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    • I'm a new victim of Junction City Cars so called dealership. I've bought a car from them, picked up the car from the address in Bradford /Shipley. Lots of issues with my purchase. Apparently they don't have a billing address. I've been to their address found on autotrader, it is the Andrew's Page shop in Leeds. The address in Dewsbury does not exist either, because the special delivery letter sent by us was returned back to me. They have no any traceable address or any address for correspondence. My advice to everyone who's been scammed by these  people to proceed with your investigation and complains to all the authorities possible,   starting with consumer rights(phone number 0345 404 0506), autotrader customer security (phone number 0330 303 9001) and even police or crimestoppers. Anyone wishing to buy a car from them please research first and don't believe any positive reviews they are all made up by 'Adam'.
    • I bought a car from an auction in Jan 2019 and the car engine fault light indicated there was a problem with the ABS. It went to an Audi Dealership for a diagnostic scan to identifying exactly the problems with this car.   One of them was a faulty ABS system which had the component, namely the ABS hydraulic pump identified as being faulty. Since then, this has been independently addressed by a non-Audi dealership but now a new fault code  was recorded that hadn’t been formerly discussed.   The code 01130 ‘Operation: Implausible signal’ declared itself and is related to the 45F2 ABS AUDI UK recall over a year ago. If put this to the dealership who did the diagnostic scan that previous campaigns that have now closed are looked at they will find that this is in fact an Audi recall fault and as such needs to be addressed courtesy of AUDI.   In fact, the same recall fault was listed as an item of charge. When I asked why the ECU had to be changed as well and told it was ‘because the ‘ECU is one and the same unit as the hydraulic pump and the two are replaced because of the way it is constructed’.   The matter has been raised with AUDI UK who tell me that having originally fixed the fault at the time of the initial recall on this car, the campaign open for 6 months was now closed and they wouldn’t be honouring the recall.   As AUDI pointed out when this fault was first identified, this was a serious safety issue and as such I informed the Trading Standards. They were satisfied that the safety issue had been addressed but had no redress as the campaign was now closed.   I was informed the 6 months was not set impartially but at the company’s discretion. They believed the Motor Ombudsman would resolve the issue.  This advice and the state of deadlock lead  me onto reporting it to the Motor Ombudsman but they flatly said they didn’t deal with recalls and ask Citizens Advice.    I feel that a safety recall on a fault is an issue indefinitely if it exists as the fault lies in the design and construction which is implied as the manufacturer foots the bill. How is it that after 6 months they are absolved of accountability? Is this negligence on behalf of Audi? I am not sure why the Trading Standards don’t see this as an issue apart from it being a ‘legal matter’.    What advice would you give me on going forward? 
    • Hi TP,   The good news is - You don't have to prove anything !   You've already explained your position to Harlands and need do or say any more.   Just ignore them.
    • Unfortunately I had a nervous breakdown and signed off work. Placed on heavy medication and had to deal with a repossession order and other debts therefore this wasn’t a priority at the time and there’s only so much you can expect others to do on your behalf.    I am not quite sure how to proceed other than point out the points we’ve discussed with the creditor and if they refuse to cooperate instruct a solicitor though I gave to keep that cost to the minimum.    I appreciate your assistance. 
    • Hi    Another point i have noticed on Page 2 of the JK1 exhibit, the marketing box is 'unticked'.  As a rule of thumb if i apply or do anything online i always tick the box for no junk mail! This form is definitely fabricated by them and is not the original.    
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gizmo111

PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.

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MrShed v Halifax Card Services - WON

 

Full refund coming my way for all PPI payments since August 2003, and interest.

 

Congradulations and well done Mr Shed:D

  • Haha 1

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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Hi All

 

Its been a long battle but have finally won. Cash is now in my account and well on the way to being spent

 

http://www.consumeractiongroup.co.uk/forum/ppi/46496-hhmmmm-very-interesting.html

 

 

well happy

 

skb


Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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Hi All

 

Its been a long battle but have finally won. Cash is now in my account and well on the way to being spent

 

http://www.consumeractiongroup.co.uk/forum/ppi/46496-hhmmmm-very-interesting.html

 

 

well happy

 

skb

 

Hi everyone,

 

I am new to this type of claim and know I was missold. What is the best procedure and templates for starting off a claim.

 

Thanks to all

 

Determind

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Hi everyone,

 

I am new to this type of claim and know I was missold. What is the best procedure and templates for starting off a claim.

