Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • 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
        • Like

PPI Lloyds Tsb Over 6 years


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6185 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Can anyone tell me if you can claim back a missold PPI taken out in April 2001.

 

I do not have a copy of the agreement and it was paid up earlier, are Lloyds Tsb required to keep this information longer than 6 years, if so would I be able to request a copy of it for the details.

 

Any help would be very much appreciated.

Link to post
Share on other sites

Can anyone tell me if you can claim back a missold PPI taken out in April 2001.

 

I do not have a copy of the agreement and it was paid up earlier, are Lloyds Tsb required to keep this information longer than 6 years, if so would I be able to request a copy of it for the details.

 

Any help would be very much appreciated.

 

Hello cf1958,

 

In answer to your first question yes, you can claim back a mis-sold ppi taken out in April 2001.

 

The second question. I would presume that they will tell you that because it was so long ago and it was settled, they have no legal requirement to have it.

 

The 6 year rule, I believe refers to the limitation act, but you can start a claim anytime you suspect you were mis-sold the policy. I think:confused: Can you tell us when the loan sarted, how long it ran for and when it finished.

 

You need to read around the threads and gain valuable information regarding the different laws, acts, etc.

 

Do you have any information relating to the loan, account no, amount of loan, interest, ppi and interest applied. If so you can start the ball rolling:grin: Reclaiming mis-sold ppi is the same process as the bank charges, prelim letter then letter before action. There are a few letters posted in the threads

 

If not sent a Subject Access Request under the data protection Act and give them 40days to comply. There will possibly be some information, re monthly payment of loan and ppi in some sort of breakdown.

 

Be warned that they will try to fobb you off, because if they don't they will have to return your mis-sold ppi, and I really don't think that they will want to do that:lol:

 

I have been sucessful with a claim back in 2001 for mis-sold ppi. They refunded the whole premium and interest, and over £2,000 interest from 2001. I had to keep at them, but in the end they gave it back.

 

If you need help advice or info, just ask: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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...