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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.

      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.
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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

b+bingley telephoned asking for documents relating to my PPI claim


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Hello.

Bradford & Bingley telephoned me today regarding my PPI claim.

 

 

They asked me if I had any documentation of my employers accident , sickness & redundancy package

from when I was told to take the PPI alongside my mortgage.

 

 

I took this out over 20 years ago and have no documents regarding the employers policy and they are no longer in business.

I have had 2 more employers since I took out the mortgage and PPI.

 

He is ringing me back tomorrow to see if I have found any documentation to send to him.

 

Are they allowed to telephone me out of the blue, if I telephone them , they say it has to be put in writing.

 

I have no documents of my accident, sickness and redundancy packages from my previous employers,

wont my claim progress without these, because I havent any of the documents.

Thank you

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ys I'd be staying off the phone.

 

 

how did you make the claim

simple letter or by the FOS customer questionnaire?

 

 

I'm surprised they are even entertaining you..

 

 

as there was no-one in 1994 to impose even the vey basic guidelines that existed then

[GISC & ABI - I think]

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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Thanks , I sent the FOS questionairre .

 

 

I had the PPI contract, which I sent a copy to them.

 

 

They are asking for documents which show that I had accident, sickness and redundancy through my employer, which I dont have.

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so did you put that in the questionnaire that you did

 

 

what was your reason for a mis-sale?

 

 

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

please answer post 4

 

 

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

the salesperson said they would not give me the mortgage if i didnt sign up for the PPI .

 

 

I said that I didnt require it as I had sickness, accident , redundancy package through my employment.

 

 

They said they would not go ahead with the motgage application if I did not sign up for the PPI

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have you sent them an sar for the paperwork?

 

 

there should be a demands and needs sheet.

 

 

i'll try for the third time.

 

 

you filled out the FOS CQ

 

 

in that you put the reasons why you feel it was mis-sold

 

 

did you put a variety of reasons

 

 

I e

the existing employment cover negated the need for PPI

the fact you were told it was compulsory

 

 

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

Hello. on the questionaire, I put both those reasons. I was told that the mortgage application would not go ahead unless I signed up for their ppi . They were supposed to call me today to see if I had found any documents regarding my old emploment , over 20 years ago, but they didnt call. Thank you

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ok good

I don't think it will be rejected on the employment no proof issue alone.

 

 

have you got the demands and needs sheet

where the advisor says its compulsory

so they pocketed the commission?

 

 

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

no. dont have a demands and needs sheet and nothing which states that it was compulsory to take the PPI , I suppose it is their word against mine and maybe I should not bother pursuing this as it is becoming quite stressful. Thanks for your help and advice.

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what about sending them an sar

 

 

you never know what may turn up.

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

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