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
      • 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
        • Like

Help with Claim to SPML


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4172 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

Hi, we would like to move and go with another lender (if it's possible for us).

I had heard from a couple of brokers that SPML has allowed people to redeem their mortgages at a discount. We wrote to Ascenden and asked about this but had a negative reply. Is there a way we can speak to SPML direct, do they still have an office anywhere? It is unfair to offer a discount to some and not others surely?

Link to post
Share on other sites

  • 4 months later...
  • 1 month later...

May I ask if you have received any reply from SPML yet? What address did you send it to?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

The DSAR time scale is 40 days from the

date the company receive the request.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thanks Brig

 

Shelley - sent the request to:

 

Data Controller

Southern Pacific Mortgages Ltd

St Johns Place

Easton Street

High Wycombe

HP11 1NL

 

About another ten days to go for the 40 days to be up.

Link to post
Share on other sites

  • 3 months later...

Hi All

I have the SAR from Ascenden and the PPI was paid as single premium over £4000 when we took out the mortgage about 8 years ago.

I have filled out a PPI calculation sheet before but that was for monthly payments. How do I go about claiming for a single premium? Do I just send them a simple letter? (we still have our mortgage with them)

Many thanks

Pru

Link to post
Share on other sites

Hi All

I have the SAR from Ascenden and the PPI was paid as single premium over £4000 when we took out the mortgage about 8 years ago.

I have filled out a PPI calculation sheet before but that was for monthly payments. How do I go about claiming for a single premium? Do I just send them a simple letter? (we still have our mortgage with them)

Many thanks

Pru

 

Hi Pru

 

Have a read of No.1 in my signature...all the information and spreadsheets you will need are there

 

Link to post
Share on other sites

Hi IMS, thanks for the links, it was very helpful.. I worked out the interest which came out as 4.48%. I could only see the spreadsheet for the 8% statutory interest on there so I used the spreadsheet CIS v101.xls and put in every payment since the start of the mortgage. Is this correct?

Also, should the Start Date be the Completion Date or the date of the first payment?

I understand I should send this spreadsheet off with a completed questionnaire.

Many thanks, Pru

Link to post
Share on other sites

Make sure you have calculated the PPI percentage correctly.

 

PPI Loan / Total Loan x 100 (where total loan is cash loan + PPI loan)

 

Apply that percentage to your monthly repayment to find out the amount of PPI to enter into the spreadsheet for each repayment made.

 

This is the spreadsheet you should be using for a regulatory award

 

StatIntSheet v101.xls

 

Link to post
Share on other sites

Thanks IMS, have completed the spreadsheet but there's one thing I don't understand unless I'm missing something glaringly obvious (which is quite likely!). I have entered all the repayments made so far and applied the percentage I worked out to calculate the portion for PPI. But that doesn't give us back the full PPI premium - what about the PPI element in future payments?

Link to post
Share on other sites

  • 3 weeks later...

We have heard from SPML - to say they have forwarded our complaint on to MD Nationwide. Is that normal? And does anyone have any experience in dealing with MD Nationwide? How long shall I give them to reply? Many thanks, Pru

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...