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    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
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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.

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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
        • Like

Reclaim Credit Card PPI - Would appreciate some help


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good morning

 

I've got a number of paid off Egg Credit Cards where I paid PPI each month. In at least 2 cases this insurance failed to pay when I was made redundant as I wasn't in receipt of Unemployment Benefit.

 

How far back can I claim for a refund of these premiums -is it 6 years as with bank charges?

 

also - as the minimum monthly payment was always made and that payment seems to cover the interest and the PPI I'm assuming that there's no interest to be added to the claim.

 

If anyone could advise it would be much appreciated

thanks in advance

S

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remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Hiya Sunshine,

 

Right lets see what I can do for you here.

 

How far back can I claim for a refund of these premiums -is it 6 years as with bank charges?

 

No time limit on a Mis-Sell you can claim back for as far as you can get documents/prove for

 

as the minimum monthly payment was always made and that payment seems to cover the interest and the PPI I'm assuming that there's no interest to be added to the claim.

 

In all the credit card statements i have seen it is listed as:

 

Purchases

PPI

Monthly Interest

 

So yes interest was paid on the PPI and you can indeed claim the interest back at the rate they charged you plus another 8% statutory interest.

 

Regards

 

PF

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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good evening PF

 

many thanks for your advice

 

I spent a while creating a spreadsheet then realised that I should use the calculation spreadsheet from the forum. Started on that but must be doing something wrong as the numbers don't seem anything like another post I saw earlier today. It doesn't seem to be accruing interest beyond the month of the charge (unless I'm completely misunderstanding the numbers )

 

any suggestions on how I can check it would be appreciated

best regards

Sunshine

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Hi sunshine

If you can find it i have a thread a few pages down called Interest advice.

See if you can find it , as Pompeyfaith really helped explain this problem to me

IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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Hiya Sunshine,

 

Yes LDG thread will explain all, and you will find in there a further thread in his which explains in further detail.

 

Any problems post back and ill help you.

 

Regards

 

PF

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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hi PF

 

can you believe that I can't get it right?

 

sorry to be a Numpty but my amounts are different each month (for the credit cards)

and the same each month (I guess) for the Loan agreements.

 

if you could possibly help or explain to me in idiot proof language then I'd be extremely grateful

thanks

S

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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would u like me to work it out for you ?

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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PF that would be fantastic if you have the time.

 

What information do you need?

Edited by Sunshine54

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Problem shared Problem halved right is this credit card or loans ?

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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thank you so much

 

It's a little bit complicated so I'll try to keep is as simple as possible

 

(and I don't expect you to do all these for me but if you can do one of each then I should be able to continue with the others)

Edited by Sunshine54

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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indeed lol hey i dont give up easily we will get your money back do u have agreements 4 the loans ? If so can u scan and post them up leaving out personal data

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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hi PF

 

one agreement is posted in my thread re Egg County Court -don't know how to put a link here (it's on page 7 at the top)

the other agreement is exactly the same except for the amounts and I can post those

regards

S

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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and was originally for 72 months

many thanks

S

Edited by Sunshine54
added more details

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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good evening all

 

If anyone could explain how to use the spreadsheet it would be much appreciated.

many thanks

S

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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