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

      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.

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      Many thanks 
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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
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PPI reclaiming on RBS Loan in 1988


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In 1988 while I was in the army I took out a £2000 loan from the RBS in Stirling branch

 

 

As I recall I was forced to take out insurance with his loan.

 

In 1990 I had to leave the army to look after my mother who was seriously ill at the time.

 

 

I tried to claim the insurance from the loan which was rejected as I left the army voluntarily.

 

My mother is moving house so I've been clearing out the attic

and I've discovered the old credit agreement from this loan.

 

 

Do I still have a case to claim the compulsory insurance or am I time barred?

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No you certainly can reclaim the PPI

 

Send a letter of formal complaint with your reasons for the misale plus a fos questionnaire and as you have the original agreement

 

a spreadsheet showing the amount you are reclaiming

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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No you certainly can reclaim the PPI

 

Send a letter of formal complaint with your reasons for the misale plus a fos questionnaire and as you have the original agreement

 

a spreadsheet showing the amount you are reclaiming

 

Okay cheers. Are there any letter templates available and what;s a FOS?

 

How would I calculate how much I should ask for?

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have you got all the statements?

 

 

might be an idea to gather as much info first via an sar

 

 

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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dx100uk No statements only the credit agreement.

 

One query I do have is on my credit agreement it states 'insurance option' but I can assure you it wasn't an option as I was forced to take it out or I didn't get the loan. Would this still be considered as PPI?

 

I've attached the credit agreement obviously omitting my personal details.

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Hi Argyll,

 

As dx said, send a Subject Access Request to RBS, this will let you know how much you paid on the insurance. They have 40 days to comply with your request.

The FOS theoldrough mentioned are the Financial Ombudsman Service, they have a spreadsheet you can fill in once you have all details of the insurance payments, this calculates how much you should claim back from the Bank.

 

This is the address I used for my SAR to them...

 

PPI Customer Concerns Team

Royal Bank of Scotland Group,

5th Floor,

Hardman Boulevard,

Manchester,

M3 3AQ

 

Once you get the result of your SAR request we can give you a letter to send also help you fill in the FOS questionnaire and spreadsheet.

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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I called them today at their PPI handling service in Manchester. They called their department 'Mediation Operations'

 

I gave them some details but they can find no trace of me. So they advised I write to them with more details.

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Giving them your address at the time you took out the loan should enable them to find what they have on you, the agreement you have posted up is too small to read, are there any dates or agreement numbers on the document.

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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They can't seem to find any record of me living at my previous address but I'm not surprised. Clearly the don't want to make it easy for us.

 

The credit agreement has no date but it does have a reference number at the bottom.

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Clearly the don't want to make it easy for us.

 

 

The credit agreement has no date but it does have a reference number at the bottom.

 

That's all part of the game, make it as difficult as they can.

 

The reference number should help them find stuff on you.

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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