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

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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reclaiming vintage hfc ppi


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Could be a struggle getting info that old off them, not saying they wont have it, but they wont want to give it you if it means actually working to collate it all

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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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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we have know HFC to provide data back to the late 1980 several times.

 

 

the thing to do with HSBC is to detail everything you know and should on the 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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  • 3 months later...

Just updating this... have now involved FOS... they have just emailed to say that HSBC have contacted them to say that they do not hold any information and are asking if I have any proof by way of bank statements, etc... this is 30 years ago!! Also, I believe we had an HFC bank account at that time, so they are probably just trying to get out of it...

 

The FOS has asked me to report back if I have any proof of payments but said they don't expect me to have these as it was so long ago...

 

So... ball back to HSBC...(I notice they are in the papers again for their involvement in some financial scandal)...

 

Will be back again as soon as I hear any more. TB

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Just updating this... have now involved FOS... they have just emailed to say that HSBC have contacted them to say that they do not hold any information and are asking if I have any proof by way of bank statements, etc... this is 30 years ago!! Also, I believe we had an HFC bank account at that time, so they are probably just trying to get out of it...

 

The FOS has asked me to report back if I have any proof of payments but said they don't expect me to have these as it was so long ago...

 

So... ball back to HSBC...(I notice they are in the papers again for their involvement in some financial scandal)...

 

Will be back again as soon as I hear any more. TB

 

 

May of been burnt in (mountain) Fire years ago, a lot of records destroyed in storage, they hate to admit the fact. believe a lot of Worldwide records was stored there

:mad2::-x:jaw::sad:
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Hmmm… I didn't know about that!

 

 

I wonder if the FOS will uphold my claim, being as there is a signed agreement but no actual proof of payments…?

 

 

The other thing is that HFC also put a charge on our property as well as the PPI insurance…

(only my husband was covered on the PPI as I wasn't working, so I suppose they thought they would secure the loan every which way they could, just in case)…

 

Thinking back

… we were very young and totally naive at the time…

I'm now wondering if they were paid twice.

. once through the loan payments and then again when the house was sold,

unless they removed the charge when the loan was paid up… I've no idea… erk!!

 

 

TB

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so it was a secured loan..

 

the charge would be resolved upon completion of the loan.

I don't believe HFC were part of the great fire.

 

if you look up atleast ims21 threads

you'll he got data back to 1983and there were a couple of others too.

 

I suspect the bank account was a personal loan account plus

have a read of that IMS21 thread.

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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I see the threads might of got lost in the old virus attack we had some while back

I'll see if I can recover them

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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  • 2 months later...

Getting very excited... looks as though the FOS has upheld the claim..

. they are giving HFC until the 21st to come up with a reason why they should not pay the full amount of my claim.

 

 

.. they are offering to pay for 24 months when the loan ran over 7 years..

. FOS has told them to pay 5 years PPI plus £100 for messing me about and saying I needed more proof, when I had provided all the documentary evidence.

 

I was paying £107 per month and the claim goes back to 1986...

Watch this space!! :whoo:

TB

 

So what you said, DX, about them having data which goes way back, is correct... and anyone who has had a loan with HFC should pursue it... they DO have access to the really old stuff and this is the proof. TB

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Statint sheet does it all for you

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 dx... my computer sez 'No'... I need to update apps or something and I don't know the password.. duh!

I found some calculators online... the difference between simple interest at 8% and compound interest is massive!!

I guess I'll only be allowed to calculate the former, though, as this was PPI on a loan rather than a credit card.

I must say, £1400 doesn't seem a lot, seeing as I've waited 30 years for it... The compounded interest is around £25k! TB

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what do you mean

you've not got Microsoft office?

 

 

you can download and install open office then free

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

forget this compound int on a LOAN.

 

 

their int is already calculated in the monthly sum you paid for PPI.

 

 

on most HFC agreement it tells you the sum per month you are paying for PPI.

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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go look you have a search engine as well as what we have!!!

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 was paying separate premiums of £10.77 per month for 5 years... TB

 

 

and the total you paid per month was?

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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I was paying separate premiums of £10.77 per month for 5 years... TB

 

 

and the total you paid per month was?

 

I make it 11.63 with the 8% interest added...

So x that by 60 and it comes to £697.80 owed.

Unfortunately, I was unable to download the Micro Office spreadsheet app, but I came across this very simple calculator where you just enter the figues in and it does it all for you.

Very clever!

http://www.trethowans.com/site/resources/interest_calculator/

 

TB

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Oh...cr*p! Sorry dx... I'm very confused now... I don't know why, but I thought I was paying the PPI separately from the loan. I've just had a look at the agreement and the PPI and loan are rolled into one monthly payment.

The loan payments were £179.58 and the PPI of £10.77 was added to it, making a total monthly premium of £190.35.

The PPI apparently comprises 6% of the monthly loan payment. APR on the loan was 22.4%.

I don't know if this makes it different when calculating the interest on the PPI. TB

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that's too low for PPI. 5.7%PPIPCM

 

 

the £10.77 PCMPPI is prob right - but is the £179.58 for goods before or after interest is added.

 

 

can you scan the agreement to pdf please

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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