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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.  

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      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.

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      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
        • Like

Freedom Finance PPI


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Hi, I am new to this please treat me gently!!

 

I had a ppi arranged for a secured loan via freedom finance. It was active for approx 3 years and the secured loan it was attached to was paid off May 2005, As Freedom Finance is no longer in business (it was taken over in the last 12 mths I think) what are my chances with FSCS?

 

Many thanks:confused:

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very good if you've all the info

 

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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lindav, I tried to get my PPI from Freedom..

.. unfortunately the got me via a "loophole",

my broker was Freedom,

the lender was Endeavour and the PPI part of the loan was via a company called Bespoke finance

 

who... unfortunately for me were based outside the UK so I was unable to claim my PPI on a 10K loan !!!

 

You might be lucky and find your lender etc were UK based, but from my experience Freedom made sure I couldnt have a penny back :( See my thread on it below... http://www.consumeractiongroup.co.uk/forum/showthread.php?200249-Endeavour-Loans-amp-PPI&p=2762871#post2762871 "Good Luck!"

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things have moved on a bit now

 

if it was a regulated CCA

 

then under sec 56 FF ARE your TARGET.

 

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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Share on other sites

things have moved on a bit now

 

if it was a regulated CCA

 

then under sec 56 FF ARE your TARGET.

 

dx

 

So in other words I can re-apply for my PPI? I was that annoyed with them after my initial refusal I contact the FOS who investigated etc... 8 weeks later I got a letter of them saying they could do nothing for me etc...

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  • 5 months later...
very good if you've all the info

 

dx

 

Hello again, I have just been onto FSCS and they have said they cannot help since since the policy was taken out before Jan 2005. They have had my paperwork since August 2012.

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poss fire it off to HFC [endevour?]

 

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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Share on other sites

endevour finance are HFC.

 

type in Endeavour

 

in our search in the grey toolbar up top

 

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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Share on other sites

  • 2 weeks later...

Hi again,

 

Just got my knock back letter from FSCS as my Firstplus/Freedom Finance ppi was taken out before Jan 2005 they cannot help. Should I pursue the might Freedom Finance? I remember seeing threads about CC act section 56 as FP took the payments every month and added the interest.

 

Thanks for taking the time to read this.

 

Linda

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Now is the time to fire off a claim to the FOS. Please provide them with all the relevant information on your claim so far. FOS link is here http://www.financial-ombudsman.org.uk/publications/technical_notes/distress-and-inconvenience.htm.

Better to let them deal with the whole issue there seems to be too many let out clauses to the PPI mis selling scandal and it needs to be sorted, there are too many fish getting off the hook and it needs to be stopped. Make as many waves as you can and please see this for more information.

 

http://www.covermagazine.co.uk/cover/news/2151314/fsa-demands-firms-185-rejected-ppi-complaints

 

http://www.fsa.gov.uk/pages/Library/Communication/PR/2009/129.shtml

 

much more in here.....http://www.consumeractiongroup.co.uk/forum/showthread.php?135060-Mis-sold-PPI-Want-your-money-back-use-these-links-to-help

 

Keep at them.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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its already beento the fos

 

sec 56 might work or try hfc.

 

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... 

Link to post
Share on other sites

OK sorry to jump in without the full information.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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