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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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What do you think of this?

23 January 2007

Customer Relations Manager

Welcome Finance Services

 

Kingston House

Centre 27 Business Park

Woodhead Road

Batley

West Yorkshire

WF17 9TD

 

Dear Sir or Madam,

 

Re: Claim for Refund Of Personal Loan Insurance

Policy Number WMCxxxxxxxxx

In July 2005 I was approved a loan for £1,000. I was advised that as condition of the loan, a payment protection insurance (PPI) would be part of the loan, as it would insure payments would covered if I were to become unemployed or was unable to work. This was in the form of an additional loan totaling £542.91

 

It is fact that you are not allowed to make(PPI) a condition of a loan.

 

I therefore consider that I have been mis-sold this expensive insurance, and request that a full refund of all costs incurred through the aforementioned PPI, including all associated interest, and that the loan agreement schedule and payments be adjusted, to incorporate the removal of all costs associated with PP1 and itself as detailed.

 

I would appreciate an immediate response to this letter that will conclude this matter as mentioned.

 

Yours faithfully,

 

Mr C McCarroll

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Hi,

Letter looks ok to me, But I may be inclined to give them 14 Days to refund the PPI and Interest. I would add in that if they do not respond in a possitive manner within 14 Days you will send a LBA giving them a further 14 days to settle your complaint, and if they do not respond in a positive manner after the 14 Days on the LBA then I would go down the road of going to court to recover the Money.

 

I would advise this in case you do have to issue a claim via the small claims court system, If you do go to court you have to at least show that you have given them a reasonable timescale to refund the PPI plus Interest. 28 Days is seen by the court as a reasonable time to settle a complaint.

 

They will fight harder over Mis Sold PPI than they do re bank charges. It is a bit harder to Prove Mis Selling, so be prepared for a bit of a fight.

 

That is just my opinion on the matter.. But please put some thought into being reasonable before diving in.

 

Good Luck

 

Ian

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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What do you think of this?

 

23 January 2007

 

 

Customer Relations Manager

Welcome Finance Services

 

Kingston House

Centre 27 Business Park

Woodhead Road

Batley

West Yorkshire

WF17 9TD

 

 

Dear Sir or Madam,

 

 

Re: Claim for Refund Of Personal Loan Insurance

Policy Number WMCxxxxxxxxx

 

In July 2005 I was approved a loan for £1,000. I was advised that as condition of the loan, a payment protection insurance (PPI) would be part of the loan, as it would insure payments would covered if I were to become unemployed or was unable to work. This was in the form of an additional loan totaling £542.91

 

It is fact that you are not allowed to make(PPI) a condition of a loan.

 

I therefore consider that I have been mis-sold this expensive insurance, and request that a full refund of all costs incurred through the aforementioned PPI, including all associated interest, and that the loan agreement schedule and payments be adjusted, to incorporate the removal of all costs associated with PP1 and itself as detailed.

 

I would appreciate an immediate response to this letter that will conclude this matter as mentioned.

 

Yours faithfully,

 

Mr C McCarroll

 

 

 

 

 

Well done Craigamc, great letter but you should send it to the Head Office in Ruddington for the Chief Executive attention....Send it by recorded and phone them in 2 days to confirm they received the letter.

 

 

 

Ian is right... it's a long way till you get your money back from WF....so be prepared:))))))))))

 

G ;):) d luck and keep us updating:)))))

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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Hi

 

Yes ok but I would agree with reidnet give them a reasonable timescale in writing laid out in the prelim letter,14 days from your prelim to an LBA an then another 14 dayas to proceedings. Something like this :

My targets to resolve this matter

 

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that this time frame is sufficient for a large company such as yours with its dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

Sick at it and good luck.

Oh one other small thing I think you mean ensure not insure !

Good luck

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

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Good luck Craig

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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