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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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Question about payment protection


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HI all

Just wondering if someone can give me some advice on a loan my partner has. My partner had taken a £3000 loan out over 5 years,then toped it up to 5000 about a year later when our first child was born, which had ppi with it,see can't remember if she initially agreed to this,but we have been paying it anyway,the problem is when we toped the loan up when our first child was born she was not working then and is still not working now 2.5 year later.

TO be honest we completly forgot about the PPi insurance with the loan, can we claim this money back or part of it?

 

ty

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I successfully claimed back my PPI from Cap1 - but I had to go through hell & high water.

 

Did you check the t&c's re PPI?

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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Make sure you read them thoroughly (the difficulty of this depends on the bank - some are worse than others) & if I remember correctly at the time I signed up, there was a box to tick if I wanted the PPI (which I didnt). They charged it anyway but I kept my agreement and so I had proof, so they refunded - thats the simplified version, it actually took a hell of a long time.

 

But stick with it & good luck

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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im going through hell with cap one . trying to get my ppi refunded . they dont help , or co operate in any way . it just makes me more determined ! how long did it take others to get cap one to pay up ? i have been trying for 3 months now ty

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Just had a check with my Cap1 Visa card account. That was opened early 2004 and it took 1 year and 8 months to get the PPI taken off my account. However, it appears I never received a refund.

 

Then the PPI Suddenly reappears a year later and this time I kicked up a bigger fuss and they refunded a measly £69.66 and 2 finance charges of .38p and .12p respectively - that took 7 months

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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we have just had £2000 back from barclays after the fos awarded in our favour,be warned it has took us 20 months as the fos are snowed under.our main complaint was that my wife worked under 16 hours aweek,you have to work at least that to be able to claim ,and the fact the ppi was added at the begining of the loan in full and were unable to cancel when we found this out. good luck.

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