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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 
      • 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 on ge capital store card


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While flicking through my statements i received from ge capital from a sars to do with late payment charges i noticed ppi (balance cancellation cover) on there, which i cancelled as soon as i discovered it. I vaguley remember a phone call years ago from a guy selling something which i think i said yes to as he scare sold me into it.

 

Anyway, what i was wondering is do i have to send off another £10 with the PPI sars or as they have already received £10 for information which i got back and it does have PPI on there shall i send off a ca request ?

But as i the PPI was added to my card later do i still send off for a copy of my credit agreement, or shall i move on to the next step.

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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sorry meant to say not sure if all details are there !!! should i still send off a full sars again or just request more details on the PPI side.

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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  • 4 months later...

I wrote to ge money in november asking for information they they had not provided on my river island store card sars. I received a letter back form them stating that if i wanted that information i would have to pay the £10. I wrote back to them saying that i had already paid the £10 fee with my sars back in march 07 and they were in breach of the data protection act.

 

i received nothing SURPRISE

 

I sent them another breach of the data protection act in feb but i have still received nothing. Where do i go from here?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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  • 2 months later...

since the last post i've sent another breach of the dpa and asked for the ppi i knew about back, to my suprise they actually replied.

 

They wanted to know what info i required from them (they already know this, but as i've recently found other accounts i had with them i've asked for info on them). They also said that they have paid ppi premiums, interest at only 8% and £15.00(15.00 what a joke) compo on to my account, which is all good and well but i want my money in my hand not their pocket.

 

They got a reply telling them that if i deceided to accept their offer i wanted it in a personal cheque made payable to moi , the interest rate i paid 17.9%and a bit more compo for my inconvieniance. I also wanted a breakdown as to how they got their figures as i believe i paid more.

 

will keep you posted

  • Haha 1

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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I like to see a good fight:D

 

Stick with it;)

 

love it aa i won't give in

 

received my statement this morning :mad:

 

The cheeky bleeders have just put their pathetic offer on there so my account is £200 lower but still not i'd agreed.

 

In my previous letter to them i'd specifically said not to put the money on there as i'd not agreed to any offer, I specified my terms which would make me agree.

They still have to send me a breakdown as to how they reached their figures.

 

Letter of complaint gone off today advising them to meet my terms or i'll take my complaint to the FOS.

 

I'll keep at them don't worry .:p

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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Recieved a letter today re my ge money account, only it was from santander cards informing me that its no longer ge money.

 

Anyone else aware of this ?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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