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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Offer from Quickquid ** Accepted and Refund now in Bank ** :)


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Hi Everyone

 

 

Good news regarding my complaint against Quickquid. I referred it to the Ombudsman after receiving their standard response they did all the necessary checks etc, etc. I loaned from them constantly from Dec 2008 to Sept 2013 when I requested a repayment plan. Had a call from my adjudicator at the Ombudsman to say Quickquid are willing to refund all interest paid from October 2010. Just waiting for her to confirm the figure. My initial loans were fairly small so I can accept they were affordable but from 2010 onwards the amounts escalated each month. If their figure is anywhere near mine then I will probably accept it.

This is the last payday loan company I have a complaint against. Had a 100% record against the 10 claims I made and am happy to say have been debt free for 2 years.

 

 

Just want to give encouragement to others just starting their claims, its a long process but keep at it, it will be worth it in the end.

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Excellent news JEC1965, well done. Once you have accepted what they are offering the title can be changed to show your success.

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Had an e-mail from adjudicator confirming the figure Quickquid have offered which is roughly what I worked it out to be so I have accepted. Just waiting for Quickquid to confirm transfer, not sure how long they take. Ombudsman say they have 28 days.

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Payment received from Quickquid on Saturday. Sent it in 7 different payments. That's me finished with payday loan companies forever. Reclaimed a lot of the interest I paid over the 5 years I used them. Doesn't compensate for the 5 years of hell I suffered but my life is back on track. Good luck to everyone currently claiming, stick at it. Its a long process but worth it in the end.

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Excellent news, I will amend your thread title to reflect this.

 

Strange they should make it in 7 payments though, is this because it was 7 loans they were refunding on ?

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Excellent news, I will amend your thread title to reflect this.

 

Strange they should make it in 7 payments though, is this because it was 7 loans they were refunding on ?

 

Thanks Citizenb.

I had a lot more than 7 loans so don't know, they were random amounts. Just glad I got it and its all over.

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Hi JEC, well done!!

 

 

Could I ask how long it took and what info the Ombudsman asked from you? I just spoke to the adjudicator today so wondered roughly how long before you got an offer?

 

 

The amount I'm looking at is in the thousands and just wondered if that would drag things out.

 

 

Thanks in advance.

 

 

Mx

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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Hi JEC, well done!!

 

 

Could I ask how long it took and what info the Ombudsman asked from you? I just spoke to the adjudicator today so wondered roughly how long before you got an offer?

 

 

The amount I'm looking at is in the thousands and just wondered if that would drag things out.

 

 

Thanks in advance.

 

 

Mx

 

Hi

 

I sent my complaint to the Ombudsnan in November. The adjudicator asked for a copy of my credit report. It was about a month after that she contacted me to say Quickquid had made an offer. Reading other threads Quickquid generally seem to make an offer once the adjudicator gets involved if you have a valid complaint. I received just over 4k so don't think the amount will delay things.

 

Good luck, shouldn't be too much longer now you have had contact from.the adjudicator.

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Hi

 

I sent my complaint to the Ombudsnan in November. The adjudicator asked for a copy of my credit report. It was about a month after that she contacted me to say Quickquid had made an offer. Reading other threads Quickquid generally seem to make an offer once the adjudicator gets involved if you have a valid complaint. I received just over 4k so don't think the amount will delay things.

 

Good luck, shouldn't be too much longer now you have had contact from.the adjudicator.

 

Thanks for the reply... If I get all mine back I've calculated 13k with interest!!!

I'll be surprised if I get that as an offer...

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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  • 3 months later...

Hi,

Unsure if this thread is still running or if anyone actually still posts on here? Do you mind me asking, did they email you prior to giving you your refund? Reason I ask is because….they offered to refund me ‘some’ of my charges, so I asked FOS to investigate, the adjudicator ruled that ‘all’ interest should be refunded, QQ were unwilling so it has gone to ombudsman. This process has already taken over 3 weeks (when I told it would take 2-3 weeks maximum), so I have asked my adjudicator to tell QQ I will now accept what they offered. This was on Tuesday, it is now Friday & QQ have not been in contact. Adjudicator isn’t being that helpful either L I look forward to any help. Thanks

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Why would you want to accept an offer that you had previously rejected just because the Ombudsman has taken over 3 weeks! Some cases can take up to 2 years?

 

 

If the Adjudicator has already ruled that ALL interest should be refunded then that is what the company should be doing. Hold out there, I doubt the Ombudsman will let the PDL get away with it.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The adjudicator said that she would do the same as me. I wasn't asking for any opinion on my decision, I was just asking how long it would normally take for me to receive my refund. Thanks

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The adjudicator said that she would do the same as me. I wasn't asking for any opinion on my decision, I was just asking how long it would normally take for me to receive my refund. Thanks

 

 

Oh right, well if you look at other threads, then as regards to the Pay Day Loan companies they are coughing up reasonably quickly.. some of them. I suspect you might just have to wait and see. Not make any plans for the money.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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