Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • 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
      • 160 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
  • Recommended Topics

burlyb and Capital One


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4247 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

I am in dispute with the twonks too ...they said I didnt apply for the ppi and my statement copies they sent back show TWO lots of interest so I will write my third letter to them to find out why there are the two lots of interest per statement...they would be about the same amounts as ppi's would be so i'll give them one more chance to fess up or else I will mail my findings to SFO ...thats serious fraud office friends ....oh yes serious fraud office....same will be done to creation financial swervices if the FOS dont do thier job on them propely.......:mad2:

Link to post
Share on other sites

they are seriously taking the P they are very secretive about what is for what on thier stements...makes me really wonder now if the originals have been tampered with

Link to post
Share on other sites

ppi will not be listed as interest

 

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

  • 4 weeks later...

Hey Burlyb, I got a private message from you but could not reply so I found this thread to reply to.... hope this can be of use to yourself and maybe others....

think you were enquiring about creation financial services PPI.... here was my attempted reply;

 

 

Hey mate, it's been ages since I worked there and I have no idea if the course of action suggested to you is of any value or not.

 

The best advice I can give is that they need to prove in writing that you requested ppi in the first place so if you request a copy of your initial application that might be one line of enquiry open to you?? I can't remember what the process is called but apparently in the U.K. you have the right to request the entire record of your account (for a fee) which I would assume includes the original application.

 

You may be extra lucky as Creation actually have a gap in their files at a certain point which means they're screwed if they come up against clients that were signed up in that period of time :)

 

*** If you originally applied for a store card or applied for a credit card in store then be warned that the storeperson who actually signed you up may have ticked the PPI box "by default" and in this case you would actually have signed and agreed to this item.... it may seem unfair but that's the whole point of reading what you are signing for. - although you're likely to be peeved off if you fall into this category you may be better off giving up there as basically they have the proof they need (unless you kept the carbon copy of your original application and it shows otherwise)

 

not sure if this is of any help to you but good luck

Link to post
Share on other sites

Oh, and I quickly saw on this thread a mention of "three types of interest". in most cases one would be cash interest, another would be purchase interest and another would be *special* interest such as low interest on balance transfers or maybe a promotional interest rate for certain purchases.

Link to post
Share on other sites

Could it possibly be that the two lots of interest are for different rates ?

 

I know some of my Capone statements show the purchase, cash and balance transfer interest rates independantly.

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

  • 3 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...