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    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which basically says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
    • where was this PCN:? please complete: pers i cant see the point in an sar yet await/if they ever send a letter of claim. as long as you've not moved since 2022 you are OK to totally ignore . dx  
    • ah this is a B2B PCP then as your are sending the SAR as a private individual and not as repping the co. you need to prove to them. unfortunately, i think that will also reset the 30 days. dx
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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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Burton Santander Store Card PPI


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I disagree with your decisions.

 

 

on the copy of my agreement

 

 

the sales rep CLEARLY marked box 2 & 6 with an 'x'

stating 'sign by the two 'x's I have marked.

 

 

that I did.

 

 

HE advised ME where to sign to gain the PPI selling commission.

 

 

it is totally immaterial that later, in many forms,

notification that I had PPI was to be found in statements or policies etc etc.

 

 

as for my self employed status

I was not a company owner or employing staff

but merely working for someone else in a self employed status.

 

 

thus I would not have been able to close anything.

I still believe this make the PPI 'void' and worthless under your self employment criteria

 

 

something like:

 

 

I was not made aware that the Payment Protection Insurance was optional.

 

Let me clarify:

I had no idea PPI was included in the amount I was paying, the process as I thought was signing the Card documents and this was something I had to pay for the card.

If I was informed that it was optional I would have opted out.

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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You can only go to the FOS after you have had a final answer from Santander.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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but it also says 'contact us with any additional info'

 

 

the Op was not an employer nor owned a business

 

 

so the PPI was worthless

 

 

the fact that the rep 'x' where to sign IS advise

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

I'd send dx's letter back to Santander, they will then give you a 'final' decision.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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but it also says 'contact us with any additional info'

 

 

the Op was not an employer nor owned a business

 

 

so the PPI was worthless

 

 

the fact that the rep 'x' where to sign IS advise

 

How on earth does an 'x' make for an advised sale?!

 

The "I was told to sign it!" argument is a non starter. Best avenue is self employment - OP should just try and get something together... accounts, tax documents... anything.

 

Referral to the FLA doesn't bode well (pre 2005 sale).

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  • 3 weeks later...

Hi had a letter back from Santander saying they previously investigated the matter in full and a final response was issued, they also say their position remains unchanged and they have closed this file on their records.

Can you please tell me where I go from here.

thanks

 

Hi had a letter back from Santanderlink3.gif saying they previously investigated the matter in full and a final responselink3.gif was issued, they also say their position remains unchanged and they have closed this file on their records.

Can someone please tell me where I go from here.

thanks

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Can someone please tell me where I go from here.

thanks

 

Complain to the Financial Ombudsman, fill in the consumer questionnaire..................

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...
Complain to the Financial Ombudsman, fill in the consumer questionnaire..................

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

Can you still complain to FOS even yhough it was regulated by FLA ?

 

It's just that my OH has a similar situation with a store card complaint pre 2005.

 

Thanks

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