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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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New Year must sort this


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Im another Swiftly sinking person.

 

In 2002 following the death of my husband and the realisation that I needed to find 20k, I took out a loan.

 

I received no statements until 2 years ago.

 

You can gusess the rest. I paid over 20k, still owe 24k. So I asked for a redemtion figure, that was 48k and was then told that at the end of my 240 month term I would have another 10 years to pay what I owe. Some 96k for a 20k loan.

 

I also had PPI from Dial 4 a loan, what can I do about that. I did not need it as I was salaried and get sick pay.

 

It seems that they want my house which I now own and will take it when I retire, my son and I would have been better off homeless 10 years ago.

 

I started the process and wrote to them but they gave me a £446.00 refund because they said I was in arrears and I proved it never happened. With regard to everything else I asked they ingored the letter.

 

Is anyone in a legal capacity doing or investigating this company. What can I now do before im retired and in a situation?

 

Ive read lots of posts and Im glad to be not alone, but Im still bloddy scared.

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Im another Swiftly sinking person.

 

In 2002 following the death of my husband and the realisation that I needed to find 20k, I took out a loan.

 

I received no statements until 2 years ago.

 

You can gusess the rest. I paid over 20k, still owe 24k. So I asked for a redemtion figure, that was 48k and was then told that at the end of my 240 month term I would have another 10 years to pay what I owe. Some 96k for a 20k loan.

 

I also had PPI from Dial 4 a loan, what can I do about that. I did not need it as I was salaried and get sick pay.

 

 

It seems that they want my house which I now own and will take it when I retire, my son and I would have been better off homeless 10 years ago.

 

I started the process and wrote to them but they gave me a £446.00 refund because they said I was in arrears and I proved it never happened. With regard to everything else I asked they ingored the letter.

 

Is anyone in a legal capacity doing or investigating this company. What can I now do before im retired and in a situation?

 

Ive read lots of posts and Im glad to be not alone, but Im still bloddy scared.

 

Hi Glen hold on in there Swift are in for big trouble.....read through Swift Loan recharges claim.....long read but worth it. The FSA and the OFT are onto Swift now here is the link

 

http://www.mortgagestrategy.co.uk/distribution/swift-investigated-by-fsa-over-arrears-handling/1023883.article They are expecting a heavy fine.

 

Here is a link also to help with your PPI

 

http://oft.gov.uk/shared_oft/business_leaflets/consumer_credit/unfair-relationships/yates-lorenzelli-nemo.pdf

 

LL

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Thank you. Have read the link with interest. What will happen if they are fined, can these sort of companies go bust, if so what happens to people like me who have a loan, more worrying, what happens if they dont.

Thank you so much for replying to me. It means a lot to have a light at the end of what has been a long tunnel. I started corresponding with Swift 1 year ago and have been stone walled at every turn.

 

gml

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Hi gml,

 

Sorry to hear of your predicament with Swift. The PPI you have is almost certainly reclaimable, as it was more than likely mis-sold. You would need to write to your broker regarding this as they are the ones responsible for that aspect. It won't be an easy ride, especially as there is currently a Judicial Review being brought by the banks in response to FSA regulations regarding the way PPI complaints are investigated. Whilst this is in progress, most companies are using it as an excuse to put PPI complaints on hold although FSA and FOS statements say they should be carrying on investigating these complaints as normal. I too had a Swift loan and (pre Judicial Review) managed to successfully reclaim seceral thousand pounds of mis-sold PPI from my broker - not Dial 4 a Loan - although this involved a prolonged battle and assistance from the FOS. In the first instance I would advise sending Data Subject Acccess Requests to both Swift and your broker to gather all the information you can regarding your loan.

 

Good Luck and keep us posted how you get on.

 

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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Welcome to the form glenis......... this is the best possible place for support and help and pointers in which direction to go..........I have been given some terrific pointers and like you am embarking on the taking firmer action after no responseot letter......

 

Can I ask with the SAR mshould there have been details of the broker in it? because there are none, there are also no details of the solicitor either.

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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  • 4 weeks later...

Hi jacqui o

I have recentlu found out that it is Dial 4 a Loan and have also got an address via the ombudsman so am going down the route, a long one I believe. My concern is that I am getting nowhere paying this, 24k paid 20k borrowed 10 years to go and then they say they will add on 10 years but will not say why. Cannot work out the interest nor can a financial advisor who looked at it, they also want 48k to pay the loan early. I will be a pensioner and am sure they are just waiting to snaffle my home. There are no solicitors details involved on the paperwork.

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Just a thought and I wondered if you could answer my musings. It seems from what I have read that Swift are stashing away money to counter claims they may have against them. If they went bust, by some miracle, theyve probably ripped too many people off for that to happen, but if it did what would happen to the loans such as mine? Would some other cowboy company take them on.

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Just a thought and I wondered if you could answer my musings. It seems from what I have read that Swift are stashing away money to counter claims they may have against them. If they went bust, by some miracle, theyve probably ripped too many people off for that to happen, but if it did what would happen to the loans such as mine? Would some other cowboy company take them on.

 

Hi GML,

 

'Would some other cowboy company take them on'.

 

YES!!!!!

PROBABLY.....:-(

 

Apollo18

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  • 11 months later...

Hi lester lass, long time no speak. Just to let you know that I am waiting for a court date re PPI. Gone against both Swift and Dial 4 a loan. Any monies gained will go to a Big Ass banana to sort out the other issues. Thats right Swift, I will see you in court. Will let you know how it goes. Sorry to post at the end of this last reply, not too good at the site im afraid.

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Hi Glen

 

Court paperwork was issued against Swift by myself with regards PPI...

 

Have you been asked to supply a court bundle? did you attach any draft directions at all?

 

I am awaiting their response ot my court action, but guessed it owudl go to court, they wotn settle before hand.

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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Hi

good friend working in legal profession dealing with this, everything gone in and case fast tracked, waiting for date.

 

Looking to remove his teeth while foot up his ass.:mad2: Been a long time coming.

 

How do I change my username. Im so out there and I know they read these logs. Hopeless finding my way round the website. Dont want to spoil their surprise.

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Sorry Glen I am really confused here, everything gone in?????? Sorry to be thick , but initially all you submit is the application form... N1 depending on the amount the appropriate fee, , reading my notice of service am a little confused, there were 2 steps from issue where judgment could have been asked for. the info on that is really quite good, I am not a legal professional and can understand it and follow it with out much trouble, which is why i am kind of confused......lol....

 

Am not sure what you mean about "How do I change my username. Im so out there and I know they read these logs. Hopeless finding my way round the owebsite. Dnt want to spoil their surprise.[/color] What do you mean by so out there??????? totally confused? you have onyl 14 posts?????? as for the surprise, if you are just waiting a court date then it is no longer a surprise??? they have been served with he court paperwork!!!

 

So long as you do not put any personal details on the posting you make how are they going to know if they are reading the boards who is who? there are people with hundreds and thousands of posts who have not been ID by any of the companies reading these boards/forums ...

 

This is one of the great things about sites liek this, it gives people the information and ability to take on companies who have adn are behaving badly, this is doen by sharing information and helping each other and others, no one has ot give out any personal information, but generals and things a lot can be found online by doign searches............

 

if the info is really sensitive or that, there is always the private message function, but would suggests the usual precautions when online.......

 

hope you get your court date soon...

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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