Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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

RBS Loanguard v Questioner


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5144 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am thinking of reclaiming for a RBS Loanguard policy.

 

I have found the agreement too.

 

We only just found out that PPI was attached and were self - employed at the time.

 

If needs be I can upload the while policy so that others can check it with benefit to themselves. We tend to save everything so.....:)

 

This is the agreement the PPI is attached too. Although this loan has now ended the enforcibility of this doc may have been questionable too. S 18 springs to mind re Multiple Loans banged up as one for starters.

 

This however is not the main resaon for this thread. I just want to use it to record how we go on with the prospective PPI claim..

 

Loanguard3edit.jpg

Link to post
Share on other sites

What were the dates of the loan , Q ? Start and finish dates:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

There are no dates at all on the agreement - will have to check on the statements.

 

We know its finished though as the amounts due stopped on statements and the bank confirmed it was done with a while back.

 

our records indicate that this loan started in April 04.

 

The bottom right hand corner is interesting

 

They have bunged the main loan and PPI all together.

 

The APR box is 15.9 %

 

Is all this correct? SOMETHING FEELS WRONG TO ME.

Edited by questioner
Link to post
Share on other sites

You will need someone like postgi or steven4064 as well as many others on the forums who understand the APR issues. I dont have a clue, sorry. x

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

As I am new to this PPI thing I would appreciate it if someone could show me the best shortie letter to start the ball rolling against this Loanguard issue.

 

Perhaps just a short please give me the dosh back type letter, that the bank can refuse to comply with, so that I can subsequently bang in a more detailed one after that...

 

I do have one in the wings from another thread but will save this until later on.

 

Basically - I was self-employed and had business insurance at the time; did not know what the heck PPI was and would not have wanted it. It seems like it was just shoved onto this contract above .

Edited by questioner
Link to post
Share on other sites

  • 2 weeks later...

Game on

 

I got this off RBS

 

RBS30nov091edit.jpg

RBS30nov092edit.jpg

 

These are the reasons it was missold

 

 

I was self employed at the time and they were fully aware of this. I had my own business insurance (being self-employed) therefore PPI would never have been appropriate to me. Moreover, I believe that on the basis that I had business insurance any prospective claim in the PPI field may potentially have never been accepted by the PPI seller.

 

I was never given any appropriate professional, unbiased advice or choice over this product by them. I had no idea what PPI actually even was, what it entailed and the huge monetary costs to me associated with its addition to any policy.I was given the overall and grossly confusing impression that PPI was an indispensable component that one had to accept without question. This I believe to be unfair and extremely misleading. I was not ever informed that I could obtain cheaper alternative PPI elsewhere, if required either. I told them that I noted that this latter concern has now been the subject of an enquiry by the Competition Commissioners Office who were especially critical of PPI.

 

I have serious doubts that I ever even said yes to any PPI product, believing that any tick box or whatever used on any application form may have been ticked already, before I saw this. In fact this belief is supported by the fact that the unsigned Personal Application Form, relating to this account, has been filled in by THEM – not me.

 

I also mentioned ...............

 

FOS statistics for Jan-June 09 illustrate that a huge 94% of insurance complaints against RBS were upheld.

 

They may not like that bit too much.

 

Any bank-crushing PPI tips always appreciated folks.......

 

Cheers

 

Q:)

Link to post
Share on other sites

Cast your eyes over this and you will see you can win against RBS.

 

***RBS PPI Claim Long fight but, WON***

 

Very long thread but useful stuff in there and letters which may help you out.

 

Give them their 8 weeks as required by law and then bang in a complaint to the Financial Ombudsman Service.

 

Please ensure you have copies of all correspondence both ways to send with your complaint.

 

The complaint to the FOS will result in a charge of £500 being levied against RBS by the FOS.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/QG1.pdf

 

how much is the case fee?

The standard case fee (which we charge for the fourth and any subsequent “chargeable” case during the year) is currently £500 (from April 2009). Case fee arrangements are reviewed each year and may be subject to change.

 

Believe me RBS will be well over 4 cases. :grin:

 

Post up if you have more queries. ;)

 

aa

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.

 

Link to post
Share on other sites

Alan - lovely thanks a lot.

 

I will study it in detail as soon as I have attended to more pressing shark attacks on other threads, which have rolled in today.

 

The PPI thing is proactive and great but I have to watch my defensive back too.

;)

Link to post
Share on other sites

  • 4 weeks later...

Hmmm, looking good perhaps ?:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I have been successful on 3 RBS loans in the last wee while. 2 of them took @ 12 weeks and they sent letters as per above. Sometimes the delay is caused by the local branch being slow to send out the info - esp if the loans are old.

 

Hang in there!

Link to post
Share on other sites

They said...............

 

RBSreply23dec09edit.jpg

 

Try and keep the timescales tight. I allowed them too much time and so my claim took nearly 12 months. 8 months of fighting RBS and 4 months for the FOS to uphold my claim plus ICO slapped RBS for not knowing Direct Line Financial Services had been legally transferred to RBS and so should have automatically dealt with the entirity of my complaint.

 

I no longer get monthly calls from my friendly customer support to see if they can help me with my finances. :D

 

aa

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.

 

Link to post
Share on other sites

Thanks folks - I shall not give them an inch as that is not my way.

 

May need to send a gee up response soon as my claim went in at the end of Nov.

 

Keep on top of them. RBS will try everything to keep you off track while they spend thousands of pounds in sponsorship keeping formula 1 cars on track :D

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.

 

Link to post
Share on other sites

Try and keep the timescales tight. I allowed them too much time and so my claim took nearly 12 months. 8 months of fighting RBS and 4 months for the FOS to uphold my claim plus ICO slapped RBS for not knowing Direct Line Financial Services had been legally transferred to RBS and so should have automatically dealt with the entirity of my complaint.

 

I no longer get monthly calls from my friendly customer support to see if they can help me with my finances. :D

 

aa

 

 

Oh dear, I reckon you must be gutted about the loss of their "professional advice" aa.. :rolleyes::D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Try and keep the timescales tight. I allowed them too much time and so my claim took nearly 12 months. 8 months of fighting RBS and 4 months for the FOS to uphold my claim plus ICO slapped RBS for not knowing Direct Line Financial Services had been legally transferred to RBS and so should have automatically dealt with the entirity of my complaint.

 

 

aa

 

Nice one:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 3 weeks later...

Claim went in at end of November and they have just written again asking for my patience whilst they investigate.

 

This time however they did say I could go to FOS if I was unhappy about the wait.

 

How sweet of them.

 

 

Not sure what path to take .

Link to post
Share on other sites

WINNER

 

 

RBS has just agreed to refund all PPI premiums paid and insurance.

 

Nice!

 

 

Well Done when you get the cash post up and I will add a **WON ** to your thread title. Also please remember to post your success in the stickies at the top of the forum.

 

aa

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.

 

Link to post
Share on other sites

Well done, that seems to have taken about 2 months (allowing for the christmas + new year break). I wonder if banks are getting used to the idea of paying up and starting to give in a bit more or if it was a one off.

 

Either way its a good result.

Link to post
Share on other sites

  • 1 month later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...