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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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Hi I got almost £10,000 back in ppi and insurance from HBOS credit card. Just before the refund came through (completely out of the blue as I had only written to complain about them still deducting insurance and interest whilst on a repayment plan) a credit for the same amount was applied to the credit card. This was over Christmas and New Year. Before we got a chance to bank the cheque we were getting letters from HBOS solicitors demanding full payment, despite the debt being £10,000 less. They told us that the minute we got the PPI refund, the repayment plan was null and void. We came to an arrangement to pay the o/s balance. My question is this.. Where they allowed to keep the ppi refund?

Nemo also gave us a ppi refund, they also kept it and deducted if from our o/s balance. We are not in arrears with them, never have been x

scotgal 

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With a credit card then yes they can set the payment against the account provided they still own the account.

 

With a loan, a PPI refund can only be set against notified arrears, not against the general loan.

 

This is the PPI success forum....best to start your own thread of you wish to discuss this further.

 

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

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

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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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28th April I mailed complaints to 9 credit cards

 

So far, I have had success from:

MBNA Mastercard, @£3.5k

Co-op Bank Visa (formerly Northern Rock Visa). @£1.7k

Barclaycard for former Providian / Monument Visa, @£500

Egg Visa, @£900

 

Just had 1st knock-back too from MBNA for Visa card which I am going to challenge

 

Waiting for replies still from Lloyds for 2 cards, another Barclaycard and Capitol 1 visa

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  • 1 month later...

Just got my first offer from RBS! £8k but I have a CCJ/charging order for £8k based on the most recent loan default. I realise they can offset, but surely as the CCJ figure includes the PPI I would be due that back. Is that correct?

PPI reclaims:

RBS: Received stat interest on premiums - £2345, awaiting premiums refund (possible offset)

Blackhorse: Confirmed upheld, awaiting letter - circa £2k

 

Charges reclaimed:

Barclaycard £800 + 8% - Full refund

MBNA £780 (incl. 8%) - full refund

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You need to open your own thread cbd, cos this is for success only. But IF the CCj figure includes PPI and IF it qualifies for reimbursement then I shoulda thought a PPI reclaim is on the cards as well as a challenge on the CCJ and any credit markers (since I suppose the account is in dispute). Might be wrong but at least check it out.

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Thanks Kenny. Technically, it is a success as PPI refund is from 3 loans, offered without any hiccups, just wanted to ask the question without creating clutter.

PPI reclaims:

RBS: Received stat interest on premiums - £2345, awaiting premiums refund (possible offset)

Blackhorse: Confirmed upheld, awaiting letter - circa £2k

 

Charges reclaimed:

Barclaycard £800 + 8% - Full refund

MBNA £780 (incl. 8%) - full refund

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Cheque received today from MBNA for Virgin Credit Card. Sent fishing letter in June (not sure I paid PPI) - next letter received 10.7.12 claim upheld then cheque received today. No breakdown included but I wont be complaining!!! Didnt have to fill in any questionnaire or give any reasons for mis-selling - Suited! Hubby gets new trainers at last ....:lol:

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another quick update .... post just arrived with letter from MBNA explaining amount of refund - interest etc.(got over £1000) Also a lovely letter from Barclays upholding on a very old loan and including a cheque for over £500 -- Short break to Blackpool just booked on't tinterweb !!

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After my successful claim with Tescos - http://www.consumeractiongroup.co.uk/forum/showthread.php?319622-Help-please-PPI-claim-and-tescos-***-SUCCESS-***

 

admittedly set against the arrears, but that is what I expected and knew would happen

 

I then found some paperwork indicating PPI on threel Barclay loans from 2001-2003 so sent in a questionaire for each one back in mid June.

 

today's post contained a letter upholding my claim, and included a fourth loan I knew nothing about. total refund of £4.2k and into my account since i still bank with Barclays.

 

I was expecting around the £2k mark (very roughly caclulated using what I had to hand) so more than happy with that result.

 

Thanks again to everyone on here who has helped me out and donation to the site on its way

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Just received cheque for £2k in interest from RBS, just waiting on the premiums :)

PPI reclaims:

RBS: Received stat interest on premiums - £2345, awaiting premiums refund (possible offset)

Blackhorse: Confirmed upheld, awaiting letter - circa £2k

 

Charges reclaimed:

Barclaycard £800 + 8% - Full refund

MBNA £780 (incl. 8%) - full refund

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  • 2 weeks later...

Hi ya... I managed to get 3k back from Lloyds. Did it myself using templates I downloaded. Before that though I did contact a PPI refund company which I did not use when I found out they take a big chunk out of it. The problem is since then I have been getting hundreds of text messages a month from loads of companies like these and also loan companies touting for business.

 

I have replied stop and rang up to request my details be taken off hundreds of times to no avail. I am self employed so I can't change my number as I have had it for 10 years or so and old customers often ring me back to do more work.

 

Has anyone got any ideas on what to do next. Thanks for any future help you may provide ..............

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tps

 

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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