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    • Growth was stronger than expected, but millions of households are yet to feel the benefit.View the full article
    • If we can establish that he is trading then you will be protected under the Consumer Rights Act 2015. If we can't establish that then he would have to be treated as a private seller. I know that on Facebook you have been advised that you have very few rights – but this is not true. Apart from anything else, it's an offence to sell a vehicle which is not in roadworthy condition and it sounds to me as if your vehicle is not in roadworthy condition although we may will have to get an independent inspection. I understand that you had a mechanic give it a pre-MOT cheque. Was that before or after it was purchased? A few problems here – first of all, the van was very cheap. This doesn't reduce your rights anyway but what it does mean is that it may be less worthwhile taking an action that we will have to work that out later. Secondly, you bought the van from a dealer about 130 miles away. This means that if it has to be returned, there is a 130 mile trip to get it there and then you have to come back. Although it's a bit late for you, please follow the link to our used car guide and see what we say about protecting yourself when you buy used cars and in particular what's the little video towards the end of the thread. You won't feel good about it but you may as well learn something for the future and of course other people who visit this thread for that as well. Finally, if we end up having you bring a claim against him in the County Court, I have no doubt but that you will win but enforcement could be tricky. I think the first thing to do is to consult the land registry web search service and find out if he owns the property that is trading from. If he does then at least you have identified an asset and enforcement will be much easier. You can access the land registry website here Summary of freehI think it will cost you about 3 pounds.old - Search for land and property information SEARCH-PROPERTY-INFORMATION.SERVICE.GOV.UK I think it will cost you about £3 or so. Make sure you use the website link I have given you above. It is a government one. There are lots of private websites which look as if they are government and they charge you a lot more money for giving you exactly the same information.
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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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PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.


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I didnt get a huge payout but i bought a laptop with dell. They gave me back 95 pounds and have reduced my finance payments by 5 pound a month. not a huge amount but a success at least!

 

Hey Davy,

 

Well done

 

a success is a success:grin: You rightfully reclaimed back what they had wrongfully taken:grin:

 

Amounts of money are irrelevant in these cases, its the principle of righting the wrong that counts:D

Power to the people:grin:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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**Well Done KV**

Very nice win for you:D

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Won my claim against Cahoot and have just cashed a cheque for £1780.55!! :D

 

Very well done KV .... so that I can start my ppi claim off correctly do you have a copy of the template you used at the start of the process? Be good to see that as an example .. thanks

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  • 2 weeks later...

Won*Won*Won*

 

I have just been informed by the FOS that the Halifax is also refunding us the PPI from the 2001 loan,plus interest ,plus 8% interest on top.

They had already agreed to refund the ppi from the 2004 loan.

Special thanks to Hellhasnofury and Pelham ,and to everyone on this forum ,for their advice,and for giving me courage to see this through,

.

 

WWWWWWWWWWHHHHHHHHHHHHHHHHHOOOOOOOOOOOOOPPPPPPPPPPPEEEEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

AS soon as the money is in our account,I will be making a donation.

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Won*Won*Won*

 

I have just been informed by the FOS that the Halifax is also refunding us the PPI from the 2001 loan,plus interest ,plus 8% interest on top.

They had already agreed to refund the ppi from the 2004 loan.

Special thanks to Hellhasnofury and Pelham ,and to everyone on this forum ,for their advice,and for giving me courage to see this through,

.

 

WWWWWWWWWWHHHHHHHHHHHHHHHHHOOOOOOOOOOOOOPPPPPPPPPPPEEEEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

AS soon as the money is in our account,I will be making a donation.

 

Hello Maggie

 

Excellent news Maggie:-D:-D:-D So happy for you

 

Just shows to keep at them and not to take no for an answer

 

When you coming off the ceiling:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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**Well done Maggie**:grin:

Pleased for your great result.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Lloyds TSB Acc Charges - Settled 08/02/2007:D

 

Alliance & leicester - PPI Removed from loan :)

Lloydstsb Credit Card PPI - Getting both barrels now:wink:

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**Well done to I hatemybank and Cougar**

Congratulations to you both:D

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi Just had my two cheques from Nastywest for loans in 2001 and 2003 totalling nearly £1700 - shall be banking these today!

 

They refused to pay stat interest so in the end I did give in and accept their goodwill offers because this will be very nice before Christmas!

 

But .. I do have another current ongoing PPI claim with Natwest and I won't be folding that easily because at the moment they can't produce a copy of the original signed agreement!

 

I'll keep my thread updated for you as soon as they get back to me (very slow at responding and I'm trying to be patient ha ha!)

 

TMA

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**Well Done TMA**:D

Enjoy;-)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Excellent new TA well done:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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W H O O P E E W H O O P E E W H O O P E E

 

I hadn't bothered to start a thread on my PPI because it was too straight forward! I have had a BHS Gold store card since 2004 (£250 limit) and after joining CAG decided to have a little look more closely at my statements. PPI had been charged every month, so dug out my original agreement and I had clearly written in CAPS, for 30 days only (cooling off period I presume). I didn't even bother to send a SOC and wrote to Head Office in London 3 weeks ago and got a letter today advising full refund and interest and loss of cash !!!!!!!!!!! Amounts to about £250 !

 

W.e.f. 1st November GE are no longer financing BHS cards and card is defunct so how it is to be refundedI do not know but it will help with some Christmas shopping and a further donation to CAG :lol:

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Excellent new for you well done.

 

I have even signed up to the petition:D

 

http://petitions.number10.gov.uk/experian/

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Well Done AA99

 

petition duly signed

 

the other

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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aaaaaaaaaaaaaaaah, you guys, I've had tears in my eyes all day, choked up. ;)

 

Just hope their refund comes in some form that I can spend for Christmas otherwise I am really stuffed with my kids and OH who obviously feels that the whole credit crunch and charges such as PPI and institutions such as MBNA make him feel like it's all his fault..................:(

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