 

Thanks to all

 

Determind

 

Hi Detemind

 

If you start by having a read through this which contains guidance and templates on your first moves. If you then start a thread detailing which financial bandits your up against, how much the loan was for, interests rates etc then you get answers to any questions/problems that arise :roll:

 

skb


Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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Hi guys. i wanted to know if anyone has dealing with HFC?

 

I had a loan with them for £7800 and ended up with a total of 11800 after the PPI. When I was made redundant I managed to get a job asap and moved on but fell into difficulty some months later. the bill is now paid and i need to know if i can reclaim the PPI I paid on that loan?


HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too:cool: 2008

RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006:D

Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008 :-x

Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06:x Settled Nov 2006 :D

CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006:D

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Oh, i also have the original contract i signed with HFC at the time detailing all the information including the true cost of the loan + PPI. The debt is not quite paid off just yet (nearly there) but is being managed by a third party. I'm down to the last 1500 but i strongly believe that this is just the PPI that's left.

As i have all the details, do i need to send an SAR or do i just kindly asked for the money to be returned


HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too:cool: 2008

RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006:D

Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008 :-x

Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06:x Settled Nov 2006 :D

CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006:D

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Oh, i also have the original contract i signed with HFC at the time detailing all the information including the true cost of the loan + PPI. The debt is not quite paid off just yet (nearly there) but is being managed by a third party. I'm down to the last 1500 but i strongly believe that this is just the PPI that's left.

As i have all the details, do i need to send an S.A.R - (Subject Access Request) or do i just kindly asked for the money to be returned

 

Hello Zzed,

 

Please start your own personal thread in the ppi forum, Your posts will not be seen as this is the successful claims thread.

 

 

Its up to you whether you send for the SAR or just work with the figures that you have. Is the ppi still running? If it has been cancelled they would have rebated the ppi and interest off the loan balance, wtherefore reducing the balance of the loan and affecting the amount that you reclaim back.

 

If you send the SAR, you may get more information regarding the breakdown of the ppi, applied interest and the rebates.

 

With watch out for your new thread


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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£7k PPI reclaimed on a Barclays loan.

 

Barclays initially refused a refund on the grounds that the claimant was employed as a 'home maker'. Of course this was utterly ridiculous and they repaid after the LBA.

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£7k PPI reclaimed on a Barclays loan.

 

Barclays initially refused a refund on the grounds that the claimant was employed as a 'home maker'. Of course this was utterly ridiculous and they repaid after the LBA.

 

Excellent news:D

 

A Home maker, did the claimant build houses, nearly choking on my tea, laughing at that comment barclays made. They were desperate weren't they.


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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I would reccomend anyone reading this thread to follow the link to the petition set up to raise awareness of the overpriced selling on PPi, with loan agreements.

 

Petition to: Prohibit loan companies from selling payment protection insurance with credit agreements.

 

spread the word, too many perople are being steered towards taking overproced ppi, in spite of the FSA's efforts to regulate the industry

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Will now post in the correct forum. Have had success with HSBC claimed back £2300.00 in PPI, quite easily I have to say. Good luck to everyone else. Full story on my original post. Happy Happy.

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Heathermc v Lloyds ****WON****

I was claiming on behalf of my husband who has a loan with Lloyds. He was told he would not get the loan without taking the insurance even though he didn't need it. He has been paying it for a year now and the refund of £628 will be in his account by Wednesday. They didn't even put up a fight.

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Sent standard letter to Egg for PPI insurance claim in Oct. The loan taken out Jan 05 £5000 over 48 months loan protection £959.80. The letter says We have attempted to retrieve the call when you were offered PPI , unfortunately the tape has been corrupted and we have been unable to listen to this. Therefore a business decision has been taken to refund the PPI with interest as a gesture of goodwill without admission of liability. Please find enclosed a cheque for £324.75 this being the remaining premium of £292.83 plus interest of £31.92. Sent 2nd letter saying i would accept the cheque as part settlement but unless they could prove to me that it wasnt missold i wanted a full refund plus interest, received a letter yesterday offering me the full amount of the policy plus interest.

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Hi,

 

I received a cheque yesterday off MBNA for full refund of all PPI payments plus interest on my Alliance and Leicester credit card.

 

I was only working 15 hours per week when I took out the card and still am so I sent first letter off in August and after a few months wait and a few phone calls they finally paid up.

