it has now taken over 8 months to find out which company provided this 2 years after the car was returned.

 

But now I have received some really interesting information on how much was actually paid by YCC for PPI.

 

Has anyone else had this experience?

 

Hello Lea,

 

Sorry who is YCC/DAF can you fill us in please: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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no but were u also charged for the useless warranty they added to the price of the car which also appears to be payable over 4 years would be very interested to know if this policy was also paid upfront by YCC or again if we are being conned out of money

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YCC is yes car credit

 

Thank you nblaen:D and who is DAF:-o

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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So are ycc the brokers:rolleyes: for the loan:rolleyes:

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 weeks later...

first cca them and get the paperwork there is a lot of them incorrectly done if you gave a car or paid them money as a down payment they would have taken it off the insurances and not off car balance as they should have done this apparantly makes the agreement invalid give me a shout when u get the paperwork

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  • 11 months later...

Sorry, been nearly a year since I last posted on this thread. I am currently filing a court case against Direct Auto Finance and Yes Car Credit for mis-selling of PPI insurance on the grounds that it was sold on the basis of no insurance - no car. Also, the paperwork I received shows that the policy was cancelled on 05.11.2005 but DAF continued to threaten for the remaining payments of the full policy. Also I have since found out they added hidden commissions (which is another subject). But yes, I am claiming all my payments back from DAF with regards PPI and commissions and in total is comes to over £2500. Will keep you posted!!

Abbey - £539 pending - !!!WON!!!

Halifax - £676 pending - stayed at court

2nd Claim with Halifax - £168 pending

Lloyds TSB - £780 (sisters) !!!WON!!! - Filed waste of costs order (on hold)

Barclays - Barclays filed crap defense - on hold

 

AND THE BANKS ARE STILL CHARGING!!!!!!!

 

How very dare you!!

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My deposit was taken off the insurances not the car!!

Abbey - £539 pending - !!!WON!!!

Halifax - £676 pending - stayed at court

2nd Claim with Halifax - £168 pending

Lloyds TSB - £780 (sisters) !!!WON!!! - Filed waste of costs order (on hold)

Barclays - Barclays filed crap defense - on hold

 

AND THE BANKS ARE STILL CHARGING!!!!!!!

 

How very dare you!!

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  • 3 weeks later...

hi i am just getting started on this for my dad, he had a car from YCC 41 months ago, he has got 7 months left to pay, where do i start with getting some of his PPI stuff back, his old car was also taken off the insurances and not the new car loan

 

thanks

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