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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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the reason why they want you to go to there office and sign is

 

it will be a non concealable agreement as signed on trade premises

 

if its going back to the beginning then there are to be no charges, period

 

 

please please do not sign nothing until welcome give it to you in black and white

 

we all know how shy they are with that

 

if you go to sign the new contract, when the give it you, go into a corner on your own and read it and read it again before you sign as you will not be able to cancel

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Thats what an official from the FOS said today via phone and Welcome cant keep my money cos the 2 accounts are now all paid up.

 

Was on the phone to Welcome today and I asked about arrears and she said that the new contracts will be dated from the new start date without any PPI and any arrears.

 

So I said so in effect I dont owe you anything because the accounts are now all paid up as of yesterday, she then said they may remove all the arrears.

 

My question then was that if the PPI was not added to the loan in the begining then any arrears would not be added to the account so in effect Welcome owe me more money.

 

I have a contract here to sign and send back for a loan but the car I have to go to the local branch and sign on there premises, I didnt with the first agreement so whats changed.

 

Welcome and the FOS said the contracts will be dated from the beginning without any PPI added.

 

One account the payment had dropped from £326 a month to £244.00 saving me a whopping £82 a month. Now times that by 37 months (£3034) plus there interest rate which I didnt know was this high (30.27%) plus the 8% stat interest rate and the £200 they owe me for the hassle, and thats just one account.

 

Another one to go :)

 

Regards

 

As before BEWARE do not sign any new agreements. Do not sign any new paper work just let them adjust the existing agreement to show NO PPI and to refund you the mis-sold PPI plus the interest. Be ever watchful for tricks as they are full of them.

 

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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I understand that but why would I cancel an agreement that in effect is paid up already. The loan finished yesterday and the car finished in July.

 

The reason its gone on a few months more is arrears and Im trying to get that refunded as well because if they had not put the PPI on the agreement in the first place, the payments would of been more managable.

 

I cant see any reason what they would gain from it?

 

 

the reason why they want you to go to there office and sign is

 

it will be a non concealable agreement as signed on trade premises

 

if its going back to the beginning then there are to be no charges, period

 

 

please please do not sign nothing until welcome give it to you in black and white

 

we all know how shy they are with that

 

if you go to sign the new contract, when the give it you, go into a corner on your own and read it and read it again before you sign as you will not be able to cancel

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Welcome say this is now how they send out new contracts, it looks like a photocopy and not an actual contract like when I originally signed?

 

 

 

Also today I've received a photocopy of a new contract but although they say in the letters above that the new contracts will be back dated, the new contract dont have any dates on them?

 

So are they legal contracts?

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if you have the info on the ppi please advise asap

i cant stress the importance of this

 

Hi Post

Have pm with policy schedule for ppi - couldnt get it sent to here - dont know how.

Apologies if you received it more than once as I had a bit of trouble using photo bucket for first time

 

electric

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If you go to the home page, a ppi calculator is listed there for you.

 

I myself am sarting out with these morons and will enjoy messing with their heads..

 

See it through and be brave, they know you are worried whats at stake, but if you can remove yourself emotionally from the worry of losing all that cash then you will see that this is just a blag from them.

That contract is so illegal its silly!! If you were to sign that then someone at Welcome is going to the nick.. :)

 

Trust me, i know, ive had plenty of cash back and deal with this type of **** in my job as a finance debt advisor.

 

Sock it to em :evil:

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Thats an interest calc, looking for one that give you a final figure for a PPI claim but I have tried the one on here and get confused :)

 

Regarding Wescum Im not giving up no way to much to loose £8000 plus but Im more concerned because they have given me a dead line and the FOS say the contracts are normal to sign.

 

Now, if I sign this contract and the one at their local office Im concerned to the point if they are trying to con me in some way, hence the urgency in seeking help.

 

Regards.

 

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