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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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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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PPI in Conjunction with a Mortgage


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ims21,

 

Wondering if you could help, I feel that i am in a similar situation to this one. I originally took out a mortgage with Nationwide in 2008, I used Countrywide Mortgage services advisor to help me find a suitable mortgage, which I was happy with. However, I remember, that the advisor informed me that I would be needing payment protection for the mortgage in order to proceed. We discussed my needs, as I was buying and living alone, working full time for the nhs as a nurse, i explained that upon my death the house could be sold, redundancy wouldn't be a problem as I could do agency work, and i had adequate sickness and absence cover from work, as well as savings, and my mother stating she would help if needed in financial difficulty. As it was necessary to have some kind of protection for the mortgage or it wouldn't be valid, I ended up opting for critical illness cover - decreasing, and income protection cover - level cover. The payments were £37.09 and £24.77, respectively, per month. Now, given the information I provided upon my personal circumstances, I didn't feel necessary to buy into protection cover, however, without it I couldn't purchase the mortgage. I understand that mortgage protection plans are more difficult to claim against, but i strongly feel i was missold the plans. So much so, that I cancelled the plans last year, and have opted to have a life insurance policy which will cover in the event of my death or diadnosis of terminal illness!

 

Please could you advise whether it would be worth looking into reclaiming these costs?

 

Thank you

Gill

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Hi gill and welcome to CAG

 

I've created a new thread of your own for this issue :-)

 

If you feel you have been mis-sold then there is no reason why you shouldn't try to claim it back.

 

This was nothing to do with the lender as it wasn't added to the mortgage account but appears to be separate payments each month to the insurer(s).

 

Who were they and is Countrywide still in business do you know?

 

ims

 

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Thank you, Countrywide were an independent mortgage advisory service that I accessed via an Estate Agents. They helped me to arrange surveys etc for the house. The recall the advisor informing me that I wouldn't be charged anything extra for her to arrange the mortgage for me, and that the mortgage companies paid their arrangement fees, so I presumed that the same would be of the protection insurance - in that countrywide were independant of Friends Provident also. However, on looking into it, I believe that countrywide services and Friends Provident are the same! So yes, I believe they are still up and running!

 

Gill

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  • 5 months later...

Hi Gill.

Just wondering if you managed to get anywhere with your Countrywide issue. We have a same problem, where the products where sold to us and ended up paying 160 £ per month. Could you please let us know. Thanks

 

Jozef

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