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    • The contractor had no vat reg # on the invoices and didn't add vat.  My understanding is that once one reaches the threshold in a 12m period one must register. The issue with this vat matter is that the lender did all the works in my name and added the costs to my account.  Within their claim they've been trying to make me liable for all costs.  Ok they didn't add vat so that means less £s added to my account.  But they should have.  I'm disputing the costs - this vat matter just adds fuel to that fire. I followed the link earlier.  There is definite meat for a journalist. It's still a live claim though.
    • Yes I suppose so. It is going to be most unlikely you will need to bring a legal action but you need to be prepared to do so. You need to act quickly on this now. Don't imagine that they are going to be cooperative. You're going to have to show that you are prepared to be assertive about this. I have suggested a letter below. This is the letter that you would send it to both the finance company and also to the dealer along with the evidence that you have. It is the letter which you would also take along to the dealer when you return the vehicle along with copies of the evidence – the original diagnostic and also the MOT fail as well as the V5.   Let us know what you want to do
    • So if the car cost £31k  the cost is 5% for legal action  its mean around £1550 ?
    • I guess, they will understand it - I must of read it at least 6 times (slaps forehead ) and didn't see it until filed. Is that a definite no. I cannot amend it?    The credit report is Very interesting they have it as : CREDIT CARD/STORE CARD most statuses are ? most balances £0   It does not state the original creditor default date 30/03/21 it does not show the last payment date.
    • Okay don't imagine it's going to be easy but it will be made much easier by the fact that you have now got an official MOT test fails to forget. If you threaten legal action – are you prepared to take it? The cost of bringing a legal action would be about 5% of whatever you are claiming if you are claiming more than £10,000 – which you would be. If you win – which is almost 100% certain – then you would recover your costs but of course if you lost then you would lose that money and you would have to pay some part of the defendant's costs.  
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    • 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
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Latest Spreadsheets - PPI Claims and Charges Claims - Dec 2011

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The following four spreadsheets are the latest releases. All have a file name ending in v101.

(Apart from the one that is v102 :lol:)


The spreadsheets work in Excel 2007 format, Excel 2010 and should also work in OpenOffice as well.


This first spreadsheet is the latest version of the statutory interest calculator and is used for Single Premium PPI cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans. It can also be used for S69 redress calculation on any sum, like on a closed/frozen interest PENALTY charges claim.

do not enter anything in the claim to date box..stat int runs until they settle a claim.....


StatIntSheet v101.xls


This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.


CISheet v101.xls


This third spreadsheet is a calculator that will work out a fos based PPI award on a Revolving Credit Account such as a credit card. It will also work out the additional 8% interest awarded where the account moves into credit as a result of the removal of the PPI from the account. Be aware that you will need ALL of the account statements for this spreadsheet to give the correct result.


FosRunningPPI v102.xls


This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Or for a PENALTY charges Reclaim. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.


FosCISheet v101.xls



if yo have not got a copy of Microsoft Office that includes Excel..



Grab yourself a copy of OpenOffice from here




It is free and is a fully functional office suite.


The spreadsheets will work in OpenOffice smile.gif


Latest Spreadsheets - PPI Claims and Charges Claims.pdf



Before Printing the PDF TIP


If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:


Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).


Note: This will save you Ink & Paper


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  • 1 year later...

this sticky is closed for posting

if you have a question

please start a new thread


or see the video below



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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