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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.

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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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Wellington court financial services ltd not paying out on FOS final decision RE: +£58k Pension- help enforcing & using form N322A - court claim issued


Simmonds7

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Hi.

 

I'm not clear what the screenshots and figures you've posted up represent - is that all the information you've been sent?

 

Someone I know deals with certain types of pension scheme and I managed to have a quick word. Normally the basis of the calculations should be included with the offer of compensation - is there more paperwork than you've shown us?

 

A couple of questions to start.

 

1. Were you taken out of a defined benefit [DB] scheme that guaranteed you a pension of a certain amount at pension age?

 

2. You've quoted various figures in post #5. How much was tranferred into the SIPP when it was set up?

 

3. Were you offered the possibility of being transferred back into the DB scheme if that's what you were in?

 

4. For what reason is it considered that you were missold the SIPP?

 

HB

 

 

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Are these the people, Simmonds? They seem to operate in Ireland and Devon, although I saw an address in Melton Mowbray as well.

 

WWW.MONEYMARKETING.CO.UK

The FCA has stopped a firm involved in transfers out of a local government pension scheme from engaging in such activity. 

 

HB

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  • dx100uk changed the title to Wellington court financial services ltd not coughing up on FOS final decision RE: +£58k Pension- help enforcing & using form N322A

This is from the Law Gazette about enforcing FOS awards. It's from 2014 but hopefully not much has changed apart from the amounts.

 

The article mentions the FCA who from what I've read regulate Wellington in the UK.

 

WWW.LAWGAZETTE.CO.UK

Why are attempts to enforce Financial Ombudsman Service decisions in the legal system so onerous?

 

HB

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Are you planning to speak to the FoS on Monday? Depending on how it goes, it might be worth asking if you can get the FCA involved as well. As a bit of a long shot, you also have the Irish financial regulator.

 

Also, who are you in touch with at Wellington and have you had dealings with their compliance people at all?

 

This may have limited relevance but when I was searching on the internet, I came across this article from the trade press. They were told to stop advising on pension transfers.

 

WWW.MONEYMARKETING.CO.UK

The FCA has stopped a firm involved in transfers out of a local government pension scheme from engaging in such activity. 

 

There's even a high court case against them by Pension Advice Specialists Ltd, accusing them of plagiarising a report they'd written. Sadly, I'm not eligible to join the site below and I haven't found anything about the case outcome so far.

 

WWW.LAW360.COM

A British pensions adviser has sued a financial services company in London to stop it from using a report to make retirement recommendations...

 

They seem to have a lot of problems and I notice that the ombudsman says they're aware of other complaints about Wellington Court, so there may be other awards against them.

 

HB

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200 people? That's a vast number. Have you formed a group?

 

I guess it's wirth contacting Ireland, the regulator seems to be the Central Bank of Ireland.

 

WWW.CENTRALBANK.IE

This is the landing page for the regulation section of the Central Bank of Ireland's website.

HB

 

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  • 2 months later...
  • dx100uk changed the title to Wellington court financial services ltd not coughing up on FOS final decision RE: +£58k Pension- help enforcing & using form N322A - court claim issued

Hi Simmonds. I expect the legal guys will be around later to advise.

 

JR is expensive, I wonder if they mean that or if it's just an idle threat.

 

Please don't do this unless @Andyorch thinks it's a good idea but I noticed in the ramblings for the set aside that they're saying the FCA agree that Wellington were framed by GM. The FOS didn't seem to think so. But there's an article online talking about the FCA telling Wellington to stop advising on some or all pension transfers.

 

WWW.MONEYMARKETING.CO.UK

The FCA has stopped a firm involved in transfers out of a local government pension scheme from engaging in such activity. 

 

HB

Illegitimi non carborundum

 

 

 

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