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


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Please help!

 

First, I must confess to being a bit of an ostrich over this.

 

Last year I took out a minicredit loan. Same story as many on here. I applied for £100 and got £80 straight away because they took the other £20 in fast payment fees. Bloody cheek! I wasn't even given the option.

 

Then came the day of reckoning and I couldn't afford to pay it back (£127 at this point).

 

Then the emails and letters came threatening doorstep visits, for which they bumped the charges up by £100 each time. The visits never happened.

 

Within a few weeks the debt was standing at around £812.

 

I sought answers on this forum and duly sent emails to minicredit offering the original loan + 1 month's interest. I wrote roughly every other day for about a couple of weeks. I received no replies and didn't hear from them again.

 

So I buried my head in the sand once more.

 

Some time towards the end of last year (can't remember when exactly) I received a letter or 3 from Fredrickson's but ignored them. My head was well and truly in the sand by then.

 

Then I heard no more.

 

Within the last few weeks Opos have been in contact, both through email and in writing. The emails wanted me to phone them and I emailed back to say I didn't do phone calls and if they had anything to say to me they could put it in writing. The emails, btw, didn't say anything, just phone this number quoting this reference. Until the physical letter arrived through my letterbox I hadn't a clue who Opos were representing.

 

Since then I have received 2 more letters, the most recent one today and decided it was time to remove my head from the sand and deal with it.

 

Today's letter is the Final Notice of Intent, and they're threatening court action. I say bring it on, because how are they going to justify the charges and the way the debt has risen from £80 to £812?

 

I really need to deal with this now.

 

Please can someone suggest a course of action and what I should be saying to these scoundrels. Also are there any templates I should be using, for quoting the right sections of laws etc.?

 

Your help would be very much appreciated.

 

Thanks.

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Technically you can get around it by saying they never gave you the stated loan in full in the first place, and they took out administration charges that were never stated or agreed upon.

 

Don't worry about court action. These [EDIT] artists will never take you to court. They know that they would lose.

 

As for Opus, you might be keen to know that they are just Minicredit acting under another name under the guise of their own DCA.

 

Take a deep breath, relax, and have a look at some of the threads on this forum. There is some good information and will put your mind at ease.

 

As for doorstep collectors, send a letter by recorded delivery or email to OPus, stating the following " In reference to Account number : xxxxxxxx, i hereby withdraw all permission under common law for you or your representatives to set foot on any part of my property(s). Should this order be broken, you will be commiting trespass and further action will be taken including police attendance. Yours sincerely xxxxxxx "

 

Make sure you type the name and not sign it in pen. This will deal with the doorstep collector letters.

 

 

As i said, give the forum and related ones on this site a good read. There is some very useful information across this entire site that will take a lot of stress off your back.

Edited by ims21

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Keep to it. Minicredit/OPOS/DERS are the SAME company. It is why they and their kin are currently under investigation. File a complaint with OFT and FOS.

 

And make sure that EVERYTHING is communicated in writing. If they call you, you can answer, but make sure you clearly state that you are unwilling to converse on the call and any and all communication must be done in writing. Then hang up on them. Send them a letter to this effect to. If they continue to call, then add this to your complaint to the OFT and FOS. This will be classed as harassment.

 

Im not 100% sure either, maybe someone else can clarify, but when you start a dispute on the account then they have to suspend all interest and charges. They wont take it to a real DCA or county court as they know they wont have a leg to stand on, as they make up the charges as they go along. In this forum alone, there was a person who took out a £100 loan, and 10 days later it had rocketed to over £300.

 

The first experience i had with these idiots was with my sister, but after reading up on some things, its clear who has the most legal standing. yes, i got a few things wrong in a couple of posts on here, but a quick call to the national debtline soon gave some good advice.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Good luck! My sister has already paid off the initial loan plus almost a months interest. WE have the notarised bank statement to prove it. However, theyre still demanding over £1k in "interest and administration charges". Suffice to say that they will NEVER see that money.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I've contacted OPOS by email asking to pay what I owe but have been ignored.

 

They will ignore you. Thats why you need to keep as much written evidence as possible AND submit those complaints. They will try to contact you by phone or they will say they wont correspond in writing, but this is purely a scare tactic so they dont leave a trail that can be tracked by the investigating agencies.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for your replies. I didn't know Minicredit were also in the same camp as Opos. I'm sure I've received a letter in the dim distant past from Opos relating to another debt that isn't minicredit related. And Minicredit did pass on to Fredricksons first, before Opos.

 

Has anyone actucally had any experience of the next stage, which according to the letter is court action?

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Ignore it. They wont take you to court. They dont want a court to see the obscene and completely random charges that they add to your account. Stick to your guns with what has been said before. THat way, IF they ever do take you to court, you have a complete trail of what has happened, and a judge would side with you.

 

The letter that talks about taking you to court is simply a scare tactic as i mentioned previously. LOTS of companies/DCA's do this, not just loan companies.

 

If you get passed to fredricksons or Bryan carter, then scan this site, as there are a lot of ways to deal with them. Also note that when you make a complaint with the OFT, they usually contact minicredit, who will then get in touch with you to offer a very very reduced repayment offer.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 4 weeks later...

i have received a letter this morning from opos regarding my mini credit debt i owed 350 and now its gone up to £1170 i started a dmp with a company called back to credit as i took out more than 1 payday loan but i was really struggling with the payments so have changed to money debt credit and they have lowered my payment to nearly half,the thing im more worried about is that they are saying i havent paid nothing off my account when in reality 1 payment shud have got to themthe whole issue of owing what i do is really getting me down and i cant sleep at night so am on tablets,i fear knocks at the door in case its from a debt company any advice would be appreciated

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Dont let them worry you. They try everything they can to get you feeling like this so they can say and force you to do anything. As for them coming to your door, send them a simple letter saying you withdraw the right for them or their representatives to come, and if they ignore it, the police will be called for trespass and harassment/intimidation.

 

The first step to getting things under control is to get a level head about the situation. If you let them start dictating what you can and cant do, youll never get things sorted out. Remember, PDL's are the lowest priority debt you can think of. The absolute worse that can happen is that they get a CCJ on your credit file, and even then theyd have to go to court, where you can submit a defense and tell the judge exactly what theyve done and how its affected you. They cant just walk in and do what they like or take your things.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I think theres one on these forums. Click here

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 8 months later...

lol not to add any stress to anyone but a bit of friendly competition cant hurt, i loaned £100 from minicredit and now im on £1062 from opos debtboys

 

thing is the 80 i actually recieved £50 of it got swallowed by bank charges so in reality £35 landed me £1062 debt

 

 

All the best with your disputes,

 

Brian~

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Just had a call from DERS regarding my Minicredit loan. First it was Opos now these muppets!! Made out it had just been brought to his attention that my account was in default and that he was prepared to do me a big favour, even though he shouldnt be, and that he would accept £5 a fornight............there was a catch though......only on the provision that i gave them my debit card details!!! I said i didnt want to but i was more than happy to make alternative payment arrangements, pretty much as i had been doing so with Opos, making a direct payment into their account, but he said that he had to have my bank card details or no deal!!! I asked him for his contact details, which he gave, but he said that if i didnt agree there and then, then the offer to accept lower payments would be revoked and they will send someone round to my property!! What do i do? did i do right in refusing my bank card details?

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you shoud write them a letter stating they have no right to call at your property and all future contact should be made in writing

 

i saw a funny website, the guy sent a letter to deb collecters stating if they came to his property again they would be charged the full amount of the bill, he got a letter back saying the account had been passed back to the client

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