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    • We have spoken to DVLA and been told to write a letter with the details. Even though there is no address available it will be on record that she is no longer the keeper and that will be backdated to the time of sale.   I'm sorry I haven't addressed your questions. It's a Mini 07 registration 70,000 miles, service history, well maintained, bodywork perfect, 2 former owners MOT  December and recently serviced. Price £1900. As far as we are aware there were no other issues apart from the small oil leak - they are claiming there is oil all over their drive but there has never been any oil on our drive. (My daughter did suggest that they might not have screwed the oil cap on properly). In fact a local garage looked at it the day before the sale and their description of the leak was 'slightly damp'. It was advertised on Gumtree and Facebook Marketplace. The advertised price was £2250. There was no smell of burning oil when they test drove, nor had there been any such smell or fumes.
    • To answer the question, no, unless they do it illegally. 
    • the differences between brexiter bull-fantasy and Remain Reality begins to bite   add in: Just a year ago she was saying in the express that Brexit would stop the EU 'stealing' our stocks 'on OUR terms', without mentioning:   * the vast majority of our catches are sold to the EU (which she should know as a fish auctioneer profiting from others work) * the effects tariffs would have * The vast majority of the fish we eat is imported * The United Nations stocks agreement * The migratory nature of the fish (sic) * Irish and Scot fishing/territorial waters if they become independent   and of course she's out of one of her income streams LOL .. but I assume her fish auction company can still auction UK catches to the EU without change ... for now   You can understand how terms like 'mummery' came into use can't you?
    • Thank you for your responses. In terms of the vehicle, it is a 2010 volkswagen crafter which I purchased for £2500. It has 160,000 miles on the clock. But for its last MOT had 260,000 miles on the clock.  The reason I didnt check these bits and Bob's is due to the fact I have only bought new previous to this and being young I guess I was naive and trusting to a certain extent or should we say inexperienced in used vehicles.   He has several Van's listed and several more at his address also. I have his address yes, I'm unsure on ownership of said property.   I have pictures of all conversations between ourselves, I also now have written confirmation from a garage in regards to the forged service history I am awaiting a call off 2 others as I type this. I am now losing an extreme amount of money per day due to not being able to work or get the money back and this is seriously affecting my health already.   Apologies if i have missed anything out there I've tried to answer as best I can.
    • Have you been in contact with the Council's Housing and Homeless Team? Also have you had a proper benefit assessment.
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Lady never again

Claim witheld re Igroup/gemoney and Loans.co.uk

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Hi Guys - received a letter from Loans.co.uk saying that I had been possibly mis sold a ppi policy on my mortgage - originally through igroup and then gemoney. I completed the form returned it and have been told that it has been upheld and that they are calculating the settlement. I raked through some old documentation and fund the 5 year term policy which was paid in a single premium back in 2006- now I am still paying my mortgage still got 10 years to run- I can remember that it seemed my mortgage was a lot higher in the first couple of years but I cant remember any specific ppi repayment being paid monthly - So do you think that I have repaid all of the single premium in the first fe years or would that premium of 4400 been spread over the whole life of the mortgage which would mean Im still paying it even though it was only for the first 5 years. I actually rang the Wessex group who checked and said it was paid in one lump at the beginning of my loan - just wondered if you had heard of this before

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Hi,

 

This is the FOS take on single premium policies ...

 

In many cases, the PPI premium is often charged up-front in one lump sum – called a“single premium” – that is added to the loan. So the monthly payments the consumer makes towards the costs of the insurance aren’t actually insurance premiums – they’re additional loan repayments (and interest).

 

This means that consumers can’t just stop paying for the PPI. Instead, they have to get a refund – which may be refused, or be for an amount the consumer thinks is too low.

 

Many consumers argue that these arrangements are unfair – especially if the loan is paid off early as part of a plan to restructure (or consolidate) debts when they are in financial hardship. In these circumstances, we look at the individual facts of the case – particularly that the consumer was told when they bought the PPI.

 

If we decide that the business explained clearly how the policy works, we will probably only look at whether the refund has been calculated fairly.


 
 

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So if Loans .Co Uk have admitted to me that they believe my claim is upheld - It was never explained to me at all - in fact I didnt know that this was what it was until they contacted me- then how do the y calculate what I might be owed . Is it them that repay me.

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