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


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • 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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

EGG Loan

Talbot

By Talbot
in Egg

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4084 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

Talbot

Talbot

Posted
Posted

Hi,

 

I am new to this site, I have an egg loan but i requested not to have PPI how do I find out if they have built it in to the agreement. Also are PPIs restricted to loans or are they built in to credit cards? cheers

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

pinknico

pinknico

Posted
Posted

You can either ask for a copy of your agreement from Egg enclosing £1 or send a full SAR request enclosing £10 and they should send you all the information they hold about you and the loan.

 

PPI can also be on credit cards.

Any opinion I give is my own and given without

any liability.

Link to post
Share on other sites
alanalana

alanalana

Posted
Posted

Hello Talbot welcome to the PPI forum,

 

I am new to this site, I have an egg loan but i requested not to have PPI how do I find out if they have built it in to the agreement. Also are PPIs restricted to loans or are they built in to credit cards? cheers

 

On the good advice of Pinknico you need to gather the information they have on you and your card/Loan.

 

Once you have this you can submit a claim for a refund if you believe you have a valid case.

 

Before you proceed Please have a look at the information provided and read a few threads that may help you get started.................... links

 

Lots of information i here some will help your claim and some will not please pick through it all it will take time but it will help you;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted

Hi Guys,

 

Done a little research on my paymnets, using a mortagage calculator online it seems my payments plus interest equates to the correct amount borrowed so it doesn't look like they have any hidden PPI's but I don't remember signing any forms for this loan. Is it worth pursuing based on the new laws on interent forms (taken out Feb 07)?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
alanalana

alanalana

Posted
Posted

Hello Talbot,

 

Hi Guys,

 

Done a little research on my paymnets, using a mortagage calculator online it seems my payments plus interest equates to the correct amount borrowed your payments plus interest could include PPI you are not aware of so it doesn't look like they have any hidden PPI's but I don't remember signing any forms for this loan. Is it worth pursuing based on the new laws on interent forms (taken out Feb 07)? I am not sure on this point.

 

I would still go down the route of sending a SAR if you do not have a copy of the Consumer Credit Agreement it could show any hidden figures on the PPI issue. You see in a lot of cases the PPI has been added to the Loan amount without the knowledge of the debtor and people are only discovering this years later.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted

Thanks for that never looked at it that way but why they add the PPI into the interest rate if I am happy to pay the interest i.e. if they charge me 10% interest and I am happy with that why would they do 8% plus 2% PPI?? Is it to cover there own backs??

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
  • 1 month later...
Talbot

Talbot

Posted
  • Author
Posted

After dealing with payplan I am sending out a standard can't afford more than £1 month please freeze interest etc to see what feedback I get from that. The usual I expect but can't get money were there is none:)

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
  • 3 weeks later...
Talbot

Talbot

Posted
  • Author
Posted

Had the usual replies, letter telling me my DD has been cancelled also e-mails directing me to the egg site with messages about payments not being made etc. Will be end of the month before i default on payment because too late to cancel the last one:mad:

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
  • 2 weeks later...
Talbot

Talbot

Posted
  • Author
Posted

ok i'm ready to pay them there first £1, can anyone suggest the best way to do it. Online it won't let you pay less than the agreed monthly payment. Shall i send a postal order and what letter can you suggest I send along with it?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
  • 2 weeks later...
Talbot

Talbot

Posted
  • Author
Posted

ok had a phone call yesterday and one today asking for payment. Caught me off guard if truth be told. Anyway last month I sent the £1 with an income and expenditure but I was late doing it so the payment came out of my bank. My question is should they have used that £1 for this month or is that not how it works. If not I will send a chq for £1 today then I know they have taken it.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted

sent the chq for £1, had another phonecall this evening. didn't even give them chance to talk just explained already been discussed sent letter etc not putting phone down 'no offence'.

 

Also they never ask any security questions. I will send off the harrassement letter this weekend.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted

another phonecall from egg, i was a little bit rude asked them if they are stupid and put phone down. Shall i send an harrassement letter

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted

can you put this thread in the egg section instead of PPI section. Cheers.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
alanalana

alanalana

Posted
Posted
can you put this thread in the egg section instead of PPI section. Cheers.

Moving your thread over to Egg now;)

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted
Did you ever find out if there was any PPI on your loan? Did you send for a copy of the agreement?

 

 

No i didn't do the SAR on this one, do you think i should. Suppose its worth £10?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted

the calls seem to have stopped, wonder whats in store next..can't wait

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted

ok update, received a letter stating they are prepared to accept £1.00 for the next 6 months which is a relief. they are also registering the arrears that will accrue on my account with theCredit Reference Agency. They are also issuing a default notice...

 

what does everyone think, are they being reasonable for once or lulling me into a false sense of security?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
Mightyacorn

Mightyacorn

Posted
Posted (edited)
ok update, received a letter stating they are prepared to accept £1.00 for the next 6 months which is a relief. they are also registering the arrears that will accrue on my account with theCredit Reference Agency. They are also issuing a default notice...

 

what does everyone think, are they being reasonable for once or lulling me into a false sense of security?

 

 

I don't see how they can accept your offer, and still register with DCA and send you a default notice. They either play ball or they don't. I would say that they are covering their backs, and not playing fair. If you did not pay at all, you would still be in the same situation. I am of the understanding, though no doubt someone will put me right, that when you come to agreement about repaying then that should be it. Particularly as you've kept them up to speed. It just goes to show that even when you're being coopertaive, they give you nothing.

Edited by Mightyacorn
update

MBNA Let Battle Commence - Discontinued

 

Howard Cohen Complaint to SRA

 

Howard Cohen oh dear

Link to post
Share on other sites
Talbot

Talbot

Posted
  • Author
Posted

never thought of it that way, is it something I can keep back ready for when we are all sorted one way or another anf then producing the letter to get the info removed from the credit reference agency?

 

it might not make too much difference if i have to go bankrupt anyway but justa thought?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...