Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

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

      BankFodder posted a topic in Vehicle retailers and manufacturers,

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

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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 
        • Thanks
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

PPI Lombard Direct refusal. (Not sure what to do next) Help appreciated;-(

omollmeg
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3882 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

omollmeg

omollmeg

Posted
Posted

Good evening,

Any help with the following would be much appreciated as seem to have hit a brick wall ;-((

 

My partner had/has 10 separate loans for 10 separate vehicles which he didn't realise he was paying PPI on each individual one.

 

We have followed all the correct procedures to reclaim and have received by registered post a big wad of all the agreements all signed by my

partner and basically presenting their findings in which they state

-Lease Purchase Agreements and Terms

-Insurance Premium Agreements

-Demands and Needs Statements

-Keyman Cover Summary documents

saying we have signed to confirm acceptance

 

.......

"as a result of my investigation, I am sorry that I am unable to uphold your complaint. I feel it is clear from the documentary evidence provided were aware that cover was to be applied to the agreement"

 

and goes on further to say about going to the FOS if not satisfied etc etc

 

My partner remembers being told that he would not get the loans unless he took out the agreements and that as soon as everything was agreed they would be removed so he pretty much had his hands tied ;(( but how on earth can I prove it?????

 

Please any suggestions would be more than welcome.

 

Thank-you

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

them speculating their processes were perfect is VERY wrong.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4120422&highlight=ppi+success#post4120422

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
citizenB

citizenB

Posted
Posted

If you disagree with them, you can respond to each point rebutting it. Give them one last chance to reverse their decision. But don't give them too much time as it will eat into the 6 months that you have in which to go to the Ombudsman.

 

If they had implied that you would not obtain the loan without the PPI, then that was not permitted.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
omollmeg

omollmeg

Posted
  • Author
Posted

Thanks guys, kind of thought this but wasn't sure how to go ahead. So in short you say go back to them disputing each point? Before FOS? Do you know if there are any template/correct format letters I should be writing.

 

Thankyou or your help;)

Link to post
Share on other sites
  • 2 weeks later...
  • 2 weeks later...
omollmeg

omollmeg

Posted
  • Author
Posted

Hi again,

 

It has now been 7days past the 14 days I gave Lombard to respond to my letter and still nothing, i thought i'd wait a little longer because of bank holiday etc ;-(

I stated that I would go to the ombudsman if they did not comply so would you advise making a call to them(Lombard) first? to make sure they received

the letter as stupidly I did not send it registered post.

Or just go straight to the ombudsman??

urghhhh ;-))

Thanks all

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

yes

 

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
dx100uk

dx100uk

Posted
Posted

Lombard first

 

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
BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

May I enquire please was the data you received provided as part of a formal Subject Access Request made under the Data Protection Act 1998?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
omollmeg

omollmeg

Posted
  • Author
Posted

HI,

In answer to your question NO it wasn't.

I've also now had email correspondance just to whether or not our letter was received and am awaiting a letter immenently.

Thx

Link to post
Share on other sites
BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
HI,

In answer to your question NO it wasn't.

I've also now had email correspondance just to whether or not our letter was received and am awaiting a letter immenently.

Thx

Ok, I was wondering if because this data was provided without a SAR if it was complete.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
  • 2 weeks later...
  • 1 month later...
omollmeg

omollmeg

Posted
  • Author
Posted

Ok,

Not good news:( Lombard will not uphold our complaint and they are confident that the insurance cover was not mis-represented.

They have said we can refer our complaint to the FLA if we are still unhappy!!

 

They have thoroughly looked into our case and I am shocked they have come to this decision, I realise that we signed for the cover however

the mis-representation was the fact that we were told that we wouldn't get the loan for the amount of vehicles we required without it and

that it would better our chances.....and then it would be removed once all the loans had gone through.

 

Has anyone else had this problem or got this far ??

Advice desperately needed.

Many thx ;-((

Link to post
Share on other sites
  • 2 months later...
omollmeg

omollmeg

Posted
  • Author
Posted

Please help.....

 

I have follwed all the correct procedure and nothing.

 

I went to the FOS as totally mis sold PPI and not only did they send me a letter today which was the wrong letter they have

also said that LOmbard North Central Plc are not under their jurisdiction and there's nothing they can do...............

 

Does anybody have any further advice as I feel totally cheated.After speaking to FOS I did not feel any better as the girl on the phone was

of little help and kept putting me on hold to make sure she had said the right thing ;-((

 

Please help

Many thanks

Link to post
Share on other sites
citizenB

citizenB

Posted
Posted

I thought this was under the jurisdiction of the FLA ?

 

 

I will ask dx to look in on you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

probably pre FOS?

 

so yes try the FLZ.

 

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
dx100uk

dx100uk

Posted
Posted

my typo to fls.

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
dx100uk

dx100uk

Posted
Posted

sri FLA

 

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
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...