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    • Sorry to ask, but I know I had SB template on PC, but can't find it. Also any search for template\SB letter takes me back here.  Any help to get to SB letter would be appreciated. I know I used it on a car HP co that wouldn't honor my FCS refund and after 6 years came threatening ( or rather their DCA). Worked a treat. Thanks in advance
    • Received this letter today after all this time !! Doesn’t sound like just a threat any advice please  Thanks  Photo.pdf
    • Good evening. Hoping to keep this short and concise. Any help really appreciated! Sent originated from council tax in 2019.  I moved address for a new career 240miles away in December 2019 and have lived here ever since.  A distant friend resides at previous address.  A CCJ was filed regarding this debt in January 2020 but no correspondence was received my end or at the old address.  Move forward to this year; early April I learn of a letter received from Bailiff - Notice of Enforcement dated 13/03. Stated I had ten days to settle a payment/payment plan or £75 will be added after ten days from 13/03 and bailiff instructed to visit.  Obviously I was unaware of this letter till well after the time period passed. Attempted to contact Dukes via email but zero response. Asked for breathing space in order to check the original debt with the respective council (I wasn’t awarded a week of Housing despite being on UC for a short period due to a contract date given by the old employer).  29/04 a note was left at the old address stating a bailiff had visited. New balance £310 more than original outstanding.  I’ve since contacted both the council and the bailiff agent to state I’m more than happy to settle the original debt over a payment plan but at this stage they will not remove the fees despite all correspondence not being sent to me and obviously me only seeing them much later than one would have expected.  Tried live chat today with the company and firstly was told the fees will remain because I spoke to the enforcement agent - I have never spoken to him/her.  secondly told the fees would remain because “I tried to use their web chat service to complete an income form” - I have zero recollection of doing this and I also wonder if it’s another tactic? any help on where I stand with the fees added would be incredible. Thank you
    • the evidence you have from Mercedes is perfect. simply write to both the finance company and the dealership that sold you the car, stating under the consumer rights Act 2015 should a fault appear outside of 6mts, it's for the consumer to prove the fault was present at time of sale. Please find enclosed a copy of said report from Mercedes at XXXX stating quite clearly that the windscreen was replaced on Date , some xxx months/years BEFORE my purchase on DATE. there is a bill to pay of XXX to XXX , i expect you to sort this out between yourselves , i am not liable for this. something upon those lines anyway.  
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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 
      • 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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£11.59 so far. Partial Success, but have I made a BIG mistake?


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Caggers: I have a confession to make and need some guidance please.

 

Around a week before Christmas, I read somewhere about miss-selling PPI, so with minimum research, I downloaded the FOS questionnaire, filled it in and shot it off to my Credit Card company (normal post, 36p invested), with absolutely no supporting data. After doing this, I then found this site and after cantering around the threads, realised that I may have been too hasty in firing the questionnaire off and should have followed the process recommended by CAG

 

To cut to the chase, On Saturday I sent off an SAR (£10, plus £1,23 for registered post)

 

A total of £11.59 invested so far

 

In anticipation of hopefully getting around 13 to 15 years of statements, I’ve started building up various spreadsheets from the 10 years of statements that I have retained. “FOSRunning” appears to be the one I should use for claiming from the OC

 

I got an acknowledgement letter about my claim on Saturday, saying 4 weeks to investigate, but maybe up to 8 weeks. Not really concerned by this I thought that the SAR would deliver the results within a timeframe that would allow me to hit them with the real details (assuming of course that the SAR delivered all the statements)

 

I got home from work today to find a letter from them saying

 

Thank you for your complaint regarding the Payment Protection Insurance (PPI) on the above account.

 

Having investigated the complaint, I can inform you that the complaint is being upheld. Accordingly we have calculated the refund as follows

 

PPI Premiums charged since the sale date £3,xxx

The amount of interest associated with the PPI premiums £5,xxx

Total amount of 8% interest £2,xxx

Total amount payable to you £12,xxx

 

A cheque will be sent to you within 28 days

 

Blah, blah about cancellation of the policy

 

This letter acts as our final response in relation to this matter and you now have the right to refer the complaint to the Financial Ombudsman, within 6 months of the date of this letter

 

Note that I’ve left the figures blanked, so that I can ask the questions below

 

As you can appreciate I’m quite pleased about this (where is the smiley for shocked?) but have some questions about which I need guidance

 

Assuming that the OC issues the cheque in the timescales they’ve stated, subject to advice on here, I intend to bank it. However, the SAR will not return the results for another 6 weeks.

 

1) With the data I intend tho run the data through the spreadsheet to determine if they’ve calculated correctly.

 

2) You will see that in the letter, they have not used any words along the lines of “without accepting any liability” which to me means they have admitted liability (implied)

 

Questions:

 

Have I made a mistake in claiming with absolutely no supporting data?