 

Here is my thread:

 

Mbna/a&l Ppi ** Won **

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Empire Strikes Back v Egg - WON

 

Hi, I have gone after Egg for PPI refund ... how easy was it or not for u?

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I involved the Financial Ombudsman after getting nowhere with the Coop Bank. I contacted them in October and received a confirmation of misselling last week. They said I had reached 65 ..and it should not have been sold to me. I am now awaiting a cheque for 2 years premiums plus interest.Result!!!!! I had provided medical evidence to the F.O. Iam now going to claim 2 earlier loans back on medical pre existing conditions.:D :D

Iwould like to thank everyone on the site for the encouragement and support, I can't believe I have been able to get so far and to win:)

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I involved the Financial Ombudsman after getting nowhere with the Coop Bank. I contacted them in October and received a confirmation of misselling of PPI last week. They said I had reached 65 ..and it should not have been sold to me. I am now awaiting a cheque for 2 years premiums plus interest.Result!!!!! I had also provided medical evidence to the F.O. which I shall refer to regarding the earlier PPIs. I intend to claim 2 earlier loans back on medical pre existing conditions.:D :D

Iwould like to thank everyone on the site for the encouragement and support, I can't believe I have been able to get so far and to win:)

Pinada golf lady x

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Welldone.gif?t=1197445044

 

 

It gives hope to the rest of us....


.

 

 

 

I Wish you everything you wish yourself.

 

.

 

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

 

 

 

 

[sIGPIC][/sIGPIC]

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Been claiming back from Blackhorse. 3 accounts, the first one I tried to cancel after 3 months and they said bogoff, I then sent the a copy of the cancellation request and their bogoff letter (which they kindly included in my SAR) and got a call yesterday saying they will refund everything from the date of my letter (Jan 2000) to settlement in 2004 at Contractual interest rate and then 8% from then on. I have now calculated the refund (and faxed my figures to them), it is for well over £5000 and worked it out using the CI through the loan and then CI through the loan I took with them to settle the first loan and then CI through the loan I took with them to settle the second loan and then CI through the loan I took with them to settle the third loan and then 8% for the remainder (all these CI added £800 to the total.

 

My advice is to do the SAR and check everything very carefully, then just keep at them.

 

I am off to raise the N1 for the other 2 accounts.

 

good Luck

 

I am still going ahead with the other 2 accounts as Mrs DM is self employed and they would never have paid out.


If I have helped click my scales....

 

Find my threads by clicking here

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Great result debt mountain.

Im really pleased for you, and so hopeful for myself and others.


.

 

 

 

I Wish you everything you wish yourself.

 

.

 

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

 

 

 

 

[sIGPIC][/sIGPIC]

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Quick Update ..

 

Took on Abbey on behalf of a friend.. Settled in Full plus around £150 extra.. Gesture of Goodwill again..lol

 

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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I love these happy endings, I would love to be a fly on the wall at some high level bank meetings where they are trying to get to grips with all these claims and they will also be trying to predict what is the next area the big bad consumer will find to get them with.

 

well done you and your friend, hope they buy you a nice bottle of Champers.


If I have helped click my scales....

 

Find my threads by clicking here

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Well NatWest have settled. After sending an LBA they paid out the full PPI amount and the intrest applied to the PPI but not the statutory 8%. I probably should have pursued it, but I just was happy with £7000 for the cost of a few stamps! Of course they didn't admit any wrongdoing and it was only a gesture of goodwill!!

 

Thanks to everybody who helped me out, especially hellhasnofury. :-)

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Well NatWest have settled. After sending an LBA they paid out the full PPI amount and the intrest applied to the PPI but not the statutory 8%. I probably should have pursued it, but I just was happy with £7000 for the cost of a few stamps! Of course they didn't admit any wrongdoing and it was only a gesture of goodwill!!

 

Thanks to everybody who helped me out, especially hellhasnofury. :-)

 

Hi, Congrats on your news ... excellent stuff!:)

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Hi, I have gone after Egg for PPI refund ... how easy was it or not for u?

 

RESULT ...!! :)

 

Egg have almost fully coughed up my PPI claim .... just a few quid shy of 1k ... have paid £889 ... but I will go after the rest, which includes 8% (of which the court will award) added on.

 

Bottom line (imho) do not let this go .... THESE FUNDS ARE YOURS!

 

Onwards & Upwards

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