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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.  

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      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.

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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 Egg Loan/Credit Card


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never said anything about sending to the FOS.

 

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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Great advice on the other Egg PPI thread,  soI'm making my covering letters as simple as possible. Can I just check the reasons work, especially the 2005/6 loan:

Egg card - never knew I had PPI, nobody told me (not on the agreement form)

Egg Loan 2001 - was not told the PPI was optional (unclear from SAR if it was online application/PPI tickbox)

Egg Loan 2005/6 - was not told the PPI was optional, also was self employed at time

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  • 3 weeks later...

First reply back from Canada Square and a swift rejection of the Credit Card application. 

 

Reason: While they do acknowledge flaws in the sales process they do not accept all my allegations. However despite that, I stated that I would have received no pay from my employer if I was off work due to an accident, sickness or made redundant. Also I stated I would have had no other way of making repayments . 

 

On discussing with a former work colleague, I think I got that wrong in the application. The sick pay for my employer (major Bank) was minimum 6 months and after that it went to insurance. Is it worth me trying to get that confirmed by the employer (was c2000 so I have no idea if this is possible?) and then go back to Canada Square? 

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any major bank would have been atleast 6mts full and 6mts half pay.

yes write back ..you made a mistake

 

like to see the whole letter to one PDF please

read upload

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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urm..

not sure where we advise a scattergun approach to mis-selling

its usually better to focus on one issue alone.

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

that's a bit over the top of then too go 3rd part harmony then in a reply

but as the 1st reply is always go away...

 

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

Yeah, I did think it was a bit of a 'kitchen sink' reply. 

 

Ok, I've spoken to my previous employer and they've directed me to the sick/absence pay terms online - 52 weeks sick pay. I'll write up a reply to CS tonight and include a printout of this. Thanks. 

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  • 1 month later...

First reply back - complaint upheld but far lower than in my claim:

 

Claim 

PPI payments £556.10

8% Interest £794.17

 

Offer

PPI Payments £473.55

Interest of payments £40.21

8% Interest £262.27

Less any previous rebate paid -£330.20

 

Unsure why their 8% is so low in comparison to the spreadsheet's calculation

They've also taken out 'rebate paid' which in their notes says it's a partial refund of the premium upon early termination of the policy - I paid this loan off early. Does this make sense?

Lastly, they say that if I cash the cheque they're sending I agree this is full and final settlement and can't make any further claims on this case - is that true? I'm sure I read something else to the contrary here. 

PPI 1.pdf

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It would depend on what date their Sec 69 interest starts from and differs to yours.Their offer is based on your acceptance as F&FS...only cash the cheque if you accept that...I dont see why you couldn't accept that term...do you intend claiming again in the future ?

 

Andy

We could do with some help from you.

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I cant see how our tried and tested method is SO wrong

or their is!!

 

ask for a full breakdown of their calculations

 

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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9 hours ago, Andyorch said:

It would depend on what date their Sec 69 interest starts from and differs to yours.Their offer is based on your acceptance as F&FS...only cash the cheque if you accept that...I dont see why you couldn't accept that term...do you intend claiming again in the future ?

 

Andy

I think it was more I was unsure if I could cash the cheque while also disputing the total - sounds like if it's a F&FS and I cash, that's the claim finalised. Just wanted to check as I could have sworn I saw someone give advice on here the other way. 

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9 hours ago, dx100uk said:

I cant see how our tried and tested method is SO wrong

or their is!!

 

ask for a full breakdown of their calculations

 

dx

 

Second one has come through and it's along the same lines. This is for the refinanced loan that was recently DCd by Arrow Global:

Claim 

PPI payments £2836.01

8% Interest £2865.40

Total £5,701.41

 

Offer

PPI Payments £3,365.51

Interest of payments £485.94

8% Interest £748.61

Less redress £2,388.44

Less basic tax -£149.72

Total £2,238.72

 

Very helpful of them to suggest I contact Arrow Global  and make a payment to them! 

Same tactic on this one - just ask for a breakdown of their calculations? 

 

PPI2.pdf

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urm they seem to be relying on the fact you got these letters in 2012 years ago 

did you?

was you address diff from take out address

but ofcourse you were on your credit file at the correct address?

 

they also appear to be going for a smaller plevin refund because of this.

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 do recall receiving a letter - not sure if it was 2012, but could have been. I can't remember seeing a copy of it in the SAR but I'll double check. Definitely don't recall reading there being a time limit mentioned - is this a valid reason to reject by them if so? 

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sadly yes

but make them prove it

if there is no evidence in the comms log of the relevant credit they sent one then no dice for them.

 

so you've not moved since taking these out?

or changed address and failed to inform them?

 

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

Nope, I've been in the same property since 2003 - this loan was taken out 2005. I think I received this letter at the height of the Shoosmiths/Arrow DCA pressure and, being honest, just got worried about responding to it. Didn't realise there was a time limit on it. Doesn't that then affect all claims? Wasn't mentioned in the first loan reply. 

Ok I'll shoot off a letter to them about the first loan to ask for detailed calculations and double check on the SAR tomorrow to see if they have the letter in the comms log. Thanks dx

Edited by LordSuggs
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2 hours ago, LordSuggs said:

I think it was more I was unsure if I could cash the cheque while also disputing the total - sounds like if it's a F&FS and I cash, that's the claim finalised. Just wanted to check as I could have sworn I saw someone give advice on here the other way. 

 

 

Well you either accept it as a F&FS and cash it or you cross out the term F&FS in the offer that you sign and cash it and write acceptated as partial payment....but I dont think they would honour any further payments...so reject it if you intend disputing the offer.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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On 25/09/2019 at 23:26, Andyorch said:

 

 

Well you either accept it as a F&FS and cash it or you cross out the term F&FS in the offer that you sign and cash it and write acceptated as partial payment....but I dont think they would honour any further payments...so reject it if you intend disputing the offer.

Gotcha - appreciate the advice

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On 25/09/2019 at 22:51, dx100uk said:

sadly yes

but make them prove it

if there is no evidence in the comms log of the relevant credit they sent one then no dice for them.

 

so you've not moved since taking these out?

or changed address and failed to inform them?

 

dx

 

I had to look through the whole bundle of SAR files several times before I spotted it. There's nothing in the comms log, but there is a 'Case Report' which is the date they're referring to. I'm still not 100% sure I received the letter - seems somewhat familiar but I can't say definitely. Do they need a copy of it for the proof you're suggesting, or is this sufficient for them? 

PPI Egg.pdf

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I think thats good enough

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

  • 2 weeks later...

I've received a cheque from CS for the loan PPI - £2,238.72. Banked and will give a CAG donation once it clears. Thanks guys. 

 

Also received a reply to the Credit Card PPI that I had queried. 8 weeks since my letter and they have written that due to the high volume of complaints it's taking longer than expected to respond. They expect another 8 weeks to respond of close the complaint. 

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