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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Mr Edinburgh7 Vs Welcome Finance and WON just over £3k!!!! They made me work for it though, with over a dozen phonecalls chasing there compliance department, each one between 30 mins - 1hr long!!

 

Was that for PPI?

 

If so how long have you had to wait

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Was that for PPI?

 

If so how long have you had to wait

 

Yes that was for PPI on a secured loan.I waited probably the best part of 6 months from memory but there was a lot of issues along the way, with them trying eveything possible to avoid paying it!

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  • 2 weeks later...

Santander / GE Capital finally coughed up, took them bang on 8 weeks before i was going to the FOS, still have one on HFC with the FOS and 2 with Black Horse and a further one with Lloyds TSB, still ongoing. Fingers crossed they will be all good!

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Santander / GE Capital finally coughed up, took them bang on 8 weeks before i was going to the FOS, still have one on HFC with the FOS and 2 with Black Horse and a further one with Lloyds TSB, still ongoing. Fingers crossed they will be all good!

 

Great news....good luck with the others

 

ims

 

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MBNA just agreed to pay up and only took 2 letters. Have another one with them pending so can't see there being a problem with that either now they have admitted the first. HFC also agreed to pay but want to offset against balance. I think not as this was included in BR and therefore debt is settled.

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I had success with BOS on one account which had been sold to Cabot DCA (Debt purchaser). The debt was written off as a result of my loan agreement being a multiple agreement and the agreement unenforceable. Morgans, Cabot solicitors also botched up litigation too so effectively withdrew their claim anyway and paid my legal costs.

 

Important issue here was, there was a large balance remaining before this litigation and BOS wanted to pay PPI back to Cabot rather than to me and I argued that as the Debt Purchaser (Cabot only paid something like 8% of the face value of the debt for the loan and the PPI was over £5k Cabot would be Unjustly Enriched.....(which in laymans terms means they would profit unfairly from this)as they bought the debt for approximately £1500 at the very most. They had also settled in a full and final settlement as a result of the above litigation farce.

 

BOS said in letter that they will, in that case refund any monies to me having considered those points raised.

 

They paid out despite the fact I had made a claim for a full one year of monthly payments the insurance company paid, but they quite fairly reduced my claim by the benefit I had received, which was a pity because it made into hundreds what would have been thousands, but hey-ho all we want is fairness.

 

Success, with a twist which may help others. (Especially as my mates Cabot got not a bean!:lol:

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I'm confused and happy! :???::whoo:

Happy because today I had a letter from Egg Loans today agreeing a PPI award of £4457, cancelling the £2025 debt owed and a nice cheque for £1957.99 which will go a long way toward clearing my overdraft and credit card.

 

Confused because of the charges they applied. Could somebody please visit my thread in the Egg section and advise me please?

http://www.consumeractiongroup.co.uk/forum/showthread.php?188382-Egg-Loan-and-Me-(hello!)/page2

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please ouline the details of the settlement figure

 

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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I got Refund of Premium

 

Refund of Interest applied to the account becasue of the PPI

 

Interest @ 8% Simple

 

Claimed Contractual they paid Simple - are any folks getting Contractual?

 

noomill060 says it dwarfs PPI Premiums, Contractual makes a huge difference.

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  • 2 weeks later...

HI

 

Just wanted to share this........I've had success with Cahoot (Santander). Wrote to them re: personal online loan taken out with them and 2 weeks later I've received a letter saying they've reviewed my claim etc and they're offering me £4064.85p. The loan was for £12k. To aid swift refund they're sending it via electronic transfer if I accept.

Well my bits all signed and I'm sending it back tm first thing ....they even supplied a pre-paid envelope first class.

 

RESULT.......................................just got to hear back off others now.

 

Good luck all :-D

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HI

 

Just wanted to share this........I've had success with Cahoot (Santander). Wrote to them re: personal online loan taken out with them and 2 weeks later I've received a letter saying they've reviewed my claim etc and they're offering me £4064.85p. The loan was for £12k. To aid swift refund they're sending it via electronic transfer if I accept.

Well my bits all signed and I'm sending it back tm first thing ....they even supplied a pre-paid envelope first class.

 

RESULT.......................................just got to hear back off others now.

 

Good luck all :-D

 

Well done, ronnie :)

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Dealing with Customer Service Departments? - read the CAG Guide first

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1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Capital One CapQuest Success

 

One letter following the guides and advice given here claiming PPI premiums and interest on them, and a letter back after only 4 weeks offering all premiums, very little interest (as aposed to my claim), but the 8% interest which I hadn't hit them with yet. As it all came to about the same figures I accpeted their offer.

