Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • 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
        • Like

rleon vs Woolwich + L&G Life Insurance


rleon
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2457 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I paid off my Woolwich Mortgage earlier this year, but payments to Legal and General continued.

 

Like a lot of people I thought this was an insurance policy which would pay off the mortgage in case of death, and that it was compulsory.

 

It turns out neither fact may be true. Apparently *some* banks require a policy *sometimes*, but I have no idea if the Woolwich was ever one of them.

 

And the payout would be to my next of kin - an unlikely outcome, because I'm single with no dependents and no surviving blood relatives.

 

I've made contact with L&G but the only signed document they can send me is a medical release form. They don't seem to have - or haven't been able to find - a direct debit authority, or any other application form.

 

Apparently a capital management company was also involved, and they would have signed paperwork.

 

(Or maybe not.)

 

The mortgage was taken out more than ten years ago, so the traditional PPI term has expired. But I'm not sure this is traditional PPI.

 

Has anyone been in a similar situation and had success reclaiming these payments?

Link to post
Share on other sites

so its some kind of life policy.

 

you say payments are continuing?

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... 

Link to post
Share on other sites

I stopped them when I paid off the mortgage.

 

It clearly *is* some kind of life policy,

which rather incidentally tracks the mortgage sum remaining.

 

 

When I phoned to cancel I was asked if I wanted to continue, to guarantee a payout to my (non-existent) dependents in case of death - even though there was no longer a mortgage outstanding.

 

So it seems this was a policy solely in my name,

with next of kin as beneficiaries,

and the Woolwich were only involved to the extent that the paperwork for this policy was put in front of me when I signed the mortgage agreement.

 

My partner had the same policy in place - also on a Woolwich mortgage - so we're curious about the possibility of misselling.

Link to post
Share on other sites

why not go ring you bank and see if they'll entertain a DD guarantee refund of every payment?

I know it sounds weird

but its worked before

if there was no DD mandate then its covered by the DD guarantee

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... 

Link to post
Share on other sites

Hi Rleon,

 

Did you redeem the mortgage on the due date or was it paid off early ?

 

My first guess would be this is a policy on your life protecting the balance owed on a mgge if you died. It could be a reducing capital sum for a normal repayment mortgage, or a fixed sum for an interest-only mortgage.

 

You may be able to "convert" the policy so it continues to cover your life, perhaps on a reducing basis over the years. Even if you've stopped paying the monthly premiums, you may be able to reinstate it if less than 12 months have passed from the last payment.

 

To get the info you need, perhaps a letter to L&G is the best action.

 

Ask them to :-

 

1. Confirm the nature of the policy.

 

2. Confirm if you can continue to fund the policy.

 

3. If so, on what terms.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...