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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
        • Like

Egg card is this PPI?


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I ve just went threw my egg card and noticed i have paid varuoise amounts of money every month called..CREDIT CARD REPAYMENT PROTECTOR.what is this??? i didnt ask for this?? could it be PPI?

Edited by chinnygirl
mbna card also has a payment protection cover?? can they call it anything this is confusing!!1
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Sounds like it ... you can give them a quick call and ask as it is payment protection insurance cover.

 

How long have you had the card and do you recall agreeing to the cover being added to your account, either during a conversation or by ticking a box on the credit agreement when you took out the card?

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I can not remeber if i agreed to the ppi.I have also sent them an e mail as they stated i didnt have the ppi on my account but when i checked my statement it had CREDIT CARD REPAYMENT PROTECTOR on it ... so this is why im asking your advise as im woundering if its worded different on different cards/loans etc ? thanks

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Give them a call and inform that of this inconsistency. Ask them to verify that what appears on your monthly statements is indeed payment protection insurance, it cannot be anything else.

 

Short call, simple answer, then proceed to reclaiming your money ... :)

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  • 2 weeks later...

i have just recived this e mail today what should i do now??? please advise this is what they have taken off me?

Dear Mrs Ellis

 

I'm unable to refund £355.33 for Card Repayment Protections as you added this when you applied for your Egg Card online and it was removed when asked.

 

If you've any further queries please don't hesitate to contact me.

 

Regards

 

Sian Fleming

Internet Customer Services

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Hi Chinneygirl,

 

First of all i have the same problem with Egg and i have been dealing with a director and received a letter in the post today and in the letter is an amount that Egg are willing to pay me back. Which includes unpaid direct debit fees, Card protection Plan (CPP) and Card Repayment Protection (CRP). Egg have basically agreed to pay these charges back in full. The people I am dealing with and i would recomend everyone else to deal with are as follows.

 

Kathy Curzon 08007 834 393 ext 6157

Wendy Schratz - [email protected] ; [email protected]

 

Dont let them fob you off, I even had to file this in county court which cost me £25.00, I then emailed Wendy and told her that i had registered it with the court and hope that Egg pay in full as if it ends up at court it would only incure more money for Egg to pay out.

  • Haha 2

Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

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  • 2 weeks later...

I got a cheque in the post today payment in full £250.64 p and when it clears i will then stop the court action hehe. Brillianr. Chinnygirl any update ?

Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

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  • 9 months later...

i have today received a letter from FOs upholding my complaint for missold ppi from egg and stating they should pay me compensation, egg passed my debt to dlc and registered a default notice on my file i am insisting this is removed what are the chances of egg appealing this, payign full compensation i have a debtg of around 3,000 encompassing ppi and just want this written off and the default notice remmoved with the account closed any advice greatly received they have 21 days

 

FOS say egg did not pay due regard to the information needs of me and sold a product to me that was unsuitable for me

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Hello judyj,

 

you are currently tagged onto an old thread. If you click this link .....

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

then add your own title you will have your own thread which make threads a little easier to follow.

 

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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