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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.
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      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 reclaim once the loan has ended? *** WON ***


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If I have a loan which has now finished, am I still entitled to reclaim the PPI. The only time we ever tried to use it, for redundancy, we were told "it doesn't cover this type of claim".

 

We were told when we took the loan that it was a condition of us having the loan in the first place, and we certainly weren't given any documentation to read about the loan, nor told that we could cancel it.

 

 

So, as the loan finished in August this year, I'm wondering if I would be able to reclaim it or not - as it could be said we were only claiming it back as the loan had now finished and we'd not used it etc etc (which I guess is understandable!). The amount paid for the PPI was £2,400.

Edited by KER

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Just because the Loan is paid up does not mean you cannot reclaim the Mis-Sold PPI in fact you are on firmer ground as they cannot use that money to pay the loan.

 

Also if the Loan was 2,400 you want that back plus the interest you have paid on that PPI.

 

Good place to start is by reading the stickys at the top of this forum.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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So, as the loan finished in August this year, I'm wondering if I would be able to reclaim it or not - as it could be said we were only claiming it back as the loan had now finished and we'd not used it etc etc (which I guess is understandable!). The amount paid for the PPI was £2,400.

 

That could be one of the things they would try to say. They will also no doubt say that you ticked the box, so you agreed to having the insurance.

 

We were told when we took the loan that it was a condition of us having the loan in the first place, and we certainly weren't given any documentation to read about the loan, nor told that we could cancel it.

This is one of the main reasons for misselling. A loan cannot be made conditional on taking the lenders insurance.

You mention that you weren't allowed to claim for redundancy. I always thought insurance (should) cover redundancy. So if you were given the impression that it did then that could be another reason for misselling.

So I would say go for it. But be prepared for a bit of a fight. Some lenders won't give in that easily.

 

Finally, Could you give us some detail about the loan so peope can give you more specific help. Who was the lender? When was the loan taken out? etc.

HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

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Below are most of the reasons for being Mis-sold a PPI Policy:

 

1 You were not in work or self employed at the time of sale

 

2 You were told that you had to take the PPI out at the same time as the loan or not at all

 

3 You were not asked whether you had any other insurance which would cover the loan

 

4 You were not told you could buy PPI elsewhere to cover the loan

 

5 You were sold a policy which had age restrictions which you fell outside of

 

6 You were led to believe that Payment Protection Insurance was compulsory

 

7 You were told that you would stand more chance of getting the loan if you took the Payment Protection Insurance

 

8 It was not explained to you that there were certain exclusions within the policy that could affect you

 

9 You were pressured into buying the PPI

 

10 You paid upfront for the PPI but it was not explained that there were some PPI policies where you could pay monthly

 

11 Your PPI was an upfront premium and you repaid the loan early and received no refund

 

12 You increased your loan and the PPI was increased automatically

 

13 The Terms & Conditions of the small print were not fully explained to you

 

Regards

 

Leon

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Loan was with Citi Financial for approximately £12,000.

 

All in all I paid back (including the PPI of £2,400) of £23,000 - £383 over 60 months..!

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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  • 1 year later...

Just an update.

 

I decided to go for a PPI claim at the end of June this year.

 

I had a letter back today with an offer of a refund near £4k :) To say the shock I had at how quick Citi agreed to my claim is an understatement!!!

 

So all in all 3 weeks from start to finish of claim ... just waiting for the cheque now, up to 14 days for arrival it says :)

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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Congratulations :D

 

Let us know as soon as you get the cheque ;)

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No court claim.

 

The standard form completed, with a covering letter and a copy of the original contract, together with my workings out on what I wanted in return.

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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Congratulations :D

 

Let us know as soon as you get the cheque ;)

 

 

I shall be sending the acceptance form back by special delivery to ensure no denial of not receiving it in time!! hehe ;-)

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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  • 3 weeks later...

Cheque arrived this morning :)

 

Off I go to the bank and to buy a nice shiny new Apple Macbook Pro with some of the proceeds :D

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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