Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

Citi Financial and PPI


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3900 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just wondering how I would go about making a claim regarding the PPI on a loan I took with the above.

 

We took out a loan probably 7 years ago (we're on a repayment plan at the minute so no SB) and there is PPI on the loan. We needed the loan as we were quite desperate as we needed some things in preparation for our 1st child.

 

The reason I'm not sure on how to go about it is because it was sold to us when the woman doing the loan told us that it would increase our chances of getting the loan as the providers would know we have it in place if we ran into trouble. As we needed the loan we agreed to it. How do we prove this?

 

Just to give you an idea of the people that worked at the branch, when I ran into trouble the same woman would ring me quite a lot trying to make me take on a loan with someone else to pay the debt off and the branch manager made an unannounced visit to my address whilst I had visitors and spoke quite loudly so that the others would hear my details. He was quite intimidating to be honest.

 

Sorry if there are similar threads, I did try to search, but I don't use this section often as this is the only loan I am 100% certain they have mis-sold the PPI on.

 

Thanks, Lee.

Link to post
Share on other sites

  • 2 weeks later...
  • 10 months later...

Had a letter back today from the FOS regarding a different claim against HSBC. Basically it came down to our word against theirs. And because the advisor didn't write down our concerns regarding the PPI they went with HSBC. So it seems chasing this one would be a waste of time because I doubt that they would have wrote down that they told me that having PPI would increase my chances of getting the loan.

Link to post
Share on other sites

The decision was probably made by an adjudicator.

 

You can always request that this is reviewed by an ombudsman and stress the point that it is not your problem that the advisor did not make notes. Make it plain that you were told that taking PPI increased your chances of a loan and because of your circumstances and needing the money you felt you had to take it.

 

You can tell fos that you felt that the bank and advisor took advantage of you knowing your position.

 

Don't give up just yet :-)

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...