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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.
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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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My OH vs Welcome Finance


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Hello All.

 

I'll get straight to the point. I believe my OH was mis-sold PPI insurance recently when taking out a loan from Welcome Finance. Yes, I also advised her against taking out the loan, but you know women :p

 

Anyway, I sent the following templated letter from over on the MSE forums in order to request a refund:-

 

--

In respect of the above account which was opened 30th October 2006, I was told that payment protection insurance(PPI) was a necessary part of the application, even when I informed you that it was not required by my-self, and that I would not be covered by most of the policies clauses.

 

 

Therefore on this basis, I believe that the PPI was miss sold to myself by your company.

 

I am now formally writing to cancel this insurance.

 

Furthermore In view of the way I was miss-sold the insurance, I am hereby giving you 14 days notice to refund the whole of the premium paid forthwith.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I consider that your representations that the PPI plan was required and reasonable were deceptive, and as such I was deceived into agreeing to pay the insurance.

 

For the avoidance of doubt if in 14 days I have not received a full refund, I will consider to issue a claim against you with the county courts and I will immediately lodge a complaint with the Financial Services Authority.

 

You will be aware of the recent government intervention on this matter informing the FSA and OFT to make significant changes to the manner in which personal payment protection is sold.

 

Yours Faithfully

 

XXXXXXXXX

--

 

Now that was sent on the 27th December and we have had no reply to the letter. What action should I now be looking at taking?

 

Is there a LBA letter for this sort of thing, similar to the bank charges?

 

If it was my loan, I would be willing to go to Court to reclaim the PPI. I assume you can do this after reading through some posts on here and MSE.

 

But with it being my OH, she may not want to follow this all the way through.

 

I'd appreciate any advice.

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Thank you for the reply.

 

The letter was sent via Recorded Delivery to their local branch/office where my OH originally signed the contract etc.

 

Do you think I should send a copy of the original letter to their Headoffice?

 

Any particular department? Complaints?

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You need to send the letter recorded to the Compliance Dept at head office at Ruddington. No real point in sending anything to the local offices, they often appear next to useless. We are going thru exactly the same thing. Managed to get some of the premium refunded pro rata and about to chase the rest thru the courts.

They will deny wrongdoing at every turn, so be prepared! :)

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Hello SQX:)) My complaint letter is ready as well:)) Are u using this address?Welcome Finance

Compliance Dept

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6NZ

 

Thank you

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

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Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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The compliance departments generally deal with SAR under the data protection act.

 

I would write to the Chief Executive at their Head office address..

  • Haha 1

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 2 weeks later...
Thank you for the reply.

 

The letter was sent via Recorded Delivery to their local branch/office where my OH originally signed the contract etc.

 

Do you think I should send a copy of the original letter to their Headoffice?

 

Any particular department? Complaints?

 

Hello SQX:)

 

How is it going? Any news from WF? Any results?:-)

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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