Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • 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
        • Like
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4746 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Everyone, I have put a claim in against EPF for mis-sold PPI on a loan I took out in 2005. I sent the SAR to HFC who trade as EPF and after receiving the SAR back I wrote again asking for info on the account with EPF as I wished to make a claim for mis-sold PPI. HFC wrote back and said that they had forwarded the claim to Norton who sorted the PPI. The PPI is included on the application form and at the time I was unaware of my true options. The loan was paid off in 2006 with the balance including all PPI premiums which had been added to the full term of the loan. Has anyone experience of dealing with this kind of situation? Is my claim only with Norton as HFC say or does this stay with them. Any advice would be appreciated.

Black Horse - PPI Claim 'WON'

Black Horse - Further PPI Claim 'WON'

Halifax Credit Card - PPI Claim 'WON'

Barclaycard - PPI Claim 'WON'

Halifax Loan - PPI Claim 'WON'

HFC/EPF - PPI Claim 'WON'

Link to post
Share on other sites

  • 3 weeks later...

Received another letter today from EPF stating "Norton Insurance Services was the broker for your loan, who sold you the loan and the insurance policy. Any queries relating to the insurance policy should be put forward to them, which they will act upon" Last week I also got a letter from HFC which included a questionnaire. I completed this and returned it to them. It appears that HFC are looking at my claim but EPF are not even though they are the same company. A case of one hand not knowing what the other is doing, unless its a tactic to fob me off. Nonetheless I will continue my plight aimed at HFC.

Black Horse - PPI Claim 'WON'

Black Horse - Further PPI Claim 'WON'

Halifax Credit Card - PPI Claim 'WON'

Barclaycard - PPI Claim 'WON'

Halifax Loan - PPI Claim 'WON'

HFC/EPF - PPI Claim 'WON'

Link to post
Share on other sites

  • 5 weeks later...

Just received a letter from EPF offering an amount of £1500 which they say includes 8% interest. I was going to send the letter off until I looked at the break down. My initial Policy had a PPI of £1550 added to a £10,000 loan. I paid this loan off with a further consolidation loan after 16 months. The figures which EPF sent me are - 16 monthly premiums total £532.16, Balancing from premium refund for early settlement £572.56 plus Interest at 8% £395.95 total = £1,500.67. They appear not to have taken into account the 10.9% interest on the account. Does this look right because when i put the data into a compound interest calculator I am some £400 down on what they should be offering. Any help is warmly welcomed, thanks

Black Horse - PPI Claim 'WON'

Black Horse - Further PPI Claim 'WON'

Halifax Credit Card - PPI Claim 'WON'

Barclaycard - PPI Claim 'WON'

Halifax Loan - PPI Claim 'WON'

HFC/EPF - PPI Claim 'WON'

Link to post
Share on other sites

Hi Firstship, thanks for the reply

 

I have already drafted a letter refusing the offer on the grounds that it did not match what I had paid in PPI premiums nor did it include contractual interest which was added daily. I've given them 14 days for a reply so we will see what happens.

Black Horse - PPI Claim 'WON'

Black Horse - Further PPI Claim 'WON'

Halifax Credit Card - PPI Claim 'WON'

Barclaycard - PPI Claim 'WON'

Halifax Loan - PPI Claim 'WON'

HFC/EPF - PPI Claim 'WON'

Link to post
Share on other sites

  • 4 months later...

Update - currently with FOS so I am now awaiting their reply. Sent all documentation off as per the time line of my complaint with copies of every letter and there final response. Just a waiting game now. Good luck to all in the same position, the main thing is keep pressing ahead!

Black Horse - PPI Claim 'WON'

Black Horse - Further PPI Claim 'WON'

Halifax Credit Card - PPI Claim 'WON'

Barclaycard - PPI Claim 'WON'

Halifax Loan - PPI Claim 'WON'

HFC/EPF - PPI Claim 'WON'

Link to post
Share on other sites

  • 1 month later...

I received a phone call yesterday from an adjudicator at FOS. He said that they would send me a letter with an agreed deal from EPF(HFC so will wait to see what this offer is. He did say that it near enough what I had been offered previously 8%. I'll let you know the outcome.

Black Horse - PPI Claim 'WON'

Black Horse - Further PPI Claim 'WON'

Halifax Credit Card - PPI Claim 'WON'

Barclaycard - PPI Claim 'WON'

Halifax Loan - PPI Claim 'WON'

HFC/EPF - PPI Claim 'WON'

Link to post
Share on other sites

  • 1 month later...

Claim now won, took some time but got there in the end. Didn't end up getting any more than my initial offer, FOS said that was what they would award so decided to accept.

Black Horse - PPI Claim 'WON'

Black Horse - Further PPI Claim 'WON'

Halifax Credit Card - PPI Claim 'WON'

Barclaycard - PPI Claim 'WON'

Halifax Loan - PPI Claim 'WON'

HFC/EPF - PPI Claim 'WON'

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...