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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.
      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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Halifax PPI Claim Help!


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Hi,

 

I've just received the paperwork from halifax and I was hoping that someone could give me advice on what I should do next...I took out the loan in September 2003 and I can see that I've signed the PPI section although I remember them telling me I would be refused if I didn't sign it as it was for a large amount and I was young. It was for £15,000 over 7 years and I was 23.

 

I have never missed a payment although I did enter into a payplan agreement for about 12 months or so while I sorted out my finances. In fact duringn that agreement I overpaid the loan by 2 months.

 

In the summer of 2007, when I entered the payplan agreement I contacted themto cancel the PPI....they told me that I would have to take out a new agreement for it. Considering I was using payplan at the time they told me that the loan would probably have a less afavourable interest rate if they could offer me one at all!

 

I know I need to fill in a stage one letter but I've found numerous templates and I'm not sure which one to use. I'll be putting the loan details into the spreadsheet tonight but to I also included statatory interest or compound interest (which one should I use!) in my first letter.

 

I was also wondering if it's worth including reference to PPI rules prior to 2005 just in case they delay the claim with the response that it doesn't fall under the FSA rules.

 

Your help would be greatly appreciated!

 

Regards,

 

Ross

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Sorry, I should also add that I was a full time permenant civil servant, and still am which would mean I could never make a sucessful claim against the insurance and I get a redundancy package and full pay during times of sickness - they knew I was a civil servant.

 

I'm hoping the reasons it the last post and this one are enough to prove I was mis-sold the policy!

 

Cheers,

 

Ross

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Hi again,

 

I hope someone is able to help. I've put my figures into the spreadsheet provided it says the total PPI interest paid to date (I've made 64 payments of out 84) exceeds the total charge for credit for PPI stated on my loan agreement for the life of the loan. Can anyone explain this please?

 

Kind regards,

 

Ross

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