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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
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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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Loanguard PPI Refund


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I am looking for genuine advice , been on this great site a lot , loads of interesting reading , and its time for the working class to fight back against the toffee bankers !!!

 

This is my first post so here goes ... i had a loan with Rbs 2004-2009 for £10k , complete with loanguard insurance ,which i believe was mis-sold cos i didn't know you could buy stand alone insurance,or that it was added at time of loan before the interest was added.i cancelled the insurance after 23 months and got my repayments for the remainder of the 60 month loan reduced .i have since written to COMPLAIN to RBS 8 weeks ago and been allocated a case manager to reclaim ALL the loanguard (PPI) back cos it was mis-sold.they said they're taking it serious and would hope to have it resolved in 8 weeks, now expired,with an update after 4 weeks.well like i said the 8 weeks have passed and i had no correspondance after the 4 week stage.

i should also point out that the PPI i did pay was front loaded using rule 78 so i paid a lot of PPI in those first 23 months.

i did metion in my complaint letter to them i would report them to the Financial ,Ombudsman .

 

Where do i go from here ?

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  • 2 weeks later...
  • 4 weeks later...
need to kick myself to fill in form , still no word back from RBS .

 

will fill in form over weekend .

 

note to self ... post recorded delivery

 

well it's now 31/10/10 and I've still not posted form to FOS , just laziness , but got offer of goodwill for over £ 2,000 from RBS yesterday . it says as gesture of goodwill they'll refund my payments plus interest .I'm not so sure the interest is in the figure.I'm so tempted to take the offer but it's Full + Final ,I don't want to be too hasty .

 

I could do with some advice from a moderator . I can provide all the figures as I still have the original agreement if someone can work out what i should be due back .

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Don't know if it makes a difference but from the aforementioned loan , I paid £ 5,000 back to a credit card that i used to have insurance with , since cancelled that insurance ,and now thinking of claiming the insurance back on that credit card too , if that's possible even though I now have an arrangement with them and paying no interest .

 

Again i woul like a moderator's view on this please

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main loan £ 10,000

insurance laon = £ 2,588

total credit = £ 12,588

 

total charge for credit £ 2,535.60

comprising

(i) interest £ 2,360.60

(ii)Admin fee £ 175.00

 

so 60 x £ 252.06 repayments

i.e main loan £ 200.24

insurance loan repayment £ 51.82

 

 

however i cancelled PPI after payment 23 and they told me to then pay the remainder (37 mths )

at £ 226 per mth

 

 

I would be gtateful if someone could work out what i should get back cos i don't trust RBS's figures.

 

I'm pretty sure the loan was at 7 %

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DJ . ..first payment I'm sure was January 2005 and paymeny no.60 was definetly December 2009 ,

 

still looking for a genius to work out a true figure of what i should get back

 

cos I'm not sure about what interest to charge them i.e. compound or the other one

 

DJ .. should i SAR them over the credit card

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I've now had a long hard think about my offer from RBS and I am goint to accept it . Simply down to financial pressures i.e. BNPL stupid schemes from last year are due in November + December.I've only just realised that they are structured differently so the money will come in handy to avoid the interest of over £ 300 not counting the bills.

So I'm going to post my form back to them tomorrow and wait for my cheque.

 

Look on the bright side ......... It is indeed another PPI success story :-)

 

Still got a question on my mind though , should I send RBS their PPI questionaire back and post my form back to FOS ? Is there any point now ?

 

Or send it back to FOS out of courtesy !

Edited by moneybackpleasenow
Un sure of right course to take
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