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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.

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

      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.
      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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Hi

 

I made a claim for Mis-sold PPI to Halfifax for my CC.

 

Initially used the FOSCI spreadsheet. Wasn't expecting any uphold, however, just received a letter upholding the claim.

 

However, the offer is 1/4 of the amount.

 

I've now got all the statements, so going through to use the FosRunning spreadsheet instead, so I can back up my reasons for their offer being too low.

 

My issue is that over the life of the CC, the interest rate has changed 10 times. How do I incorporate that into the FosRunning spreadsheet?

 

Thanks in advance for your help.

 

CookieRocks

CookieRocks

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Well you can do it by adapting the formulas

But best just use an avg

 

Is the card still active?

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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ok good then that's the sheet to use.

 

 

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

I'm not sure or confident of adapting the formulas.

 

Halifax's offer was 2.4K, if I use just the lowest interest rate of 17.9% which was what it was at the start of the card, it comes to 4K.

 

If I use an average which works out to 24.5%, it comes to 7K.

CookieRocks

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ask for a completes breakdown.

 

we certainly see rbs and yb gettjng calcs wrong

 

send them yours

ask why its so low

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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Hi Cookierocks

 

Have a look at the attachments and let me know how you get on.

 

mzfrfd

 

Amazing! Thank you so so much for this.

 

Just had a little play around with it with a few figures, so not fully stacked up, but I'm gonna jump on it properly in a bit and populate it.

 

Can't thank you enough. I'll let you know what it comes up with.

 

You're a star :-D

 

CookieRocks

CookieRocks

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Your welcome CookieRocks

 

I prefer that people get paid exactly what they are owed when they have all of their statements and interest rates, so I personally would not want to forward an estimated interest rate. With the exact interest rates inserted into the spreadsheet, your totals and claim is indisputable.

 

Numbers are absolute and not subjective, and the FOSRunning spreadsheets' calculations reflect the approach used by the Ombudsman, and produce the numbers that the Ombudsman's calculations would produce. That is beyond doubt.

 

The decision of a mis-sale has already been made in your favour so I would suggest the pressure is off. All you have to do now is stick to your guns and get what is indisputably yours.

 

I tried to PM you but I have only made 23 posts and need to have made 30 to have the privilege of PM'ing people!

 

Don't forget to add any over limit fees that you may have incurred.

 

If you need any help around the spreadsheet or around anything I have written in the word doc, please give me a shout.

 

MZFRFD

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