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    • 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
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Zoommjpzoom V HFC/Benifical


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Hello All,

 

I sent a letter to HFC to inform them that i was mis-sold PPI. They have sent a letter back saying there was no PPI on my £2k loan. I still have the orginal which states it on the agreement.

 

Do I go straight to FOS with a copy of the agreement or send HFC the copy?

 

Thanks for the advice people.

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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  • 1 month later...

After sending them a copy of the original loan agreement, the have come back with an offer. But this is only for the first loan that lasted 8 months then extended due increasing the loan by a further £1k. So i have replied to them with the follow letter.

Any input welcomed.

 

I am writing in response to your letter 16th February 2010. Firstly I would like to thank you for your immediate reply to my formal complaint regarding the mis-sold multiple policies for the above unsecured loan.

You have calculated that only 9 premiums from 2/2/2007 to 2/10/2007 have been paid, the loan amount was extended to £2000 from the 2/2/2007. The calculations you have stated is for this flexible loan is £0.79 per £100 of the outstanding balance.

 

I have also requested a full explanation to why I was have not been at any given time contacted for remedial action agreed with the FSA after:

Hfc being fined £1.085 million for PPI failing to take reasonable care to ensure that the advice it gave to customers to buy Payment Protection Insurance (PPI) was suitable, and for failing to have adequate systems and controls for the sale of PPI.

I would like to stress that I am most definitely not in the financial position I would be in had these policies not been sold. I am sure on checking my account you will find that I have been an excellent customer and always maintained my payments but I feel I must point out that I have been experiencing financial hardship for some time now and this is only escalating as the loan continues.

It is not my intention to prolong this formal complaint and I trust I will receive a full and final response and that this matter shall be concluded with the eight weeks time frame otherwise I will be left no other alternative in contacting the Financial Ombudsman Service to investigate my complaint fully.

 

 

Many Thanks for any input :-)

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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