 

Thanks again Caggers, I'll be making a donation again.

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MBNA paying up!

 

Gob-smacked, thought they would be the really tricky one based on the problems people have had with them in the past and I had ticked the box etc so all my word against theirs re. mis-sale.

 

However one stroppy letter, couple of 'we're looking into your complaint' and 'sorry for the delay' responses from them and now MBNA are paying back Premiums + CI + 8% £7500 (approx, sorry haven't got the letter in front of me)

 

Don't give up and don't give in!

Score Card

 

For myself, family and friends......

 

WIN! MBNA - £8,000 CC PPI + 3 months interest for delayed refund

WIN! RBS - £1,400 CC PPI + 4 months interest added for delayed refund (via FOS)

WIN! RBS - £150 BC (via FOS)

WIN! Creation - £575 Store card PPI + 3 months interest for delayed refund

WIN! Creation - £120 BC

WIN! Ikano - £795 Store Card PPI

WIN! CapitalOne - £1700 CC PPI

WIN! CapitalOne - £110 BC

WIN! HSBC - £2,850 CC PPI

WIN! RBS/MINT - £1,900 - CC PPI

WIN! Halifax - BC - £102

WIN! Barclaycard - £130 BC

Awaiting offer HSBC - MPPI (via FOS)

Awaiting final response Barclaycard - CC PPI

Awaiting final response Morgan Stanley - CC PPI

SAR sent HSBC - CC PPI + Loan PPI

SAR sent GE Money - Store Card PPI - not holding out much hope as very old account

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can you post up the letter

 

this is a real change for MBNA

 

what calcs did they use?

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

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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Hi dx100uk,

 

Won't be able to load anything for a bit because I'm away for the next couple of weeks but the figures were approx

PPI premiums £2500

Interest £4000

8% Interest £1000

 

Actual figures weren't so neat and rounded up obviously and haven't received cheque yet (card has a zero balance so they can't try and off set it against anything) should have cheque within 28 days. I haven't had a chance to check the figures against my mountain of paperwork and they didn't state how they had calculated it but the PPI premiums figure sounded about right, will go through everything when I get back.

Score Card

 

For myself, family and friends......

 

WIN! MBNA - £8,000 CC PPI + 3 months interest for delayed refund

WIN! RBS - £1,400 CC PPI + 4 months interest added for delayed refund (via FOS)

WIN! RBS - £150 BC (via FOS)

WIN! Creation - £575 Store card PPI + 3 months interest for delayed refund

WIN! Creation - £120 BC

WIN! Ikano - £795 Store Card PPI

WIN! CapitalOne - £1700 CC PPI

WIN! CapitalOne - £110 BC

WIN! HSBC - £2,850 CC PPI

WIN! RBS/MINT - £1,900 - CC PPI

WIN! Halifax - BC - £102

WIN! Barclaycard - £130 BC

Awaiting offer HSBC - MPPI (via FOS)

Awaiting final response Barclaycard - CC PPI

Awaiting final response Morgan Stanley - CC PPI

SAR sent HSBC - CC PPI + Loan PPI

SAR sent GE Money - Store Card PPI - not holding out much hope as very old account

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And another thing while I remember - I took out the card and PPI in 1998 - they are refunding PPI charged from the sale date so they're not attempting to just refund the 'last 6 years' or time-barring etc.

Score Card

 

For myself, family and friends......

 

WIN! MBNA - £8,000 CC PPI + 3 months interest for delayed refund

WIN! RBS - £1,400 CC PPI + 4 months interest added for delayed refund (via FOS)

WIN! RBS - £150 BC (via FOS)

WIN! Creation - £575 Store card PPI + 3 months interest for delayed refund

WIN! Creation - £120 BC

WIN! Ikano - £795 Store Card PPI

WIN! CapitalOne - £1700 CC PPI

WIN! CapitalOne - £110 BC

WIN! HSBC - £2,850 CC PPI

WIN! RBS/MINT - £1,900 - CC PPI

WIN! Halifax - BC - £102

WIN! Barclaycard - £130 BC

Awaiting offer HSBC - MPPI (via FOS)

Awaiting final response Barclaycard - CC PPI

Awaiting final response Morgan Stanley - CC PPI

SAR sent HSBC - CC PPI + Loan PPI

SAR sent GE Money - Store Card PPI - not holding out much hope as very old account

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