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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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Egg PPI


Mairi
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Sent my SAR to Egg and received 11 yrs worth of documents, all except my CCA which fortunatley was one of the only things i had kept a hold of. It contains no mention of PPI.

 

To cut a long story short -ish, took out an egg card late 1999, balance was reduced by an egg loan in march 05, then another loan in June 06. So its taken till this year to finally pay off this lot.

 

Sent my FOS questionaire and letter claiming back all the PPI and interest added.

Reason behind mis-selling, insulin dependant diabetic since i was 12 and i was also a part time temporary worker doing less than 16 hrs.

 

I posted my letter last Friday, got an aknowledgement of complaint yesterday and a sod off today. Must be a template fob off for anyone applying for CC online.

 

They say "after carrying out a full review" took me 2 weeks to go through all that paperwork.

 

Our online sales process *Does not require you to take ppi as a condition,

*Does not provide an advisory service,

*Requires you to positively confirm that you wish to purchase this policy

*Provided full terms and conditions of the policy requested.

 

this letter is our final response.

I would not have ticked a box to pay more for credit as i couldn't afford to. And wouldn't have signed a contract with it . It doesn't look like they have read any of my reasons, more like she applied online so don't give her a penny. Called the FOS and they say 9 months to 1 year before they get round to dealing with cases.

Not sure which way to jump now, thought i had a good case and was pencilling in a week away in October. Any advise would be appreciated.

Mairi.

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Thaks for the reply ims.

Have my calculations and just realised i did it wrong, used the monthly interest rate instead of the APR, in the compound interest calculator. Trying to redo but Egg changed their rates so often having difficulty working out the APR. Monthly rate x12 does not give me the correct figure. Sorry just found an interest rate converter that will do it for me.

Mairi

Edited by Mairi

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  • 5 months later...

Have already had a few rejections to my egg ppi claim. Circumstances have meant that i have not followed up my complaint till now. But have now decided to go down the court route rather than the FOS way.

Took out a card with them in 1999 which they automatically added ppi to. Interest rate on CC went up every few months so i was going to use an average to tally up the interest added on that.

In 2006 my card was closed and the balance put into a loan, with an interest rate of around 8%, no ppi on the loan although it would have been full of the ppi charges from the CC.

 

Have been going round in circles for a while now trying to work out how i should proceed. I've done around 6 different spreadsheets and still cannot make up my mind. I'm really not sure on how to (or if i should) change my calculations from the end of the card and beginning of the loan -- to the end of the loan which was only paid off around 8 months ago.

I hope this makes sense, and any advice to point me in the right direction would be greatly appreciated.

mairi

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two threads merged

please keep to one thread for this claim.

 

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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Have already had a few rejections to my egg ppi claim. Circumstances have meant that i have not followed up my complaint till now. But have now decided to go down the court route rather than the FOS way.

Took out a card with them in 1999 which they automatically added ppi to. Interest rate on CC went up every few months so i was going to use an average to tally up the interest added on that.

In 2006 my card was closed and the balance put into a loan, with an interest rate of around 8%, no ppi on the loan although it would have been full of the ppi charges from the CC.

 

Have been going round in circles for a while now trying to work out how i should proceed. I've done around 6 different spreadsheets and still cannot make up my mind. I'm really not sure on how to (or if i should) change my calculations from the end of the card and beginning of the loan -- to the end of the loan which was only paid off around 8 months ago.

I hope this makes sense, and any advice to point me in the right direction would be greatly appreciated.

mairi

 

You need to calculate the amount of PPI and associated interest paid to the card right up to the date the loan took over. This is effectively the amount included in the loan for ppi and its interest i.e. the amount which you were wrongly charged.

 

Work out the percentage of that amount relative to the total loan amount and you can then calculate what interest and ppi you paid through the loan.

 

The FosRunning spreadsheet can help you with the first calculation and the StatInt sheet can help you with the loan bit.

 

ims

 

 

FosRunningPPI v101.xls

StatIntSheet v101.xls

 

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Many thanks for your help ims.

Ok, so i've done the first sheet and worked out that ppi payments and ass interest comes to nearly £2k which then became a £6k loan at 7.9%. do i treat the £2k as a single premium ppi payment added when the loan starts? There were no further ppi payments on the loan. Not too sure about this part.

And thanks again for your assistance.

Mairi

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Many thanks for your help ims.

Ok, so i've done the first sheet and worked out that ppi payments and ass interest comes to nearly £2k which then became a £6k loan at 7.9%. do i treat the £2k as a single premium ppi payment added when the loan starts? There were no further ppi payments on the loan. Not too sure about this part.

And thanks again for your assistance.

Mairi

 

Hi

 

Yes you're nearly there.

 

Just a couple of points to mention. When you work out what ppi and interest was transferred into the loan, only take account of the premiums and the compound interest amounts from the FosRunningPPI Sheet. Do not include the 8% as this is really compensation.

 

Yes, you can treat the amount rolled into the loan as a single premium because we want to work out the 8% interest on the payments made through the loan. However, when you get to working out what is due back on the loan, take only the amount of 8% interest as shown in the Award Calculation box as coming back to you. This is because the premiums on which that 8% is claimed will actually be paid back via the credit card.

 

ims

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  • 2 months later...

Managed to eventually finish my spreadsheet with many thanks to ims, sent off my letter and received a letter from egg this morning. It's just as well i can laugh, ......... "we've already told you to sod off twice now so here is number 3 and we will not respond to you again.". :jaw:. Downloading Small Claim form as we speak.

M

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