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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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PPI offer from first plus would you accept it?


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hi

 

after sending 1st letter off to first plus and getting a "we will not give you anything" letter back we left it for a few months, then dh decided to contact the ombudsman, we have now received a letter from first plus -

 

dear mr *****

 

we have recently received a letter from the Financial Ombudsman Service (FOS), asking that we issue you with a final response to your complaint regarding your payment protection policy.

 

I have reviewed the details of your complaint and remain satisfied that the details of the payment protection insurance policy were explained to you correctly. I am also still satisfied that information regarding the cover was sent to you for your consideration prior to proceeding with the arrangement.

 

Nevertheless, having considered your complaint the senior managers of Firstplus are willing to reach an agreement with you in an attempt to reach a mutually agreeable outcome.

 

we would therefore like to offer you an enhanced rebate of the insurance premium of £6,932.35 in addition to the rebate of £4,051.41 that was included in the settlement figure of your loan.

 

The enchanced rebate offer is calculated on a pro-rata basis of 78% of the insurance premium and takes into account the policy provided you with cover when your loan was in force (14 months) and the rebate is calculated on the unexpired term at the time you settled your loan (46 months).

 

I would point our that this additional refund is made with no admission of liability by either the insurers or Firstplus and is purely a gesture of goodwill.

 

so what would you do, open the box or take the money?

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without knowing the details of your loan in the first place it would be unwise to comment.

 

are your figures calculated using the PPI spreadsheet. etc

 

dx

Edited by dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I wouldn't accept their offer, unless you are really desperate let the FOS do their job. Firstplus seem to be making this offer to most people, me included. I refused and went to the FOS in March 2009. It may be a long wait but for justice its worth it.

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I have reviewed the details of your complaint and remain satisfied that the details of the payment protection insurance policy were explained to you correctly. (If they were totally convinced by this comment they would be offering nothing) I am also still satisfied that information regarding the cover was sent to you for your consideration prior to proceeding with the arrangement.

 

Nevertheless, having considered your complaint the senior managers of Firstplus are willing to reach an agreement with you in an attempt to reach a mutually agreeable outcome. (Because it will be cheaper for them than having to deal with the Financial Ombudsman Service. If you go to the FOS they will face a fee of £500 to start with and you can bet your life if the FOS uphold your claim which is more than likely you will get your PPI refund plus the interest on the premiums and the FOS would probably add on 8% statutory interest from the day the loan started up until the day you settle.

 

we would therefore like to offer you an enhanced rebate of the insurance premium of £6,932.35 in addition to the rebate of £4,051.41 that was included in the settlement figure of your loan.

 

The enchanced rebate offer is calculated on a pro-rata basis of 78% of the insurance premium and takes into account the policy provided you with cover when your loan was in force (14 months) (But did it actually provide you with cover? the exclusions would probably have precluded you from making a valid claim) and the rebate is calculated on the unexpired term at the time you settled your loan (46 months).

 

The FOS route is a long one:shock:

 

Ultimately the call is your own on whether to accept now or complain to the FOS and wait.

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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Yes i also had this resonse. Mine has been with the FOS since last May 08. I received an email last week and an adjudicator is now dealing with mine and reviewing all paperwork etc and will let me know the outcome in 2 to 3 weeks. I will keep you updated through my own thread when I hear something.

 

KaneCole

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