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

Egg PPI Claim


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4377 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 All,

 

I need to pick some of your brains........

 

I got a loan for £12000 in Aug 2003 from Egg with PPI. I paid it with no problems until 2007 when I had employment problems and ceased payments. I then moved to Scotland and didnt hear anything from them. I have recieved letters since 2008 from 3 or 4 different unscrupulous debt collection agencies and have asked each of them for copy credit agreements, which I have never recieved. I only owed £2850 to finish the loan.

My question is......Can I go to Egg and claim the PPI back? If so, how?

 

Thanks for any responses in advance :-)

 

Vtr

Link to post
Share on other sites

you can

but the PPI will prob be used to clear the outstanding debt.

 

if you know how much your going to get

them it might be worth it.

do you have the agreement still?

 

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... 

Link to post
Share on other sites

Hi

 

Do you have the statements for the loan account?

 

PPI is not a blanket 20%. What you will need to do is a bit of maths which I can help you with but you will need either the figures from the agreement or a copy of the agreement. Don't have them noted down anywhere do you?

 

 

Also have a read of No1 in my signature

 

ims

 

Link to post
Share on other sites

  • 6 months later...

Hi All,

 

Im hoping somebody can give me some advice....

 

I had a £12k loan with Egg beginning 27/08/2003.

 

I paid it until Oct 2008 and then went into financial difficulty eventually defaulting.

I now owe £2700.

 

I have been in touch with them for my CCA but they refused saying that the account is no longer open and that they are not seeking to enforce any agreement on the account.

 

My question is...

.I know that the arrears will be repaid first from any PPI refund I may recieve which I am more than happy to do

but with the interest over the years I know I would still get a share of that refund.

 

I know I paid PPI as I have a few documents saying this and letter confirming it from when i took the loan.

 

I have written a PPI complaint and filled in a FOS questionnaire

- Should I send this or SAR them first?

 

Im thinking I could send the complaint and also send a SAR request at the same time,

 

is this correct?

Thanks for any responses :-)

Link to post
Share on other sites

two threads merged

 

please keep to one thread per 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... 

Link to post
Share on other sites

Hi, hope this helps as I was/am in a similar situation but with a result.

 

I took out a £10k loan with Egg several years ago and much the same, ran in to financial difficulty which resulted in the loan being sold (I presume) to a debt collector with still quite a lot of money owed.

 

I had lost all my paperwork from the loan but still decided to go to Egg stating that I was misold PPI. Yesterday, I received a letter from them stating that they owed me £4k and a cheque will be made payable to me in the next 21 days which is great news.

 

However, until I actually see the cheque, I am not convinced that I will get it. And I am very unsure why they specified it would come to me and not the debt collectors.

 

So my advice would be to go for it and see what comes back - I was gobsmacked that I didn't need to do an SAR nor did they ask me for any further info. All I gave them was the date the loan was taken out and how much for . I even told them it was in the hands of a collecting agency !

 

Good luck.

Link to post
Share on other sites

Hi, hope this helps as I was/am in a similar situation but with a result.

 

I took out a £10k loan with Egg several years ago and much the same, ran in to financial difficulty which resulted in the loan being sold (I presume) to a debt collector with still quite a lot of money owed.

 

I had lost all my paperwork from the loan but still decided to go to Egg stating that I was misold PPI. Yesterday, I received a letter from them stating that they owed me £4k and a cheque will be made payable to me in the next 21 days which is great news.

 

However, until I actually see the cheque, I am not convinced that I will get it. And I am very unsure why they specified it would come to me and not the debt collectors.

 

So my advice would be to go for it and see what comes back - I was gobsmacked that I didn't need to do an SAR nor did they ask me for any further info. All I gave them was the date the loan was taken out and how much for . I even told them it was in the hands of a collecting agency !

 

Good luck.

 

Good result....hope you have checked that the amount they are refunding is correct though

 

Link to post
Share on other sites

Good result....hope you have checked that the amount they are refunding is correct though

 

Hi, no not yet for 3 reasons.

 

Firstly, I am almost certain that they will realise that the cheque should go to the debt company and not me although they have specifically stated it will come to me. Secondly, I actually don't know how to calculate it. They have set the breakdown of figures but have also deducted nearly £3k as stated it was from a previous refund which I have never requested. And finally, I am holding tight until I do (or don't) receive the cheque and will then, hopefully with continued great advice from here, approach them direct.

 

Basically, I don't want to rock the boat yet !

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...