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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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I have other threads and have found very good advise here.

 

I have my main current account with Santander after they took over the business of the A&L.

The account dates back to the early to mid 90s and it came with a Flexiplan account attached to it.

 

A standing order goes out every month to the Flexiplan, when the account is in credit it's like a savings account but it also has a credit line of £750, which is totally independent of the overdraft.

 

Every month a small amount (just under £3) gets debited from my current account as 'Flexi Premiumcare'.

This debit has been there as far as I can remember, along with the £30 S/O to Flexiplan and is charged even when the Flexi account is in credit, which has been around 90% of the time.

 

Could this be PPI by any other name?

I think I must relate to the Flexi account and not the O/D as I've only had and O/D for the last 10-12 years, the Flexi was there since I opened the account.

 

Although the amount is small, it has been charged every month for around 17 years!

 

I've read in these forums that there's no time limit to reclaim PPI (if that's what it is).

 

Both my current account and Flexiplan are in credit and, thanks to MBNA taking over the A&L credit cards, I have no defaults with Santander.

Is there any way I could reclaim these 'Premiumcare' charges?

 

If I SARd Santander they'd probably send the usual 6 years statements which is not good as this goes back a lot further.

However, as far as I can remember, these amounts have been largely unchanged over the years (it may have been £2.75 and now £2.90/mth but that's about it!)

& the Flexi credit line has also remained unchanged.

 

How can I be sure it's PPI? if not, what is it?

Is there a way I can find out when I first got the Flexi,

I can't even remember what year I opened the account as it's been so long!

 

 

Also, is there a chance they could cancel my Flexiplan or even the O/D even though I'm in credit and paying in just because I start trying to claim old charges?

 

I also had a personal loan that I took out in 2006 with the A&L,

I rang Santander in August & they said the last payment would be the one in Sept this year so the loan is now paid off.

There was a single monthly payment going out to Santander Loans, otherwise I have no paperwork for the loan,

everything was done very quickly by a financial adviser in a branch in the City,

 

I think all I did was sign if at all! Is there any way to find out if any PPI was applied to this loan?

 

 

Thanks in advance!

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def PPI

 

go get it back!

 

as for the SAR

 

it might well work

 

no harm in trying for £10.

 

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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Hi

I have a similar charge wth ny HSBC account, a monthly premium each month charged to my current account. It is called account protection.

I asked HSBC for a copy of the terms and conditions and my agreement with them. They rang me within a couple of days to say they could not find it and when did I take it out with them. I am still waiting for them to find a copy of the agreement , but I have sent a SAR as well, so await their response. They referred me to their website which lists flexilaon protection under PPI ( no longer sold)

I believe that this has been running since I opened the account some 20+ years ago and that it is only charged when there is a balance on the flexiloan account. The amount does not vary and has not changed since I started this. So it sounds very similar to your payment.

I cant really believe that I have been paying this for 20 years without question.

I have a thread on here for this and will be attempting to claim back within the next few weeks . I will update that thread with any progress and will watch this one with interest.

Good luck

 

WFLOSS

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Its definately PPI.

 

Did you know that A&L were fined £7million by the fsa in october 2008 for blatant mis-selling of ppi?

 

WFLOSS.

account protection is an income protection plan paying you a percentage of your income if you fall ill etc and extends to self employed aswell.

 

Whether this was mis-sold depends on your circumstances

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  • 2 weeks later...

Was getting ready to SAR Santander but have a few questions as things get a bit complicated:

 

 

  1. I thought you had to send SAR for each account but been reading here that's not the case, a single SAR would cover ALL accounts, is that the case? (I have quite a few former A&L accts with Santander, i.e. current, savings, flexi, personal loan, etc.)
  2. I also had an A&L CREDIT CARD which, according to a letter I found, was sold to MBNA in 2002, however, it was branded and run by A&L till 2009 when I got letter from MBNA followed by a new branded card and an interest rate hike to 36%! I defaulted on this card nearly 2 years ago. I SARd and CCAd MBNA; their reply stated they could not locate the CCA and have been quiet for nearly a year. I've never had a Santander credit card and my record with them is squeaky clean :-) (loan fully paid up, accounts in credit) :-D. I was wondering whether a SAR to Santander would uncover any 'dirty secrets' related to the above card??? :confused:

Thanks in advance!

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send it and see!

 

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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Share on other sites

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