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    • Rather like farage .. Reform UK plans ‘don’t add up’ and costings are out ‘by tens of billions of pounds per year’, says IFS – UK general election live | General election 2024 | The Guardian WWW.THEGUARDIAN.COM As Nigel Farage launches party’s manifesto, Institute for Fiscal Studies says ‘the package as a whole is problematic’  
    • The finance company has a 50% stake (legal Owner) in the deal so I would certainly involve them. As for the outstanding £3635 bill thats owing to Mercedes in Croydon I wouldn't be in a rush to settle that just yet and keep it in abeyance as leverage.  Where are you at with Doves in Horsham ?
    • or go really bold ... Further to my request for a copy of the agreement you refer to on ( date) I made a section 78 request pursuant to the Credit Consumer Act 1974 to which you have yet to reply or respond. Pursuant to the Credit Consumer act 1974 section 78 (6) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement.
    • Pers I'd stop paying the lot and get each defaulted by a dn issuance.  Defaults can't hurt future renting no Only ccj's Can't keep saying the same answers.    Dx        
    • Ok thank you. That’s where we are getting confused, as we’re not sure where we stand legally. But we’re still unsure who we should be going to now, the dealer or the finance company? I’m assuming the evidence we have (the reports from Mercedes) showing that the fault was there when we purchased would be sufficient to prove this? To be honest we would prefer to send the car back completely as are now concerned more problems may arise.
  • Our picks

    • 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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GoAllTheWay-v-The Rock


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Hi,

 

Can any help me out here? Can I claim back the PPI paid and if so how do I go about it. I have read the consumer wiki page and I have a copy of my PPI aggrement which I took out 3 years ago and I have 2 years remaining. I am not sure if I can claim because I signed a copy and sent it to them. I remember telling them that I had insurance with my employer and they asked me to fill out a questioneer to check if I still needed any further protection. This is what they came up with;

 

 

Following a review of your personal circumstances during your Unsecured Personal Loan application we have identified that you have a need for our Loanprotect insurance for the reasons stated below, if due to unforeseen circumstances you are unable to meet your loans repayments:

 

 

  • For simple peace of mind that your repayments are being made
  • You have limited sick pay
  • You wish to retain your savings for other purposes
  • You are the sole/main income earner

In making our personal recommendation we acknowledge you may have an existing insurance policy with another firm that, when compared to our policy, may offer appropriate cover for this loan commitment. Given that we have not taken details of this existing policy into account, you should carefully check this policy to ensure that our recommendation remains suitable now and in the future.

 

Following our recommendation you have selected to protect your loan with Loanprotect Silver.

 

I contacted them and I was told that I have already paid off most of the interest on the PPI. Below are the figures of the loan and PPI;

 

 

Key Financial Information Loan Amounts

 

Loan Amount

 

Loanprotect Loan £930.06

Cash Loan £6000.00

Total Loans £6930.06

 

Total Amount Payable

Loanprotect Loan £1122.60

Cash Loan £7242.60

Total Loans £8,365.20

 

Monthly Payment

Loanprotect Loan £18.71

Cash Loan £120.71

Total Loans £139.42

 

 

Term of Agreement

 

60 months commencing on the date of this Agreement. On completion of your loan you will be notified of your first payment due date. All subsequent payments will then be due on the same date monthly thereafter

 

The APR is 7.9%

 

Other Financial Information

 

The Total Charge for Credit (which IS made up of Interest) is

 

Loanprotect Loan £192.54

 

Cash Loan £1,242.60

 

The rate of interest is 7.9% fixed for the Period of this Agreement. The Interest payable under this Agreement will be debited to the account at the commencement of this Agreement.

 

You have applied to purchase Loanprotect Silver. The cash price for this is £930.06. This includes Insurance Premium Tax at 5%. The amount of the Loanprotect Loan equates to this cash price.

 

Do I have any chance of a claim?:?

Edited by goalltheway
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;)Hello goalltheway,

 

Welcome to the PPI forum. You will settle in soon and then wonder what the hell just happened. Stick with it there are people on this forum who have gone through Court claiming and won, FOS claiming and won again the way to go to win is your choice.

 

 

 

Can any help me out here? (yes) Can I claim back the PPI paid (yes) and if so how do I go about it. (either Financial Ombudsman Service or Court. If you go to the FOS firist and lose you can still then reclaim through the Court route. If you go through the Court route first and then lose the FOS will not take up your claim. I have read the consumer wiki page and I have a copy of my PPI aggrement which I took out 3 years ago and I have 2 years remaining. I am not sure if I can claim because I signed a copy and sent it to them. I remember telling them that I had insurance with my employer and they asked me to fill out a questioneer to check if I still needed any further protection. This is what they came up with;

 

 

Following a review of your personal circumstances during your Unsecured Personal Loan application we have identified that you have a need for our Loanprotect insurance for the reasons stated below, if due to unforeseen circumstances you are unable to meet your loans repayments: (you will need to ensure they provide proof of this needs and wants questionnaire proving they have indeed identified your need for their Loanprotect Insurance and that they were aware you were already covered as stated below.

  • For simple peace of mind that your repayments are being made
  • You have limited sick pay
  • You wish to retain your savings for other purposes
  • You are the sole/main income earner

In making our personal recommendation we acknowledge you may have an existing insurance policy with another firm that, when compared to our policy, may offer appropriate cover for this loan commitment. Given that we have not taken details of this existing policy into account, you should carefully check this policy to ensure that our recommendation remains suitable now and in the future. And therein lies the the catch but remember this is their recommendation despite the fact you are already covered and so PPI wins again

Following our recommendation you have selected to protect your loan with Loanprotect Silver.

 

I contacted them and I was told that I have already paid off most of the interest on the PPI. Below are the figures of the loan and PPI;

 

 

Key Financial Information Loan Amounts

 

Loan Amount

 

Loanprotect Loan £930.06 You can IMO reclaim this plus interest Plus 8% Statutory interest

Cash Loan £6000.00

Total Loans £6930.06

 

 

Total Amount Payable

Loanprotect Loan £1122.60 Same here reclaim the lot

Cash Loan £7242.60

Total Loans £8,365.20

 

Monthly Payment

Loanprotect Loan £18.71

Cash Loan £120.71

Total Loans £139.42

 

 

Term of Agreement

 

60 months commencing on the date of this Agreement. On completion of your loan you will be notified of your first payment due date. All subsequent payments will then be due on the same date monthly thereafter

 

The APR is 7.9%

 

Other Financial Information

 

The Total Charge for Credit (which IS made up of Interest) is

 

Loanprotect Loan £192.54 IMO Recoverable

242.60

 

The rate of interest is 7.9% fixed for the Period of this Agreement. The Interest payable under this Agreement will be debited to the account at the commencement of this Agreement.

 

You have applied to purchase Loanprotect Silver. The cash price for this is £930.06. This includes Insurance Premium Tax at 5%. The amount of the Loanprotect Loan equates to this cash price.

 

Do I have any chance of a claim? I would suggest you have a sound case to reclaim however things do go wrong.

I hope this helps you Your post is a bit messed up but I believe you have a good chance of success. Keep me posted and I will try and help where I can.;)

I Hope you can follow all the posts any questions please post and I will try and address them asap.

 

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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  • 2 weeks later...

Good luck for a Happy New year,

 

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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