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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
        • Like

Help with PPI Claim


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I am finally starting with my PPI claims, starting with Lloyds TSB, its not a huge amount, but every penny counts right.

 

The payments are from as far back as 2001, on my bank statements there are payments to Pinnacle Insurance but I can't remember what this is for, I am sure its for a loan, does anyone recognise what this might be for?

 

On my credit card I was paying Cardholder Protection Plan, the amount that was paid varied according to the balance, so I am not sure how I calculate the interest, can anyone help on this?

 

I have attached my spreadsheet

 

V

LloydsTSB PPI.xls

Egg - WAR!

Natwest - WAR!

First Direct - Got my money back - £ 3249.71

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Hi

 

Cardiff Pinnacle did provide PPI plans on secured loans with a fixed payment per month and which usually ran for the term of the loan. Was your loan with Lloyds for a significant sum as it may be that this was to cover that type of loan.

 

Cardholder Protection Plan with variable amounts according to the balance sounds very much like PPI. There is another version of CPP where a foxed fee is charged each year and covers you in the event of cost or stolen cards.

 

So with the loan, have you got any old documentation on it at all?

 

In respect of the credit card have you got ALL of your statements?

 

ims

 

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The Loan was from LloydsTSB, I recently got all ,my data from them

 

I have all my statements from Lloyds TSB which is where I have got all the dates and amounts from, I also have all my credit card statements.

 

Going through the documents they have not provided my loan agreements from 2001, only the one from 2003 and 2006.

 

My Credit card application in 2000 I have ticked I do not wish to protect my payments, can't see any transcripts that say I asked for it to be added...although just checking and they have only sent me credit card statements from end of 2011.

 

I've had my LloydsTSB account since 1996, surely they should have sent everything since then?

Egg - WAR!

Natwest - WAR!

First Direct - Got my money back - £ 3249.71

:o

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only if they had it

 

they are duty bound to cover 6yrs only

many cover more though

its hit .n. miss

 

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... 

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hmmm...I used to save everything, will hunt through things at my dads this weekend and see what I can dig up

Egg - WAR!

Natwest - WAR!

First Direct - Got my money back - £ 3249.71

:o

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Oh how long winded!

Its taken them ages to send what they have lol.

 

Will see what I have at dads and if I have thrown everything away then will send a failed SAR

Egg - WAR!

Natwest - WAR!

First Direct - Got my money back - £ 3249.71

:o

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