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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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.

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    • A2Dominion - Housing Association property flooding - damning ombudsman report

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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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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

broke dave v HFC (Beneficial)

broke dave
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broke dave

broke dave

Posted
Posted

Hi all,

 

I'm back! Been a bit slow on this one, but now taking on HFC for PPI refund. Initial letter resulted in PPI being cancelled and an enquiry started:rolleyes: . No joy so far and they have another 3 weeks to sort something out. They seem to be having difficulty finding the paperwork;) . Having read a number of threads on here it looks as though I am in for quite a fight. No worries, I took on LTSB and won; so quite looking forward to being an active member again.

It's great to be back amongst like minded people - let battle commence :D

 

bd.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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broke dave

broke dave

Posted
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Posted

Alan,

 

1. I am self employed (and have been for nearly 8 years)

2. Every phone call I have received has referred to me being 'employed' by '______'. To which I have replied that's me!

3. The bank account is named 'broke dave T/A _____'; a sure sign that it is a sole trader account.

4. The box about the nature of my hobbies make me at a higher risk of injury has been ticked (I play golf and walk my dog!)

5. Due to the nature of my job (I'm a fitness consultant), I am at a high risk of injury!

 

Do I need to go on? Have I missed something?

 

bd.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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broke dave

broke dave

Posted
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Accident/sickness claims are only allowed if it is shown that you are not receiving any income from your business. So, if I am off sick and for instance I charge £50 per hour, I could ask you to cover my appointments for £25 per hour. I am still then earning £25 per hour myself. Even if this is for just a couple of hours to honour agreements, I am not covered.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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ReasonableRon

ReasonableRon

Posted
Posted
Accident/sickness claims are only allowed if it is shown that you are not receiving any income from your business. So, if I am off sick and for instance I charge £50 per hour, I could ask you to cover my appointments for £25 per hour. I am still then earning £25 per hour myself. Even if this is for just a couple of hours to honour agreements, I am not covered.

I know there must be differences between policies, but I thought an accident/sickness claim only needed certifying by the medical profession i.e. if unable to work then a claim can be made - makes no difference what other income you may have.

 

I've just checked this on my own PPI policy on my mortgage (which I asked for and it's good value IMO.....you wouldn't want my mortgage payments !!:eek:) and that's pretty much what it says.

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hellhasnofury

hellhasnofury

Posted
Posted

Policies differ from company to company, you need to read the terms and conditions of your policy. (if they ever sent them). Which many don't:rolleyes:

 

There are some good ppi policies out there, and it is great if you are fortunate to be able to claim on them.

 

Many financial companies have preyed on the ignorant and have blatantly taken advantage of their customers, especially those who have had the misfortune to be desperate for a loan. Some customers don't even know the have it, till they start to investigate. Really good selling techniques there:rolleyes:

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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Hopeful1

Hopeful1

Posted
Posted

Sometimes with policies they say they cover certain circumstances, but the restrictions make it nigh on impossible to claim anyway.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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tonycee

tonycee

Posted
Posted
you need to read the terms and conditions of your policy. (if they ever sent them). Which many don't

 

Have been asking for a copy for since 13 August.

Why wont they sent me one. ????????????????????????????? lol :lol: :lol:

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.

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