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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 on a personal loan - ADVICE NEEDED PLEASE!!!

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Hi guys, I'm really hoping for some advice here. My husband (before we were married) took out a £15k loan from Natwest in 2007. At the time he was running his own business (a limited company). He was flagrantly missold PPI, as he was convinced it was a service charge that he paid every month in case he ran into financial difficulty, and he assumed that he'd just have it removed when he got a regular salaried job. HE NEVER REALISED that it was a lump sum (+ interest!) that was added to his loan amount. Recently we've come into some money and thought about paying it off in full so we checked out the loan agreement and realised what the heck this PPI actually was! So I've been reading your posts and he contacted the

PPI Customer Concerns Team, Regulatory Risk, 5th Floor, 1 Hardman Boulevard, Manchester M3 3AQ.. phone is 0161 755 6890 by phone. They took all the info and told him that he'd hear from them within 8 weeks but that the best he could hope for was a reset of the loan without the PPI but no compensation!

Advice on what we could do next?

Thanks :)

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it is extremely unhelpful when you make more than one post on the same problem in different forums. It duplicates the work of the site team. People will be unable to keep up with what is happening when you start receiving different replies on different threads.


Please don't do it

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do I understand that even at the time that he was sold the PPI, that he didn't have an insurable interest? In other words, the PPI which he bought at the time was not suitable to his particular circumstances.


When you spoke to them on the telephone, did you record the call?

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He and his business partner had set up a consulting firm as a limited company - so effectively he was self employed as his employer (himself) had no redundency scheme etc, so yes that is how i understand it.


when he (husband) spoke to them this morning to initiate a complaint he did not record the call. should he have? i had to force him to make the call as he's so embarassed to have been ripped off!

Thanks :)

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In that case the money has been paid under a mistake and is entirely recoverable.

Additionally you should be able to claim at least 8% interest pa calculated daily since the beginning of the PPI contributions.


Why are you making phone calls without recording them?

Even the statement made that "..at best ... no compensation " is itself misleading ind unfair. If you had that recorded this itself would give you good leverage to get your money quickly and with less fuss.


People who say that they are going to record their calls in the future are like people who only join the AA after they have broken down on the motorway.

Record your calls.


You have to decide how you want to get your money back.


Slowly - you can complain to the FOS, wait a year or more and then get it all back. Very likely that the FOS will find in your favour.


Quickly, threaten a court claim and then issue the claim for the refund plus interest. You can reckon that they will cave in and that you will have your money back plus interest plus costs in less than 6 weeks.


Maybe your best bet is a compromise.


Get their email address and write to them formally saying that you want your PPI payments back plus interest which you will accept at 8%.


They will probably refund you and tell you that they won't give you the interest because it is not their policy.


Accept the repayments. Pay in the cheque and than go for the interest.

Do not sign any full and final settlement agreements.


I rate your chances of getting your payments as 100%

I rate your chances of getting the interest at better than 90%


Do not go to the FOS under any circumstances. A complete waste of time in your circumstances.


If you get a call recorder, a Truecall, for instance, try calling them and see what you can get them to say to you on the record - for future use.

You do not need to warn them that they are being recorded.

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