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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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Wonga taking more than agreed


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Hey all,

 

Basically, I took a Wonga loan out a while ago and thought it was paid back successfully however I started getting notices through that it hadn't. The original amount I took out was £150, 80 days later they are asking for £650 which I didn't have. So I phoned them up, explained the situation and we came to an agreement that I will pay back £100 this month, then £220 the next two months. Bringing the total repayment amount to £540.

 

This was still extortionate but I preferred the idea of just getting it behind me. I double checked we agreed on £100 and got him to confirm.

 

A few days later, they took £100 from my bank account in one charge then another £130 on the same day? Can they do this and leave me in financial issues after we came to an agreement? (foolishly not in writing it seems).

 

I'm temted to phone them on Monday (of course they don't operate good Friday, nor the weekend =/) and tell them that as they took a different amount than we agreed upon and that it was over the original loan amount that the matter is considered settled? Do you think this has any chance of working? :)

 

Any advice is appreciated - it's not that they took more than they should, it's the fact they took more than agreed and left me unable to pay some other bills this month which they were fully aware it would do.

 

Thank you!

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Ok, forget about phoning them log on to here

FLA :: Consumer finance :: Consumer complaints

 

make a complaint telling them your story. Point out that they have left you within not enough money to cover "essential living costs" which contradicts the FLA lending code.

 

Did the letters come from Chainey, D'amato and Shannon?

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While ever Wonga have your card number they will dip into your account any time you feel like it. People have had their accounts cleared out by them in one day. Report your card damaged to the bank and ask for another one - that's the only way to stop them. You can then arrange to send them payments by post or by standing order.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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EBOY: Thank you, I think I'll do that! Yes those letters did indeed come, up until the letter before action they sent me.

 

Ell-enn: That will be a big inconvenience, is there nothing else that can be done to prevent them dipping into my account? My bank advised me that after contacting the company I can fill out a Visa dispute form but I'm not sure that'll get anywhere.

 

 

Thanks for the replies!

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  • 3 years later...

I've been having a similar issue to this with payday express they have been chasing money off me by phoning my work place ever few days although the debt was officially cleared over 2 weeks ago now, i no this is an old thread but I'm just going to say what ever the OFT have been doing over the past years has not stopped, payday express or wonga from carrying on with their ways.

Edited by Ceri Thomas
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