 

Have I just been lucky?

 

Is there anything to be read into a quick response?

 

If I ask for their breakfown, is there a risk of the OC rescinding the offer?

 

I’ve read elsewhere differing stories about the swiftness of OC issuing cheques. Should I just now wait and see what happens? (this is why I’m hesitant to define the figures above)

 

If I think they are light in what they have paid me, what options are open to me? Back to OC for a follow-up claim? Or straight to the FOS?

 

If they’ve implied acceptance of liability, is there any risk of the calculated figure being overturned (by anyone) if I go back for an adjusted figure?

 

I know I should be pleased with this, but I’d just like to know if I’ve future options

 

Thanks

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No explanation of figures - just what I've put above. In 10 years, I've paid around £1k less than their total figure. I can't fathom the interest they've added at all, as i don't know the start point or the interest rate applied.

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Caggers: I have a confession to make and need some guidance please.

 

Around a week before Christmas, I read somewhere about miss-selling PPI, so with minimum research, I downloaded the FOS questionnaire, filled it in and shot it off to my Credit Card company (normal post, 36p invested), with absolutely no supporting data. After doing this, I then found this site and after cantering around the threads, realised that I may have been too hasty in firing the questionnaire off and should have followed the process recommended by CAG

 

To cut to the chase, On Saturday I sent off an SAR (£10, plus £1,23 for registered post)

 

A total of £11.59 invested so far

 

In anticipation of hopefully getting around 13 to 15 years of statements, (I think you'll be lucky to get them that far back TBH) I’ve started building up various spreadsheets from the 10 years of statements that I have retained. “FOSRunning” appears to be the one I should use for claiming from the OC Yes, for fos calculated redress

 

I got an acknowledgement letter about my claim on Saturday, saying 4 weeks to investigate, but maybe up to 8 weeks. Not really concerned by this I thought that the SAR would deliver the results within a timeframe that would allow me to hit them with the real details (assuming of course that the SAR delivered all the statements)

 

I got home from work today to find a letter from them saying

 

Thank you for your complaint regarding the Payment Protection Insurance (PPI) on the above account.

 

Having investigated the complaint, I can inform you that the complaint is being upheld. Accordingly we have calculated the refund as follows

 

PPI Premiums charged since the sale date £3,xxx

The amount of interest associated with the PPI premiums £5,xxx

Total amount of 8% interest £2,xxx

Total amount payable to you £12,xxx

 

A cheque will be sent to you within 28 days

 

Blah, blah about cancellation of the policy

 

This letter acts as our final response in relation to this matter and you now have the right to refer the complaint to the Financial Ombudsman, within 6 months of the date of this letter

 

Note that I’ve left the figures blanked, so that I can ask the questions below

 

As you can appreciate I’m quite pleased about this (where is the smiley for shocked?) but have some questions about which I need guidance smiley for shocked here :jaw:

 

Assuming that the OC issues the cheque in the timescales they’ve stated, subject to advice on here, I intend to bank it. However, the SAR will not return the results for another 6 weeks.

 

1) With the data I intend tho run the data through the spreadsheet to determine if they’ve calculated correctly.

 

2) You will see that in the letter, they have not used any words along the lines of “without accepting any liability” which to me means they have admitted liability (implied) They never will accept liability...this is all goodwill :pound:

 

Questions:

 

Have I made a mistake in claiming with absolutely no supporting data? No although doing a spreadie first is a good idea

 

Have I just been lucky? Its a result...that's what matters

 

Is there anything to be read into a quick response? No

 

If I ask for their breakfown, is there a risk of the OC rescinding the offer? If there is an error they might pop up and say sorry we've done it wrong. There is a case on CAG where that has happened but fos is always pen to you if you think you are being spoofed.

 

I’ve read elsewhere differing stories about the swiftness of OC issuing cheques. Should I just now wait and see what happens? (this is why I’m hesitant to define the figures above) Yes and wait for the SAR

 

If I think they are light in what they have paid me, what options are open to me? Back to OC for a follow-up claim? Or straight to the FOS? One or both

 

If they’ve implied acceptance of liability, is there any risk of the calculated figure being overturned (by anyone) if I go back for an adjusted figure? fos can or a court can. In some cases the claimant can of you can show their figures to be factually incorrect

 

I know I should be pleased with this, but I’d just like to know if I’ve future options

 

Thanks

 

Who is the card company?

 

ims

 

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I'm hesitant to say openly who the OC is. If the cheque was in bank and cleared I'd be happy to.

 

I'll PM you if it's important, but let's just say it's American and heavily promoted 10 to 15 years ago

 

Edited to add: Sorry, I should have thanked you for the comments. I think that you'll understand that right now I feel as though I will be rumbled as a blagger (I think I'm a little in shock....)

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nice :)

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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