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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Congratulations Beachy - fantastic news :D

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Good to see you back on the forum AA :)

 

Celebration time here this weekend.

 

After rejecting Barclaycards pathetic ppi refund offer (£1,400 ish) and after 18 months of letter exchanges & involvement of the FOS, received a 'fresh' refund offer of £9,000 + in full & final - clears the card & leaves a nice balance left over ( time to spoil the missus I s'pose?).

 

Could squeeze ''em a bit more as they have 'estimated' ppi for the missing statements but I have two years more statements then they think I have, but I am more then happy with their current offer + its been a long battle & I want closure.

 

If only I can get Mercers non compliant DN removed from the CRA now :rolleyes:

 

Still fighting Egg & Santander

 

Thanks to all concerned for the inspiration & encouragement.

 

Beachy

 

Cracking result beachy Well done you:D

 

Do you need anything put in the **won** area just let me know

 

I am very pleased for you ;)

 

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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Hello,

 

I have recently had a PPI success. However I did go through an intermediary called BBH solicitors. The story goes that about a year ago they called me about requesting them to investigate any missold PPI. I believe I got a letter from them stating that I did not have a case and they were not going to investigate further. Now about 2 weeks ago CitiFinancial had sent me a letter acknowledging my complaint and then a

week ago they stated that they will refund me £700. Yippee! Now the bad news - BBH Solicitors had sent me a letter stating that if any defendants had contacted me directly then I had a duty to pay their fee. Another letter came requesting the fee of £302.

Am I within my rights to refuse them as I hadn't heard from them for over a year and I believe I got a letter from them stating that they were not going to pursue. I gotta find that letter.

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no mate dont know anything about it:)

 

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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Hello,

 

I have recently had a PPI success. However I did go through an intermediary called BBH solicitors. The story goes that about a year ago they called me about requesting them to investigate any missold PPI. I believe I got a letter from them stating that I did not have a case and they were not going to investigate further. Now about 2 weeks ago CitiFinancial had sent me a letter acknowledging my complaint and then a

week ago they stated that they will refund me £700. Yippee! Now the bad news - BBH Solicitors had sent me a letter stating that if any defendants had contacted me directly then I had a duty to pay their fee. Another letter came requesting the fee of £302.

Am I within my rights to refuse them as I hadn't heard from them for over a year and I believe I got a letter from them stating that they were not going to pursue. I gotta find that letter.

 

Hi Great work if you can get it!

 

Pay them for what? will you send me £400.00 please because I think your next cca will be enforcable...

 

Give the buggers NOWT.

 

Send them a nice letter outlining the facts, which are what, you have explained above.

 

Well Done

 

Mr W

Regards..Mr Worried :)

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  • 2 weeks later...

Hi all

 

had good news well I think it is i am after a bit of knowledge from here if anyone can help. Had a message to ring the FOS they said HFC have agreed to a full refund of the premiums paid plus the 8% interest well I have calculated between £8000 and £11000 would this be the offer that will give, I am jumping for joy inside but worried also they will come back with another mickey mouse offer. The FOS said they are upholding the claim against HFC so is this good news? can someone advise?

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Nice one lillymay; I believe, but am definitely open to correction (you can tell I'm married - no?) that they should put you back in the position you should have been if they had not taken any ppi. Did they, in fact, charge any interest (don't know what type of loan it was) and if it was more than the 8% offered then they should damn well pay it back. If it's being upheld by fos then you should be on firm ground.

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Hi all

 

had good news well I think it is i am after a bit of knowledge from here if anyone can help. Had a message to ring the FOS they said HFC have agreed to a full refund of the premiums paid plus the 8% interest well I have calculated between £8000 and £11000 would this be the offer that will give, I am jumping for joy inside but worried also they will come back with another mickey mouse offer. The FOS said they are upholding the claim against HFC so is this good news? can someone advise?

 

dont trust HFC as far as you can kick them.

point me to your thread please

 

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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no got it correct

be up soon

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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6 yrs good heavens no you can go back as far as the statements you have prove so if you do not have them all send the S.A.R letter of first and see what comes back PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi Pompey,

 

Thanks for the reply. I have all the statements from 2004 but the PPI started to be applied in 2002. After sending two letters the bank have said that they will not refund a penny despite being self employed at the time the policy was taken out, in addition to other reasons why I believe the policy was mis-sold. I am now just about to register an official complaint with the Financial Ombudsman Service and will ask for a refund starting from when the policy was applied. As I don't have the statements from 2002-2004 does it matter?

