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      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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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    • A2Dominion - Housing Association property flooding - damning ombudsman report

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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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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
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Routing through some old paperwork searchin for something else

davey_weir
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davey_weir

davey_weir

Posted
Posted

When I found that my Barclaycard (which is currently under a repayment agreement with the interest frozen) had a PPI on it. I found the following letters:

 

3 May 2006

 

Dear (me)

 

Termination of Payment Protection

I'm writing about the Payment Protection Insurance on your Barclaycard account. We are no longer prepared to allow Payment Protection Insurance Premiums to be debited from your account due to its current position. This means your insurance cover will end, and we'll notify Barclays Insurance (Dublin) Limited to this effect.

 

If you're able to make a claim you can call 0500 500 7000 for the relevant claim forms, and you should also call Barclaycard on the number shown on this letter head (0870 366 5389)

 

If we do not hear from you within 14 days we will contact Barclays Insurance (Dublin) Limited as described.

 

Yours Sincerely

 

K Mallinson

Manager

 

Now, my point is, look at the date. I was unemployed when they cancelled this but did not make a claim, and I have just found out that the PPI would have covered unemployment. I wasnt told this and therefore incurred charges for things like late payment, over my limit etc. If I would have known that PPI covered unemployment maybe I wouldnt have ever had to go into the repayment plan which I am in now?

 

Do I have a case?

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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ultra

ultra

Posted
Posted

Hi

 

The first thing i would do if you haven`t allready is put in a claim for your credit card charges. They will pay you back what ever they have charged you over £12 straightaway, when you have received that carry on with your claim and they will pay you the £12 charges back aswell.

 

In regard to the ppi i think you will struggle in making a claim as they didnt tell you it would cover you for unemloyment and the insurance company will just say its been to long since you should have made the claim so they wont pay out. However you could poss claim back the money which you have paid in relation to the PPI if it was mis-sold i,e you didnt know you had it or was told you have to have the PPi.

 

Hope this helps

 

Nick

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davey_weir

davey_weir

Posted
  • Author
Posted

Have already asked them for a breakdown of charges and the process is pretty much the same as with the bank charges isnt it.

 

I remember having PPI, I just dont remember being told the full benefits of it.

 

Im actually getting copies of every agreement Ive had to see if I had been mis-sold anything as I have just found out I was mis-sold a car i.e. the agreement wasnt what I was told and Im being held liable for £8000!!!

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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alanalana

alanalana

Posted
Posted

Hello nickk and davey,

 

In regard to the ppi i think you will struggle in making a claim as they didnt tell you it would cover you for unemloyment and the insurance company will just say its been to long since you should have made the claim so they wont pay out. However you could poss claim back the money which you have paid in relation to the PPI if it was mis-sold i,e you didnt know you had it or was told you have to have the PPi.

 

 

Where did this information come from please?

 

Please see these links for claims on mis-selling PPI.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

It would appear that the bank have decided to withdraw and cancel the PPI due to the position of your account. Not sure to the legalities of this action.

 

I hope this information is of use:)

 

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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davey_weir

davey_weir

Posted
  • Author
Posted (edited)
Hello nickk and davey,

 

 

 

Where did this information come from please?

 

Please see these links for claims on mis-selling PPI.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

It would appear that the bank have decided to withdraw and cancel the PPI due to the position of your account. Not sure to the legalities of this action.

 

I hope this information is of use:)

 

aa

 

Thanks for your reply, but the links you have posted tell me that the website is not found :(

Edited by davey_weir
Typo

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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alanalana

alanalana

Posted
Posted

Hello davey,

 

Thanks for your reply, but the links you have posted tell me that the website is not found :Cry:

 

this is the second time this has happened leave it with me and I will try and find working links for the info and post it up.

 

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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alanalana

alanalana

Posted
Posted

Hello again davey,

 

the two links are in this thread in stickies at the top of the forum. From this thread they work ok....

 

links

 

and here they are as copied from this thread if you still have trouble please post again.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

 

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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ultra

ultra

Posted
Posted
Hello nickk and davey,

 

 

 

Where did this information come from please?

 

Please see these links for claims on mis-selling PPI.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

It would appear that the bank have decided to withdraw and cancel the PPI due to the position of your account. Not sure to the legalities of this action.

 

I hope this information is of use:)

 

aa

 

Hi alana

 

I meant he would struggle in making a claim due to his unemployment not the mis selling of the ppi.

Sorry i should have explained this.

 

Nick

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alanalana

alanalana

Posted
Posted

Hello nickk,

 

Hi alana

 

I meant he would struggle in making a claim due to his unemployment not the mis selling of the ppi.

Sorry i should have explained this.

 

Nick

 

With you now :)

 

Thank you

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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davey_weir

davey_weir

Posted
  • Author
Posted
Hi alana

 

I meant he would struggle in making a claim due to his unemployment not the mis selling of the ppi.

Sorry i should have explained this.

 

Nick

 

Why?

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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ultra

ultra

Posted
Posted
Why?

 

Hi davey

 

You would struggle because the insurance company would say you should have made your claim over 2 years ago. Allthough this should make your claim to reclaim your PPI premiums back as they obviously did not tell you the benifts of having the Policy or the Terms and Conditions.

 

Nickk

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