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.

Query about old HFC/Beneficial Finance Loan with PPI ** SUCCESS **

Foebane72

By Foebane72
in HFC (Household)

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4314 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

ims21

ims21

Posted
Posted
One thing though, Ims, is that I'm not sure if I should have made a copy of the questionnaire, spreadsheets and covering letter I sent off to the bank originally, as it turns out my original files have been damaged or were never saved. Can I ask the bank for a copy of the PPI claim info I sent or does it actually matter now?

 

If you are happy with the amount offered then you don't need the papers although it is always a good discipline to keep copies for future reference

 

Also, I don't really want to hold onto all the old data on printed sheets that the HFC bank sent me so I could make the claim in the first place. Should I wait until all my debts with HFC are paid off before disposing of them (by fire, preferably)?

 

If it were me I'd hang on to them because if you have cause to SAR them again you may not end up with the stuff you have now.

 

ims

 

Link to post
Share on other sites
  • Replies 68
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

dx100uk

dx100uk

Posted
Posted

time to scan them all to a multipage pdf

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

freind relative work?

 

someone must have a autosheet feeder scanner.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • 2 weeks later...
Foebane72

Foebane72

Posted
  • Author
Posted

When the PPI claim offer letter came, I signed the right forms and sent them back as soon as I could, but how will I know that they've reduced the amount? I only get a statement from them once a year!

 

I asked them to reduce the debt as much as possible, and I also asked them to reduce the monthly payments to something like £16-17 instead of £30 - but can a Direct Debit be altered, or will there be a new one set up and I have to remove the old one?

 

Put basically, will I get a letter stating the new repayment schedule, complete with updated statement, or is it up to me to call them?

 

I don't even know if the signed forms were returned to them, I never sent it Recorded Delivery or anything. I'm sure I wrote down the return address correctly, though.

 

And would it really take up to 28 days to process, as they claim?

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

i've known them to take 3mts!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
Foebane72

Foebane72

Posted
  • Author
Posted

Well, I checked my DDs on my Barclays online banking, and it says it's still £30 per month.

 

Is there a (preferably) free number I can contact HFC Bank on to find out my balance, or even order a statement?

Link to post
Share on other sites
Foebane72

Foebane72

Posted
  • Author
Posted

I contacted the number on the site, they gave me a PPI number to call instead, and that lot told me that it would take 28 days as stated, including an extra 5 for something else, but that it would be taken off the account (but only about £860, I thought it was going to be £1200 judging by the forms I filled in).

 

They assure me the payments will be reduced to £15-16, but I don't see how any bank can alter an existing Direct Debit...?

Link to post
Share on other sites
Foebane72

Foebane72

Posted
  • Author
Posted

I've just received a settlement statement in the mail, meaning I have to pay back £1830 by the 6th September this year.

 

But I never ASKED for a settlement statement, only an ordinary balance statement.

 

What do I do now? Just ignore this statement and continue the repayments as always, or do I have to contact HFC Bank again?

Link to post
Share on other sites
Foebane72

Foebane72

Posted
  • Author
Posted

It's OK, IMS, I called them and they said it was just a statement, not a request for payment. I can ignore it if I want.

 

In any case, a repayment for the loan was taken out of my bank account last night, and it was the PPI readjusted repayment of £15-16 rather than £30. So that means that the PPI has indeed been successful.

 

What's more, my annual statement is due soon, and I requested it once the PPI claim was "applied", so I'll know for sure what my readjusted loan repayments will be.

Link to post
Share on other sites
Foebane72

Foebane72

Posted
  • Author
Posted

Well, I'll let you know when the statement comes, what the new remaining loan amount will be, I'm not quite sure what it will be - I said it could be down to around £600 left, but I've been told it may be more like just under £1000.

Link to post
Share on other sites
  • 2 weeks later...
Foebane72

Foebane72

Posted
  • Author
Posted

Ims21, the statement came yesterday, and the amount I owe has been revised from £1830 to just £906 !

 

The monthly repayment reduction is also on there, and so I think you can consider this a successful PPI claim.

 

Thank you for your help and advice! :-D

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

hey well done!!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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...