Sarnie

Of course they wouldn't pay out if your circumstances have changed and you've not informed them, why would they? But then you think it's ok the claim back £4.5k of premiums that you paid even though you admit that you wasn't mis-sold and it wasn't their fault. No wonder the country is on it's arse.

But why did they send you the cheque? If you took the PPI out on the basis that you were employed and then you changed to Self employed, why would they refund your £4.5k? To be fair mate this is what I'm on about.........sold in good faith, probably didnt inform them of change in circumstances but ultimately its cheaper to write a cheque and kill the issue than it is to argue back and forth or risk FSA bumming for not completing the redress properly. This is my point exactly. I'm all for people getting their money back when they were mis-sold, but in this case he hasn't been. From the information given it seems that he changed to SE and kept paying the PPI. Then sent a letter stating that he had changed to SE and that the PPI he had paid for wouldn't have paid out because it was for an employed person......doesn't sound like the banks fault to me.

But why did they send you the cheque? If you took the PPI out on the basis that you were employed and then you changed to Self employed, why would they refund your £4.5k?

This doesn't make sense to me.......

The biggest target of these claims are for block PPI policies that were taken out with mortgages. What would happen would be that the monthly premium would be calculated over a 5 year period. So if the PPI for a client was £30 a month, the dodgy mortgage advisors that were around in those days (not me I promise ) would talk the customer into purchasing the five years of cover upfront. So £30 x 60 = £1,800 would be purchased by the client. Now, most people don't have £1800 to purchase insurance in advance so the broker would suggest borrowing it on top of the mortgage. So £1,800 would be added to the mortgage, upon which they would be paying interest on for the term of the mortgage The commissions to the advisors was huge, mainly because the policy could not be cancelled as it had been purchased in advance, so PPI mortgage sales were rife. The main problems came from the fact that most of the time the advisors would ignore the fact that the PPI was for employed applicants, even though the client was self employed meaning the policy would never pay out. Also, most clients thought the cover was for the life of the mortgage not just fives years. Fortunately, PPI never sat right for me and I avoided providing my clients with it at the time, which I'm glad of now

Thinking about it, it can't have anything to do with the import date, as if it's an MY07 car then it has to have been imported after the March 2006 tax cut off. Therefore it can only be how the car has been registered with the DVLA etc.........

Should you have not checked this before you bought the car? Post some pics of your car and we'll tell you what it does/doesn't have........................

What date was it imported?

Number 125 looking poorly; http://www.ebay.co.uk/itm/NISSAN-370Z-B ... 4d041a622f

I'm sure coloured wheels look ace at McDonalds drive thru meets.........................

Not old but orange Volks might look decent on a slammed white 370 on Miami beach. But, not in rainy old pot-holed UK.

Not white. Not orange. Not green. Not blue. Not yellow. Anthracite or Diamond Black. Those are your choices if you want to keep it tasteful. Don't turn a set of Volks in to a set of Rota's

'Robots in Disguise'

Jay, what are you doing to those poor Volks?!?!?!!?!?

They will be 'stuck' in your outbox untill it is read by the recipient

Nothing like a bit of Money Laundering

Each parent will have their own IHT threshold, which as long as they don't exceed you shouldn't have to pay any IHT, depending on the figures were talking about here. However, if they die within 7 years of giving you the money, it could complicate matters. You need to seek out a specialist IFA.

Two B's?????? Sloppy......

No it's not; WAKE UP AT THE BACK PLEASE!

E46 M3 Just put diesel in it

Yep, the £ Vs the Yen saw to that. The only benefit to importing an R35 was to get it sooner as the JDM cars came out a lott earlier than the UK cars.