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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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Halifax PPI Claim - No interest in Offer


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I made a PPI claim on a Halifax Credit card

 

Using the spreadsheet FOSRunningPPIv101.xls I entered all statements and got totals of:

 

PPI Payments = £2316.02

Compound Interest = 6263.15

8% Simple interest = 1634.30

TOTAL = £10,213.47

 

 

Halifax accepted the claim, but the offer is this:

 

 

PPI Payments = £2316.02

Compound Interest = 0.00

8% Simple interest = 895.60

TOTAL = £3,211.62

 

 

What would cause the compound interest to be zero, is there something I have done wrong?

 

 

I will attached the spreadsheet with personal details removed.

 

FosRunningPPI v101.xls

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With the way the card behaved I can't see why there is no interest being offered.

 

You need to query it with the lender and also ask them to send you a full and detailed breakdown of their calculation

 

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Hi,

 

So I called the number in the offer letter that the letter stated I had to call if I wanted to query the offer, this I did. The number went to an offshore call centre, the person answering was unable to answer any questions and could only take a message to pass on. So I got him to record that I would not accept the offer until I was satisfied regarding the lack of interest refunds and wanted a detailed calculation to be supplied.

 

I followed this up with a letter repeating the same things, send by recorded delivery.

 

Well today I have received a cheque for the amount they offered...lol

 

Should I return the cheque? or keep it as an interim payment :)

 

The offer letter does state that I can still make a FOS complaint anyway, I have drafted a FOS complaint which is ready to send.

 

Thanks

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Hang on to the cheque but don't cash it.

 

Write to the lender and give them 7 days to provide you with the detailed breakdown otherwise you will refer to fos which may cost them £850 for a case fee.

 

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  • 5 weeks later...

I finally got a reply from Halifax, but all it said was:

 

"I am writing to inform you your redress figure was calculated as per FSA guidelines therefore all all premiums and interest have been included in your redress amount and no further monies can be added."

 

No details of how the calculation was arrived at were provided.

 

So I have now sent off my complaint to FOS

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I finally got a reply from Halifax, but all it said was:

 

"I am writing to inform you your redress figure was calculated as per FSA guidelines therefore all all premiums and interest have been included in your redress amount and no further monies can be added."

 

No details of how the calculation was arrived at were provided.

 

So I have now sent off my complaint to FOS

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I have demanded detailed calculations 3 times in writing, it just gets ignored and the only response is that the calculation is within FSA guidelines.

 

I just did a search on the FSA site and found this: http://www.fsa.gov.uk/pubs/policy/ps10_12.pdf Do you know if this is a current document??

 

The details of the Example calculation 6 which is on page 10 of appendix B exactly match the spreadsheet I got from you guys, I'm thinking of printing this off and sending it to the Halifax to see if it prompts them to re-examine my claim.

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