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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
      • 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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Hi there

 

Can you claim PPI misold if you're account has been reffered to a debt collector!!!

 

Thanks

 

Anne

 

yes, but the refund will be used to pay off the arrears, before you get a penny, and the bank are fully entitled to do this.

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Thats not a problem Banish (although in an ideal world it would be nice)

 

Is there a template that should be used when writing a letter regarding being missold PPI

 

Thanks in advance

 

Ann-imal

 

check the stickies at the top of the main ppi page.

 

all the best.

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Banish you got my full attention :) . . what is it you need help with ?

Have you made claim yet ?

 

this is your loan figures :

 

total cost of goods: 14,200

optional ppi: 2,200

total loan: 16,400

APR: 18.2%

no of repayments 120

first payment made in 2004 of 295.75

 

do you want me to work out how much interest on your PPI you claim for ?

How many payments have you made ?, are you in arrears or missed payments ? do you still have PPI active or cancelled ?

 

Sorry not read your thread yet but will now, just want clarification on the above and you to know im on it.

 

 

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Lets check your figures first breaking them own to what they really are.

 

 

Your loan is £14,200 over 120 months at 18.20% APR

thats a monthly repayment of £245.33

interest £15,240.24

total payable £29,440.24

 

Insurance

 

Insurance £2,200 over 120 months at 18.20 % apr

 

interest £2,361.16

monthly payment £38.00

total payable £4,561.16

 

total interest is £17,601.40 plus loan of 14,200 is 31,801.00 plus insurance of 2,200.00 is grand total of 34,001.40 repayable is total amount repayable so we divide by 120 to get true monthly payment of 283.45.

 

This is differant to your figure you said you paid monthly 295.75 which would be total of 35,490.00 differance in their favour of £1,488.60, why is this . . . are there any other charges or anything else on the loan, can you post up the agreement to see as it may have other issues.

 

Ok for your PPI claim you need to claim for 2200 initial premium plus a monthly interest figure of £19.68 for every full payment you have made as you pay 19.68 a month PPI interest. then add stat interest at 8% per payment from date of payment to claim date.

 

 

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ozzy - you are a true star, thank you so much for looking at this for me.

 

right i think i am almost there.

 

so did you take the loan amount, 14,200, and add the 18.2 APR for 10 years to get the final figure?

 

the rest i fully understand in terms of working the individual PPI payments and adding the 8% via the spreadsheets available.. just need to understadn the maths behind the figs.. as i am going to do this for about a dozen people and i need to learn as much as possible.

 

also, do i ask for the remaining unpaid PPI to be taken off the balance? or is that done automatically if they uphold the complaint?

 

thanks so much again!!

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do i ask for the remaining unpaid PPI to be taken off the balance? or is that done automatically if they uphold the complaint?

 

thanks so much again!!

 

hi , if your complaint is uhpheld then then yes any remaining ppi would be taken off the balance. you should be put back into a postion were there had been no ppi added to the loan

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HSBC - Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled

Nationwide - S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07.

Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled

MBNA - S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07.

MBNA Loan PPI - Pre lim sent 19-2-10, Settled.

MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10.

HSBC PPI - Pre lim sent 19-2-10, with Court

EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10

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  • 4 weeks later...
What is the basis for saying that it was missold? If it is clear but then I would suggest a clear waring to FP and then a County Court claim.

 

is a front loaded PPI premium with added interest, enough of an argument to take a case to couty court?

 

do they generally fold when filed against, as they did with bank charges?

 

or is there a real chance i would need to prepare a proper attack for a meeting in court?

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rarely do ppi refunds get that far.

 

and that after a bashing from the FOS fails. long long way off.

 

 

dx

Edited by dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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rarely do ppi refunds get that far.

 

and that after a bashing from the FOS fails. long long way off.

 

might be an idea to see how others have gotten on with FP

 

try typing first plus PPI or WHY into our search in the blue bar above and do some reading.

 

dx

 

hi dx, i think there cannot be anybody on earth who has read as many ppi threads as me in the last month.

 

but i have never seen that question answered, it always goes unanswered.

 

and you speak of a FOB bashing?

 

so what are you suggesting mate? complaint to FP, then FOS, the Court?

 

i thought the point was to either go to FOS or court.. not both

 

could you clarify please.

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no there is a chain.

 

Push the OC first for a reclaim.

expire their complaints procedure

get a letter stating 'their final response'

off to the FOS.

 

then p'haps court.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no there is a chain.

 

Push the OC first for a reclaim.

expire their complaints procedure

get a letter stating 'their final response'

off to the FOS.

 

then p'haps court.

 

dx

 

ahh i see, although this is in slight contradiction to what many others post.

 

can bank fodder or anybody else from the site team clarify?

 

do we hit FOS then court.. or is it not worth the hassle with FOS and go straight to court if they dont settle within 8 weeks?

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well if you skip the FOS thats your choice

however, rarely does a PPI claim ever get to court.

 

suggest you read some more.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well if you skip the FOS thats your choice

however, rarely does a PPI claim ever get to court.

 

suggest you read some more.

 

dx

 

ok, well that answers the question..

 

why go to FOS, wait maybe 6-12 months.. when you can go straight to county court?

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...

Edited by dx100uk
comments from op's thread not required here

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cant see it related at all.

 

i'll get these move to your existing thread.

 

seems like you've been answered every question under the sun already there too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cant see it related at all.

 

i'll get these move to your existing thread.

 

seems like you've been answered every question under the sun already there too

 

dx

 

hey, why suck aggro?

 

what the problem here?

 

cool it, or dont bother "trying to help"

 

B.A

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and if its not related, why did bank fodder respond with similar talk?

 

you have a chip on your shoulder, why?

 

have you been unsettled somehow? got something wrong?

 

gone around in a circle and started back at base point?

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