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    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
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      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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    • 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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PPI Claim


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Hi

 

I made a claim against Ocean Finance on my PPI through the FOS 2 years ago.

 

Ive just had the letter from the FOS saying we have won and Ocean will be in contact in the new year with the offer.

 

My ppi was £6675 Plus interest of £5699 giving a total of £12374

 

The ppi was front ended and we only finished paying it last year.

 

The letter states they have to me back to a position if id not taken out ppi.

 

Any help would be great

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What would you like help with please?

 

If it is the calculations to see what you should be getting back, please have a read of No.1 in my signature and use the spreadsheets at the end to help you.

 

If you get stuck, shout here.

 

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Thanks for the reply.

 

Great info I think ive got it

 

PPI Inc Interest is £12374

divide by 5 years is £2474 a per year

plus 8% (£197) as per FOS £2671 x 5 years

 

comes to £13355

 

Does that look right or is 8% a month not a year

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No...you need to read the article I linked you to.

 

You need to establish what the monthly repayment to wards the PPI part of the loan was.

 

You then list each and every one of one of those repayments into the spreadsheet, one under the other.

 

How long was the loan for?

 

Was it fixed rate or variable?

 

Did you make all payments on time and did the loan run its full term?

 

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That's the nightmare

 

My credit agreement only shows the following -

 

Cash Loan amount - £37500 over 180 months

PPI - £6675.90 over 60 months with interest of £5699.10 giving a total of £12375

Monthly interest rate 0.716%

 

Total - 44175.90

 

Monthly repayment = £454.93

 

When challenged on this the loan company couldn't work out how much of the monthly repayment was PPI but did agree it was front ended starting in March 2008

 

But pay back that £12375 divided by 60 months comes out at £206.23 per month

 

now my brain hurts

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Ok so you need to list 60 payments of £206.23 in the spreadsheet giving the date of the payments. Set the "Claim to" date on the spreadsheet to today's date if it isn't already set.

 

When you have listed the 60 repayments of £206.23 the sheet will then give you the figures of what you could expect back.

 

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  • 1 month later...

We have had a successful complaint upheld by the FOS on a loan with Ocean Finance.

 

The PPI was front ended and is live with the loan.

 

A offer of redress was received yesterday and it seems 4.5k of the redress is needed to restructure the loan. With £5600 being paid back to us.

 

Ocean assured me that this is good practice in line with FOS guildlines.

 

I called the FOS yesterday and they said that only applies if we were in arrears with the loan which we are not.

 

Does seem correct

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