Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

PPI, RBOS & Loan Statute barred ** TOTAL WIN **

Wheretostart
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4341 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

ims21

ims21

Posted
Posted

Hi

 

OK we seem to think that in a case like this then there isn't a case for setting off....my apologies :oops:

 

In which case you will need to notify them that this refund (when you agree it) must come to you.

 

ims

 

Link to post
Share on other sites
  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

ims21

ims21

Posted
Posted

Legal precedent?....not as far as I know.

 

It could be worth a call to fos for them to clarify the position or there may be something hidden away on their website.

 

ims

 

Link to post
Share on other sites
Wheretostart

Wheretostart

Posted
  • Author
Posted

Phoned FOS and they can not advise

Have therefore picked the smallest offer and sent it back accepting it and see what they do.

I would like to thank everyone for their help while trying to get through this reclaim of PPI and let you know that the total of the 6 offers I have received come to over £20000

Link to post
Share on other sites
Wheretostart

Wheretostart

Posted
  • Author
Posted (edited)

Hi All

 

Can someone have a look at the letter I received for the offer of PPI and let me know whether this is standard wording or is unique to my offer

 

I understand that the Payment Protection Policy on my current loan, if not already

cancelled, has now been cancelled and that all benefits and cover offered by the plan

have ceased.

 

I wish to accept the Bank's total goodwill offer of £ 1,702.41, on the basis that such

an offer is accepted in full and final settlement of all or any claims which I might have

against The Royal Bank of Scotland Group or any subsidiary companies in respect of

my The Royal Bank of Scotland Payment Protection Insurance policies for Loan

Account Number *******

.

If I am subject to alternative fiduciary arrangements such as an IVA or Protected trust

deed, any payment will be made to an existing account I hold with you.

 

Any disbursements due under the terms of the arrangement will then be managed by the

Group's Insolvency Team.

 

i understand that the offer will take into account any arrears on my account.

 

The remaining balance, if any, will then be paid to my The Royal Bank of Scotland current

account, or by cheque if no account remains open.

 

I am aware that it is possible for the account to remain in arrears if the offer is not sufficient to clear the full amount

owing on the account.

 

Signed; Date

 

Signed: . Date

Mr A Weir

 

Daytime contact number

Edited by dx100uk
Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

4 threads merged

 

keep to one thread per reclaim.

 

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
dx100uk

dx100uk

Posted
Posted

looks ok

 

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
ims21

ims21

Posted
Posted
Hi All

 

Can someone have a look at the letter I received for the offer of PPI and let me know whether this is standard wording or is unique to my offer

 

I understand that the Payment Protection Policy on my current loan, if not already

cancelled, has now been cancelled and that all benefits and cover offered by the plan

have ceased.

I wish to accept the Bank's total goodwill offer of £ 1,702.41, on the basis that such

an offer is accepted in full and final settlement of all or any claims which I might have

against The Royal Bank of Scotland Group or any subsidiary companies in respect of

my The Royal Bank of Scotland Payment Protection Insurance policies for Loan

Account Number [EDIT].

If I am subject to alternative fiduciary arrangements such as an IVA or Protected trust

deed, any payment will be made to an existing account I hold with you. Any

disbursements due under the terms of the arrangement will then be managed by the

Group's Insolvency Team.

i understand that the offer will take into account any arrears on my account. The

remaining balance, if any, will then be paid to my The Royal Bank of Scotland current

account, or by cheque if no account remains open. I am aware that it is possible for

the account to remain in arrears if the offer is not sufficient to clear the full amount

owing on the account.

 

Signed; Date

 

Signed: . Date

Mr A Weir

 

Daytime contact number

 

 

This is the same as the letter I tidied for you in post#46 above.

 

It looks pretty much OK if the offer is for the correct amount although we feel that you should dispute the set off as above

 

ims

 

Link to post
Share on other sites
  • 3 weeks later...
Wheretostart

Wheretostart

Posted
  • Author
Posted

Hi All

Am pleased to report that they have settled 4 out of the 6 claims by cheque and have sent a text to say the last 2 will be settled within 7 days

I would like to thank everyone again for their help as it has been invaluable

The total figure is still changing as every claim has been settled higher than the original offers and I am assuming this is because they are still accruing interest daily until they are settled

Link to post
Share on other sites
  • 2 weeks later...
ims21

ims21

Posted
Posted

This is really great news....I bet your well pleased.

 

Congratulations and enjoy your winnings!

 

ims

 

 

EDIT: Thread title changed to reflect the full win :whoo:

 

Link to post
Share on other sites
grantgee

grantgee

Posted
Posted

Awesome win, let's hope i and others are this successfull.....

Regards,

 

Grant

 

 

Paragon Loan 1 - Case started 10/05/12

Paragon Loan 2 / Loans.co.uk - Case started 10/05/12

Paragon Loan 3 -Flexi Loans - Case started 10/05/12 - FSCS said no case as sold before 2005.

Paragon case Thread at: http://www.consumeractiongroup.co.uk/forum/showthread.php?347488-HELP-Please-No-account-Numbers-for-old-loans

HFC Loan - SAR sent 10/05/12 - Response received 30/5/12 saying info on way within 40 days.

Link to post
Share on other sites
citizenB

citizenB

Posted
Posted

Excellent news.. :)

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

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...