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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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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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Old Halifax Mortgage PPI


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Hi, I'm after a bit of advice.

 

My Dad took out a mortgage through Halifax in 1983 and was told that their PPI product was compulsory in order for him to qualify for the mortgage. The mortgage was paid off around 10 years ago.

 

As you can imagine he took out the cover. We both appreciate that some form of PPI would be sensible when taking out a mortgage, but I believe that it should not have been compulsory, and that he should have been offered the opportunity to shop around for the most suitable cover at the best price.

 

Unfortunately Dad shredded all of his old paperwork a couple of years ago. He has contacted Halifax today and was advised by the PPI department that they need the mortgage number. He was then passed onto the mortgage department who could not find any record of his mortgage details. He has however still got a bank account with Halifax.

 

Does anybody have any experience of similar situations? Is it likely that Halifax would have destroyed his mortgage records even though he is still a current customer? I have suggested that he send a SAR anyway ensuring that it states that he requires all information held against him, not limited to the last six years, and also to include any information relating to mortgages.

 

I'm also interested to know if Halifax were likely to have front loaded the premium in the 80's and if they have a bad reputation for PPI? Or were they offering a pretty honest product? If. so then there is less reason to try to reclaim the premiums

 

I look forward to any feedback and am up for the challenge ahead.

 

Thanks,

 

Dan

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Hi

 

If it was sold as a compulsory item then you have a valid claim for mis-selling.

 

If the loan was paid off more than six years ago then they may have destroyed the data but a SAR is a good place to start.

 

On a mortgage it may not have been front loaded but may instead have been a separate monthly payment.

 

If they have any data then a SAR should reveal what type of PPI it was.

 

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Hi Claire, that's good to know, did you get the information back from Halifax via a SAR, or did your friend have all of the records? If so was the mortgage settled more than six years ago?

 

I'm sure your help is greatly appreciated by your family friend and maybe we can help keep each other motivated :)

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