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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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Hi there,

 

Having just succesfully reclaimed credit card PPI for my dad who is self employed his business partner has asked if I will try and reclaim PPI for him. He says that he has PPI on his Halifax mortgage statements and has paid a total of £8K in PPI over the life of his mortgage?

 

Is the process for reclaiming mortgage PPI the same?? What questions should I be asking him and is the fact that he is self employed grounds for mis-sale?

 

Many Thanks

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  • 4 weeks later...

Hi,

 

My Dads business partner has now given me the statements for his mortgage and Im really unsure whats what.

 

The statements read

 

Monthly Mortgage payment of £361.60

Monthly Insurance Instalment of £43.52

Monthly contents insurance premium of £31.79

Mortgage repayments insurance of £27.39

 

Is the 'mortgage repayment insurance' £27.39 the PPI??...what may the 'monthly insurance' be?

 

There appears to be two seperate loan reference numbers one at a fixed rate and the other standard variable rate.

 

Under the repayments type it states

 

This is a combination repayment and interest-only mortgage.

 

This mortgage includes £65K borrowed on interest-only terms. Your mortgage payments do not include the costs of any savings plan on other investment you may have arranged to build up a lump sum or to repay this amount. It is important to check regularly that your savings plan or other investment is on track to repay the interest-only part of your mortgage at the end of the term.

 

We charge you interest on your mortgage using our Daily Interest method.

 

You must keep payments up to date for any plans you use to support this loan. The details we hold are as follows;

 

Investment plan Amount

ISAs £38,500.00

Endowments £26,500.00

 

Im really unsure about this one as I dont understand it. Also he has not sent me all of the statements. Should I SAR the lender to get them all? Its a 25 year mortgage with 5 years left.

 

The other thing is my Dads business partner is self employed but when the mortgage was taken out 20 years ago, he was not. He only became SE around 16 years ago so Im unsure what approach to take?

 

Any advice would be much appreciated, Thanks

 

Claire

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Ideally you need all of the original paperwork including the loan agreement.

 

If this is not available then SAR might get it for you. Make sure you specifically ask for it in the SAR letter.

 

What are the reasons you have for the mis-sale?

 

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Hi Ims thanks for this. He genuinly didnt know he was paying PPI and what its purpose is, I thought the mis-sale would be on the grounds that he was SE at the time also but now it seems that he wasnt.

 

Do you know what the monthly insurance may have been? Am I correct that the repayments insurance is the PPI? Thanks

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