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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 QUESTION (mines with FIRST PLUS)


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There are so many threads relating to PPI but am I correct

 

if you took a loan from First Plus in 2006 and was sucked into their CASHBACK PPI - thats tough luck, you can't claim back.

 

Surely the law should be changed if the insurance is tagged onto the loan amount and you end up owing more than you borrowed in the first place.

 

Incidentally, I have just had our first ever rate decrease from First Plus despite the Bank of England reducing their rates several times over the term of our loan.

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Hi Joolzh13,

Ohh the Cashback from Firstplus.. Well at the momment this is a problem that I am looking into in some detail. In fact Im gathering as much info as I can regarding Firstplus who I have had a few fights with.

 

Please let me know what stage you are with your complaint to Firstplus, If in fact you have started to try to reclaim your PPI.

 

If you are just about to start to reclaim please let me know and I will pass you some good Information regarding Firstplus and their PPI with Cashback.

 

Ian

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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I have been able to reclaim all of my PPI based on their Cashback Scheme - albeit that I haven't received the money yet. I have been sent an acceptance letter that I have been asked to sign outlining that I will be receiving the PPI that have been added to the Loan complete with interest paid back onto the Loan, plus all premium I have paid to date with interest. I sopke to the Complaints Manager yesterday who advised that it would be another few weeks before I got my money back as the financial department had a 'backlog'.

 

Not bothered about that reallly, as time is what I've got!!!!

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Hi Joolzh13,

Ohh the Cashback from Firstplus.. Well at the momment this is a problem that I am looking into in some detail. In fact Im gathering as much info as I can regarding Firstplus who I have had a few fights with.

 

Please let me know what stage you are with your complaint to Firstplus, If in fact you have started to try to reclaim your PPI.

 

If you are just about to start to reclaim please let me know and I will pass you some good Information regarding Firstplus and their PPI with Cashback.

 

Ian

 

Hi - I haven't started anything yet, I found this thread whilst I was looking for information on rejecting a vehicle and looks like another can of worms for me to sort.... where do I begin with the claim is it a simple letter to First Plus?

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I have been able to reclaim all of my PPI based on their Cashback Scheme - albeit that I haven't received the money yet. I have been sent an acceptance letter that I have been asked to sign outlining that I will be receiving the PPI that have been added to the Loan complete with interest paid back onto the Loan, plus all premium I have paid to date with interest. I sopke to the Complaints Manager yesterday who advised that it would be another few weeks before I got my money back as the financial department had a 'backlog'.

 

Not bothered about that reallly, as time is what I've got!!!!

 

Hi,

 

I started a thread here some time ago about First Plus and as of today they have agreed to pay back £7,000 approx off the final settlement figure. I am unsure whether to accept this sum or take it further. I am talking in the region of £45,000 (20,000 cash back sum and approx 2.5 years of payments which amounts to 25,000) if I was to take it to court and be successful). Trouble is I have no spare money to engage a solicitor and pay for court costs if I lost. How did you go about getting all your money back and what reason did you give them?

 

Kind regards,

Doozie

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Hello Joolzh,

 

I am not familiar with First Plus but I am putting in a link to Martin Lewis Money Saving Expert site to another Forum for people with First Plus problems. I hope the mods on here are ok with this and hope you may find some useful information from the link.

 

First Plus PPI - MoneySavingExpert.com Forums

 

all the best

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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