Jump to content


  • Tweets

  • Posts

  • 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
      • 162 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

halifax ppi


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4633 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 guys, have been reading around a lot, but would just like to clarify.

I am asking on behalf of a cousin of mine.

this is a halifax personal loan

loan amount is 4k

insurance loan 856

original amount of credit is 4,856:98

 

I have the original paperwork and the ppi clearly has interest shown, as the total amount for the insurance loan is 1,258,

as well as the loan being condintional on taking the ppi.

 

If i have been reading right, My cousin has a claim here for the ppi for being charged interest on it, as well as having to take it out to even get a loan?

 

I will add that the loan is being fully serviced and will continue to be, would just be handy if it could be reduced or wiped out, as, like many people, things are getting a tad difficult.

question everything!

Link to post
Share on other sites

Hi izzi

 

First you need to establish if the PPI was Mis-sold from what you say, it was.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

You need to get details of all the PPI payments. Use a speadsheet to establish the refund amount for PPI + Interest.

There is a Single PPI Spreadsheet on this site.

 

Then forward a claim to the company.

 

Number 2 and 3 in my signature.

 

Remember if they decline it lodge a Complaint with the FOS.

Link to post
Share on other sites

Hi

I phoned Halifax today regarding past secured/unsecured loans and a mortgage I had with them . I discovered that I had 4 secured and 2 unsecured loans and my mortgage had ppi . They said I could make a claim and that they would send a letter in the next 5 days with all account details for each loan including the ppi . Do I need to get in touch with a solicitor or can I carry on dealing with Halifax directly ?

Link to post
Share on other sites

Hi

I phoned Halifax today regarding past secured/unsecured loans and a mortgage I had with them . I discovered that I had 4 secured and 2 unsecured loans and my mortgage had ppi . They said I could make a claim and that they would send a letter in the next 5 days with all account details for each loan including the ppi . Do I need to get in touch with a solicitor or can I carry on dealing with Halifax directly ?

 

Hi

 

You can easily deal with this yourself...no need to pay anyone to do it.

 

Start your own thread in the PPI forum and you'll get all the help you need.

 

ims

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...