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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 
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      • 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 and ge money now santander


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Hi I wondered if anyone can help i sent my ppi claim off to ge money and today received a letter saying:

the data protection act prohibits them from retaining personal data for longer than necessary and the only hold records for six years and say the destroyed/deleted my records and they have no records to investigate my claim. Additionally as any policy relating to this account was sold more than 6 years ago any claim would be time barred by the limitation act. Please could anyone give me advice on the matter I have a copy of original agreement.

thanks in advance lou

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They are talking nonsense about the limitation act. Follow the PPI link.

as for their records, well I don't believe it.

When they were Abbey they kept all their records back to 1933 - I know becaise I interviewed someone who worked in their archive dept.

 

You will have to fight very hard to get the data. This is one of the ways these companies act to frustrate legitimate claims

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Great that you have a copy of the original agreement.

 

PPI claims are not time barred.

 

Have you got a record of the payments you made?

 

The DPA doesn't prohibit them from retaining data....that is tosh.

 

What type of loan is this and how did you apply for it/get it?

 

What are your reasons for believing the PI was mis-sold?

 

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Hi

the only records of payment i have got is bank statements with the full monthly payment of the loan I took it out to buy a car, I did'nt no i had ppi until recently when i was sorting all my old paperwork out which wish id know at time as i got reduced hours at work while paying them a few years after taking the loan out and struggled to pay them.

cheers louthetyke

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You'll need this spreadsheet.

 

StatIntSheet v101.xls

 

You need to work out the percentage of the PPI part of the loan to the total loan. Apply that percentage to each monthly payment made up to the date the account was passed over.

 

Was the account sold to Link or are Link collecting on behalf of the original creditor?

 

Go along to the fos website and download a copy of their consumer questionnaire and complete it.

 

When you've done the spreadsheet as above, come back here and we'll move on to the next bit.

 

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Hi thanks for the advice I did this when sending off for ppi in the first place and shall I do it again? It just needs printing off. I think the account was sold to link, So what do i need to do next.

regards lou

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So if you have already sent them a spreadsheet, fos questionnaire and a copy of the agreement you have two choices.

 

1. You challenge GE by sending it in again telling them that FSA/fos regulations state that the claim is not time barred and that you demand they pay you your money back. Remind them that you have provided evidence of the PPI even if they have chosen to destroy theirs so they cannot hide behind the "no data" excuse.

 

2. Pass the case to fos to deal with enclosing copies of all the papers you have sent GE with a formal complaint that GE are nto investigating in accordance with the regulator's guidelines.

 

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