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    • Hi   I am sure other will be along to assist so please be patient.   I can see where you are coming from as to any prospective buyer if they done checks on your car it would look like your car has been clocked due to the mileage discrepancy.   Now the Garage that done the MOT and recorded the incorrect mileage although they has said this was there error do you actually have that in writing that they have admitted it?   Anything you do with the garage that recorded the incorrect mileage you need to stay off the phone and put everything in writing as you need a paper trail of this.   Did you go through VOSA Complaints procedure due to the mileage error and get a decision for there examiner's assessment? (if so exactly what did there outcome state?)   If not IMO you need to write to that garage and ask why the incorrect mileage was recorded on your MOT after your (discussion/phone call on XX/XX/2022) where they admitted the incorrect mileage was recorded and how they are going to rectify this issue with VOSA.    You also need to send that specific Garage a Subject Access Request (SAR) (giving them all your vehicle details) asking for 'ALL DATA' the simple phrase covers whatever format they hold that data in whether it be written, email, recorded phone calls etc.   They then have 30 Calendar Days to respond only once they have acknowledged receipt of your SAR request, they may ask you to provide ID to confirm who you are which they are allowed to do.   As said please be patient others will be along to advise.
    • Hi   I have to agree with dx100uk on this any warranty given does not exceed your rights under The Consumer Rights Act 2015.   As for them stating this was a 'Private Sale' really the Trader sold this vehicle and you have rights under the Consumer Rights Act 2015.   Consumer Right Act Legislation:  Consumer Rights Act 2015 WWW.LEGISLATION.GOV.UK   Were you by any chance told you signed a legal agreement into a Private Sale where there are no returns or refunds?   Look at this review go down the webpage until you get to the very first one star review (15 Oct 20) and have a read of their response::   We Sell Any Auto | Car dealership in Preston | AutoTrader WWW.AUTOTRADER.CO.UK Browse all current We Sell Any Auto vehicles for sale. View contact details, customer reviews, services offered and more on We Sell Any Auto.   It may be helpful if you could post up in Multi PDF Format fully redacted the documents you signed for this car so we can see what you signed. Also have you put the cars registration into the Governments Check MOT to have a wee look at the Cars history: https://www.gov.uk/check-mot-history We Sell Any Auto Ltd   Registered Office Address: Brierley House Brierley Street, Ashton-On-Ribble, Preston, Lancashire, England, PR2 2AU   Company Number: 10485166   Company Status: Active   Incorporated: 17th November 2016   Company Type: Private Limited Company   Previous Company Names: Three Oaks Car Sales Limited -     17 Nov 2016 - 02 Dec 2019   Nature of Business: 45112 - Sale of used cars and light motor vehicles   Directors: Tom Brown (appointed 1st Dec 2019), Dan Carruthers (appointed 17th Nov 2016)   Companies House link: https://find-and-update.company-information.service.gov.uk/company/10485166   Endole link: https://suite.endole.co.uk/insight/company/10485166-we-sell-any-auto-ltd   Bizdb link: https://www.bizdb.co.uk/company/three-oaks-car-sales-limited-10485166/
    • Hmm sounds like they are covering for him especially as he opened door and walked in.  No need to report it just ask for advise re what they would class this as for your complaint.  Clearly he has broken the law. I have a post regarding dpd where he tried to push his way in to a neighbours house and demand that she is in the living room holdìng the parcel. Dpd are known for doing this sort of thing. I have made several complaints about them and there male staff trying to force the way into houses past females. One even tried it with me tho bad mistake as they thought l was alone. The guy could not see my 18 yr old Son upstairs, my partner coming threw from Kitchen and a friend at side of house. As soon as my partner and friend appeared he decided a picture on doorstep is fine despite our friend tecording the guy before he noticed him and the video being forwarded to dpd they have done nothing.  I know he still works for them as he delivered to me Tuesday.  You need to kick up a stink tell them you want a copy of the complaints procedure. Maybe even policys on driver behaviour. 
    • Sri Lanka's giant neighbour is emerging as one of its biggest providers of aid, after years of mistrust.View the full article
    • One of the things that could help your case is their first PCN to you. Could you please post it up as I think there will be at least one thing that would help in your defence.
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Reclaiming ppi, interest question


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Hi,

 

This loan has been repaid in full but I was wanting to reclaim the ppi I paid on it as it was mis-sold

 

Loan 4000

ppi 1226

Interest 2236

Total to repay 7462

 

I paid it over 48 mths at 155.46 per month.

 

I don't know how much of this interest (2236) was paid to the loan and how much was paid to the ppi, does anybody know an easy way for me to work it out please?

 

Thanks

Sjay

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Hi,

 

This loan has been repaid in full but I was wanting to reclaim the ppi I paid on it as it was mis-sold

 

Loan 4000

ppi 1226

Interest 2236

Total to repay 7462

 

I paid it over 48 mths at 155.46 per month.

 

I don't know how much of this interest (2236) was paid to the loan and how much was paid to the ppi, does anybody know an easy way for me to work it out please?

 

Thanks

Sjay

 

I cannot help you out here if you make a claim via the Financial Ombudsman Service they will use a formula to calculate what you are due in a refund. You should be able to claim the PPI added to the loan including the interest but you will not be able to claim any compound interest over the loan period only the initial interest added to the PPI at the beginning of the loan. You should however claim the statutory interest at 8% on each and every payment made from the date the payment was made each month until such time as a settlement is agreed via the FOS. I hope this helps. It seems to be a bee in the bonnet but you will not be able to claim the contractual interest rate on any PPI you have paid.

 

good luck

 

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.

 

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Hi aa, thanks

 

Am I right in thinking I have to put a claim into the loan company first before I would go to the FOS?

 

If so, just wondering what my initial claim would be for then. Since my ppi was 1226 paid over 48 months, would I claim back £25.54 per month + 8% for each monthly payment?

 

Thanks

Sjay

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Hi,

 

I think now I should be reclaiming my ppi + the interest paid on the ppi + 8% Stat Interest.

 

I'm just not sure how to work out the interest paid on the ppi only. My loan application gives a total value for interest (2236) but this is for the loan & the ppi.

 

Any ideas?

 

Thanks

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Sjay

 

Don't worry too much about putting figures in your complaint letter. just get it off to the institution concerned and then wait (you have to give them 8 weeks to repsond before you can go to the FOS). You can always ask for a breakdown from the bank/loan company when you get a refund and then post the numbers on the forum here for someone to check!

 

Good luck!

 

PS there is now a questionnaire on the FOS website to send to the company concerned instead of a letter and then if your claim goes to the FOS, you use the same questionnaire to send to the FOS.

 

Good luck!

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