 

Thanks for your help.

 

TheyrCriminals

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no but you can estimate or look at bank statements.

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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Me vs Ocean finance ppi won + ocean offered interest @ 8% RESULT!!!

 

Well done :D

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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Just received a letter from barclaycard they are going to pay me back 2500.00 to my card. This was after fillingin their questionnair. Pity I cant say the same about my Lloyds credit card. (They cant even find the application form)

 

Good result on Barclays do not give up on Lloyds ;)

 

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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Had part payment of £1970 from MBNA, still waiting for the remaining £900 from them!

HSBC - Pre Lim sent 12-12-06, LBA sent 27-12-06, reissued 5-1-07. Part offer rejected 17-1-07, MCOL 19-1-07, AQ - 21-2-07. Settled

Nationwide - S.A.R. sent 13-12-06, Pre lim sent 5-1-07, LBA sent 19-1-07, MCOL 2-2-07, WON 22-2-07.

Capital One - S.A.R. sent 13-12-06, Pre lim sent 17-1-07, LBA sent. Settled

MBNA - S.A.R. sent 13-12-06, Offer rejected 19-1-07, Pre Lim 19-1-07, LBA sent, Setteled 21-2-07.

MBNA Loan PPI - Pre lim sent 19-2-10, Settled.

MBNA CC PPI - Pre lim sent 19-2-10, WON 2-7-10.

HSBC PPI - Pre lim sent 19-2-10, with Court

EGG PPI - Pre lim sent 19-2-10, FOS upheld 3-7-10

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Guest MamaG1

RBS / Natwest wrote to me and said they know they cant take me to court on this account, but I should fill in an income an expenditure account and call them to suggest a repayment plan, or they will put info on my credit record on this account not being paid,

In the mean time I am still in dispute with them on the misold PPI and the full a payment back to me and a statement of the account reflecting the original loan amount and PPI and the reversal of the PPI and all the interest changged on it. hence reconsiling to the amount they claim they have refunded me.

I am yet to see this or any sensible or meaningful statement or reconciliation, an agreement or CCA to date. yet They are trying to harrass me into paying them money. No CCA, No statement to show what they refunded me. No success to the account as they took the card away from me without notice??.

This institutions are all legal rouges and legal bullies.

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RBS / Natwest wrote to me and said they know they cant take me to court on this account, but I should fill in an income an expenditure account and call them to suggest a repayment plan, or they will put info on my credit record on this account not being paid,

In the mean time I am still in dispute with them on the misold PPI and the full a payment back to me and a statement of the account reflecting the original loan amount and PPI and the reversal of the PPI and all the interest changged on it. hence reconsiling to the amount they claim they have refunded me.

I am yet to see this or any sensible or meaningful statement or reconciliation, an agreement or CCA to date. yet They are trying to harrass me into paying them money. No CCA, No statement to show what they refunded me. No success to the account as they took the card away from me without notice??.

This institutions are all legal rouges and legal bullies.

 

Have you taken your complaint to the Financial Ombudsman Service??

 

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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Guest MamaG1

I have taken this complaint to the FOS and they also know that I have.

Originally when the the fos got involved they came back tome with the confirmation that they are refunding the misold PP

I. which seemed fsir enough, but I sthink it is only fair that I get a proper reconciling statement with this. Otherwise they could just be making this up as they go along, which is what they do a lot to majority of their customers and majority of us do not know any better. They probably just add it all back to the remainig amount without us knowing. But thewy cant do this if they produce a proper transparent and reonciled statement of the loan account from the onset.

I think they are just intentionally choosing to play dumb and hence a different team keep writing me and asking me for a payment plan. because they cant do things properly, dont have the records or just cant be bothered, hence hope by pressurizing me, ill go break under their pressure. how unfair. they treat so many like this

 

The last time I heard from the FOS they said they are looking into it further.

So I have written them back as in RBS to remind them that the case is with the FOS.

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