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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Reclaim Egg Card PPI


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Hi Everyone,

 

Anyone had success in claiming back the "Repayment Protector" on their Egg Card?

 

We took out a Egg Credit Card in 2003, and transferred over £15000 into it with the 9 months 0% offer, PPI adds upto approx. £4000.

 

I always thought the PPI thing was a standard charge they apply to all credit cards but after reading here, it seems we can claim this back, am i right?

 

Thanks.

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This was Egg Customer Service reply to my email, have we not got a chance to reclaim:

 

------------------------------------------------------------------

I've looked into your Egg Card account and I can see that when you applied for your Egg Card you requested to take Card Repayment Protection.

 

Repayment protection covers you against accident and sickness which prevents you from working or unemployment. After a waiting period of 30 days, it could pay off 10% of your outstanding balance each month, from the date your claim commences, for up to 12 months or until you return to work whichever is the earlier. It costs 79p per each £100.00 of your statement balance.

 

To order paper statements for your Egg Card, we charge £2 per paper statement up to a maximum of £10 per request to cover the additional expenses in producing a paper statement for our Internet card.

 

If you'd like to have any paper statements sent out to you, please send another message confirming the date range you require and that you accept the charge. Which will be applied to your Egg Card.

 

I've also requested that a signed copy of your Egg Card agreement will be sent to you.

------------------------------------------------------------

 

What do you think?

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Just reply and ask for a copy of your request to have the ppi added.

 

He is telling you, you asked for it, now ask him to show you the proof, if he can then no, if he cant, then yes.

 

Look in the PPI forum im just starting against PPI on an egg loan i defaulted on after 3 months, never got a penny back.............

 

 

Will soon tho :)

 

Well hopefully lol

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This is the latest reply i got from them:

 

----------------------------------------------

Card repayment protection was added to your Egg Card on 11th December 2003 when you accepted the credit card agreement.

 

I'm unable to send you written proof of this as stated in the Paperless Dealing Agreement. Please copy and paste the link below onto your web address bar for further details;

 

new.egg.com/visitor/0,,3_11089--View_1081,00.html

 

I'm also unable to send this secure message to any other email address for security purposes.

 

Please therefore accept this secure message as confirmation.

----------------------------------------------

 

What do you think, have i got a chance to reclaim the PPI?

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I've also requested that a signed copy of your Egg Card agreement will be sent to you.

 

BY no means am i a legel eagle, only know from what ive read on these here forums :)

 

 

Have you received the copy of your agreement yet?

 

Did you take you card out on Dec 11 2003?

 

Surely they would have to provide something to show the judge in any court case?

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thanks for your help wednesday1867!

 

Received the agreement today. Only 2 pages though and no mention of PPI at all! I signed and sent the agreement back on 10/12/03. Have asked for the full agreement and awaiting response.

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has anyone had experience of this situation before, what should i do if they can't produce evidence of me agreeing to the ppi?

 

do i have to prove that i never agreed or does Egg have to prove that i did?

 

Hiya Jimmy,

 

Got your message:D I am not a toughie, just god damn determined to get what I have been tricked out of:D

 

Reclaiming back your ppi is not difficult, but you have to play the game of denial. They will deny everything, but if you persist, they will soon realise that you are like a dog with a bone and will not give up. They will possibly do the right thing, and refund it, but you may have to issue a court claim.

 

First things first, you need to get all of the info that you need, so sent a S.A.R - (Subject Access Request) under the data protection Act. I will cost you no more than £10 and is money well spent. With the SAR they have to send you everything, and I mean everything. They will probably just send a little bit and then you have to ask again.

 

I see that you have received your credit agreement and there is no mention of ppi applied.:D Was it a credit card and can you post it to the site or pm me a copy of the agreement, if you can delete anything confidential . It would interesting to see it.:D

 

If you need help with letters etc or have any more questions please ask:D Just don't give up

 

Ooops sorry forgot to mention start a new thread on the ppi forum so I can keep an eye on your progress

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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Sorry, I blame the wine!!!

 

Hello,

 

I am shocked drinking wine at this time.:shock:

 

Not really just jealous:D

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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