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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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yes

just deduct from the reclaim total what they have already paid out

 

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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DX is spot on and furthermore it is backed up in FSA legislation so go to that site search for PPI and have a good read up

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi there

 

And as the above posts, your able to reclaim if a successful claim have already been made, I have known a few to be successful, but obviously the amount due to be refunded if successful will be reduced, due to so much of it already being used for the claim made.

 

There is also a write up on this on the FOS website.......I think.

 

Good luck.

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  • 3 weeks later...

ah!!

 

our friends swift

 

they'll be more wrong that PPI.

 

most of their agreements are unlawful

 

type in swift in our search in the blue bar above

 

there is a thread running today with all the info you need

 

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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Can anyone point me in the general direction on the steps involved in claiming PPI against those parasites Swift Advances . PLEASE.

 

Oh gosh - another one! They seem to be appearing in droves at the moment...........

 

Hi Hidebehindthesofa:)

 

Joking aside, as dx rightly says there's more than just PPI that's amiss with Swift's agreements as I'm sure you are aware if you've taken a read of the threads in the Swift forum.

 

This, however is where you need to be for reclaiming mis-sold PPI, although it will be the broker you need to go for. Even if it transpires that your broker is no longer trading do not fear as there is always the Financial Services Compensation Scheme (FSCS) who will ensure you get your money back. Sweetjane has just had a complaint upheld for PPI on a Swift agreement where the broker had gone bust and the FSCS dealt with this for her. I believe she has now received her refund :D

 

There are other people (myself included) who are reaching a successful conclusion having gone via the Financial Ombudsman Service (FOS) so it is all quite positive - although patience is required as it's not a 5 minute job.

 

Do you have all your paperwork for your agreement to hand and do you know how much PPI you paid etc? If not it would be a good idea to do a SAR - I sent one to both Swift and the broker, although this will of course cost two lots of the £10 fee - but well worth it to get the ammo, I mean info you require.

 

Either way, a good starting point is to have a thorough read of the 'stickies' at the top of this forum - there is a whole ton of useful info in there as well as a SAR suitable for PPI reclaiming I believe.

 

As dx said if you search this particular forum you will find several other Swift-based threads to give you inspiration and guide you on your way.

 

Good Luck and give us a shout if you have any questions!

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi Guys, wow thanks for the replies, however I do nit have the original documents to hand, so I take It I do a SAR now.

 

Hi HideBehindtheSofa:)

 

Yes, a SAR should be your first course of action - there should be one specifically suited to PPI reclaiming in the stickies at the top of this forum. Otherwise the general one in the templates library will be fine I believe.

 

Keep us posted!

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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