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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 
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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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    • 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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Payday Express Assigning Loan


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I was wondering if anyone may have any thoughts on this email i have just received from Payday express.

 

We are writing to inform you that Express Finance (Bromley) Ltd. (trading as "Payday Express") has transferred all of its business to another company within our group, Instant Cash Loans Limited, with effect from 28th February 2015. Instant Cash Loans Limited is a company registered in England with Registration Number 02685515; with its registered office is at 6 Bevis Marks, London EC3A 7BA and it is authorised and regulated by the Financial Conduct Authority.

 

As part of this business transfer, your Loan has also been transferred with effect from that date. The transfer of your loan is known in legal terms as an assignment. The terms of your Loan have not changed and, for the avoidance of doubt, you will not be charged any fee as a result of this transfer.

 

At the moment I am Paying them £1 per month. payment already assigned for 1st March.

 

thanks for looking

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Keep paying, but update the bank account. It's still the same company. Theyre just using a different name legally now.

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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That's interesting as I am sure they weren't at one time. Payday express was part of express finance Bromley whereas payday uk was of MEM consumer finance. If they were together I certainly have them for irresponsible lending

Any opinion I give is from personal experience .

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DFG (the money shop & payday express) bought payday uk in 2011. I was told by the ombudsman that although these 3 lenders are owned by the same group they trade individually. So I'm guessing any complaint will be dealt with as if they are all seperate companies.

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