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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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Reclaim PPI from GE Money[ loans.co.uk] ****WON Loans.co.uk coughed*****


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Thank you for your letter dated 21 June 2012, offering me a full refund of the PPIlink3.gif

I am now happy to accept the settlement as indicated on this form.

i am not aware of any guidelines/rules that allow you to dictate Confidientiality

so i have crossed this out as i believe in free speech.

 

Ok thanks, dx. I shall include a letter along those lines, and get it all sent off today.

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I scribbled through a statement I didnt like when reclaiming Hubby's
HSBC
link3.gif
PPI
link3.gif
. They wanted him to sign away rights to make any more claims.. he had 4 other PPI claims to make !!

 

Having sent the first acceptance form back (with the amendment). It was then returned to Hubby with the clause reinstated.

 

So a complaint was made to the Financial Ombudsman who awarded compensation of £300.00.

 

 

 

 

  • Confused 1

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I scribbled through a statement I didnt like when reclaiming Hubby's
HSBC
link3.gif
PPI
link3.gif
. They wanted him to sign away rights to make any more claims.. he had 4 other PPI claims to make !!

 

Having sent the first acceptance form back (with the amendment). It was then returned to Hubby with the clause reinstated.

 

So a complaint was made to the Financial Ombudsman who awarded compensation of £300.00.

 

 

 

Thank you for your input, citizenB. Crossing out the confidentiality clause does not quite equate to scribbling away rights to any more claims against the lender, but I shall still so do. Although I agree with dx100 that we should 'believe in free speech', I think I prefer not not to put such a cliche in my actual letter to them, and put instead that I believe in things being 'out in the open'. What do you, or ims21, think? PCB

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What ever you feel comfortable with. There is no statement on either the FOS or FSA sites that provides a situation whereby the bank can insist on a confidentiality clause for the repayment of mis sold PPI.

 

:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

Hi Poor Credit Borrower can you give me an idea what your IG Group forms looked like. Did you have a seperate application form from IG for Your PPi. Just asking as I am getting prepared for a fight. With GE and the Broker is no longer trading

:-)

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  • 4 weeks later...

Hi Anney, I am very sorry for the long delay in replying to you. I had just returned home from being away that day! I have forgotten what the I-Group forms look like, but there was definitely no separate application form for the PPI - on the main schedule it just said something like £9136 paid to Westing... (or some name like that) Administration Services, and even they may have gone into liquidation now. Yeah, the broker Loans.co.uk appear to be no longer trading, but they are being dealt with by 'administrators'. You can still write to them at Chester Business Park, Wrexham Road, Chester CH4 9FB.

 

I have got a settlement, so have WON!! It has been £14,870 to the nearest pound, including the 8%. Helps my finances a bit now! :-)

So do get in there and fight, anney63!! It will pay off if you persist :-)

 

I shall now make a small donation to CAG, which I'm not disclosing on open forum, but the site team will probably have visibility of how much I'm donating.

 

pcb

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Hi PCB

 

I'll ask someone to check that it has been received for you.

 

Do I take it that we can update your thread title to reflect your win now?

 

If so, many congratulations...GE are a tough nut to crack so doubly well done :whoo:

 

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I shall now make a small donationlink3.gif to CAGlink31.gif, which I'm not disclosing on open forum, but the site team will probably have visibility of how much I'm donating.

 

 

No -donation details remain undisclosed aside to Admin.

Please bear with us while the check is made.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi PCB

 

I'll ask someone to check that it has been received for you.

 

Do I take it that we can update your thread title to reflect your win now?

 

If so, many congratulations...GE are a tough nut to crack so doubly well done :whoo:

 

Yes, you can update the thread title to reflect my win now!

 

You and dx100 (and some occasional advice from others) played a good part in assisting me in my successful claim - without the need for any claims management company!!

 

I hope this will not provide encouragement for other CAGgers claim missold PPI, for example, from GE ! :-)

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hey wel done

 

so the actual outcome was the administrators of loans.co.uk coughed.

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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so loans.co.uk administrators coughed?

 

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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Yes thanks all donations are regarded as generous because we know many of our members are here because they have a struggle.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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This is excellent news - well done for staying with it.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:lol:Congratulations. You have given me a reall boost. I have been looking into Easy Loans & Sterling Direct whO I believe are one and the same. They were the brokers used by my friend. They were part of the London Scottish Bank PLC who are in administration and looking at their website they are looking at PPI Claims. So once GE send their final response I will take it from there.

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Well looks like I have to go to London Scottish. Don't know if their administrators will look on things as kindly as Loans.co.uk did, but hopefully they will work with GE to get sorted. Otherwise I think it will be the end of the road as this was pre 2005 so no FSCS applies. Here's keeping my fingers crossed. !!!

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  • 2 weeks later...

Great news on your win.

 

I am awaiting a cheque back very soon from loans.co.uk. Last cpnversation i had last week with them was it was in quality check departement to ensure figures were correct before sending me a final offer payment.

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Hi ...If Santander are currently the owners of PPI...but the PPI was taken out way back around 1997/8 who is it that the request should actually be addressed to...

 

..by the way...this was originally a Debenhams Store Card owned by GE Capital One....so who would be the correct organisation to write to

 

Thanks

Edited by means2anend
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