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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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Please, Please Help (MiniCredit)


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Dont worry about it. Your debt is not worth their time taking you court, plus they do not like the courts seeing the charges and interest they make people try to pay. Do not pay them anything or even contact them and in a month or two they will pass the debt to fredrickson's debt agengy (who by the way are very reasonable) and they will let you settle for a reduced fee or pay in affordable monthly installments whilst freezing the interest and charges. Trust me I speak from very recent experience, best of luck!

Tim

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All you owe Minicredit is the original loan and one months interest, nothing more. They like to huff and puff but you now have grounds to complain to the OFT and Trading Standards, if everyone who has problems with them complains then these authorities HAVE to do something

 

http://www.consumerdirect.gov.uk

http://www.tradingstandards.gov.uk

http://www.ripofftipoff.net (Trading Standards offshoot dealing with 'rogue' companies such as this lot)

 

Minicredit are way out of line with their threats and should they send you court papers you have a right to defend (it doesn't cost anything in most cases and I can draft up a defence destroying their particulars of claim. They haven't complied with ANY pre-court protocols which state an agreement should be reached before going to court, and the court would want to know why they are piling on charge on charge to an atrocious amount.

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To Be Fair I complained to them all and they all said they could not deal with personal cases, so I wouldnt expect help from them. Sillygirl what would you do in my case? Ive paid over the original debt plus months interest and debts still 755 but i have agreed 30 a month with debt collectors and they have frozen charges etc.. Is it worth just sticking with what I got?

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am in the same boat my £100 payday loan is now standing at £600 even thought the same month i got it i lost my job and sent them an email explaining that i lost my job asking if i could pay in installments or put it on hold till i found a new job. Shock horror i got no reply- that was 3 months ago! now still unemployed and not liking it 1 bit! ive tried contacting them several times via email i dont want to speak to them via phone as the 1 time i did they were very rude and threating!i keep getting the same responce or they keep phoning me, the wont accept a payment plan and have give me 30 days to find £600 or they'll add another £100 to my total! i dont know what to do! they keep threating door step collection which am sure legaly they cant do till after a court hearing, also when i did speak to them i was disgusted at when i explained that am unemployed and also 8 months preg at the time i didnt need the stress. they didnt care just kept demanding there money!!!! A WARNING TO EVERYONE DO NOT USE THIS COMPANY!!!!!!!!!!!!

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This is the latest email ive had off them its the same email ive had 3 times now........

We accept partly payments You make on Your MiniCredit.co.uk account, but we do not offer payment plans and freeze the balance.

 

All payments have to be made by a debit card according to the Loan Agreement. The possibility to make payments using a different debit card once only is provided on Your MiniCredit.co.uk account.

 

We will postpone the visit of the doorstep collector (each visit costs £100) for another 30 days and so on after every partly payment, but the loan should be cleared by the 90th day overdue.

 

 

 

Kind regards

MiniCredit.co.uk

Client Support Team

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  • 1 month later...

They don't accept reduced payment, well they didn't when I offered.

 

However, that doesn't really matter as they can't do anything until they take you to court, and i can basically guarantee that they won't do that.

 

They'll try to bully like they tried to bully me but just hold tight and call their bluff.

 

If it DOES go to court the court (even if it allows them to charge you £800) won;t compel you to pay more than you can afford anyway.

 

Absolutely no reason to do anything other than wait for them to be sensible.

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  • 2 months later...

Hi All,

 

im in the same situation, i took out a loan for £250 and due to a change in my situation was unable to pay it back, the total now stands at over £800, i spoke to them over the phone they where very rude and refused to help i even offered them a monthly payment but they didnt want to know so today i have sent them this today -

 

 

Hi,

I have attepted to offer a repaymemnt plan due to being massively overcommited over the phone and was meet with a brick wall, i am willing to pay £30.00pm towards the loan only if this is accepted a a fix repayment plan and i know that the debt is actually being paid off, i have spoken to FSA and taken some advice from them, they have basically advised that if you are not willing to accept this then you are not meeting responsible lending guidelines, they have also advised that i do not have to speak to you over the phone so please accept this as formal notification that i wish for all calls to cease and for all correspondence to be via post. once i have formal correspondece from you confirming that you are happy to accept this payment arragement i will be more than happy to start making these payments, however if you do not accept this then i will be again contact the FSA and in addition the OFT to advise them of the situation and of you failer to assist someone in financial difficulties. regards ria keeley

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So iv had a response to my email i sent to them, seems to be the same as everyone has been saying that they dont accept payment plans or freeze intrest or charges, i have also now had a letter advising that if the full balance is not paid by 28/12/2011 then they are passing it to door to door collectors it only arrived yesterday and adding another £100 for the privallige, i have responded to them with the below email -

 

Dear Minicredit,

 

Under the consumer credit act it is your responsibility to try to come to a arragment to enable someone to repay a balance that is outstanding at a affordable amount to them without causing further financial difficulties otherwise you are not abiding by the law in which case this means that if the agreement is taken to court that the judge will want to know why this has not happened, he will also want to know why you have adds over £600 in interest an charges to a debt that started at £250 an I'm sure will increase, further more you claim that this will be sent to door to door collectors well guess what you are also not allowed to do this without a court enjunction, I would at this stage like to point out that all correspondence from yourself to me and vis versa are being held should I need to show this to a judge in court to prove you have broke guidelines set out, I would strongly urge you to re look at my offer of £30pm an I would state again that I will start making this payment on acceptance of this offer. Regards ria keeley

All this and the loan is only one month over due

DOES ANYONE HAVE ANY ADVICE OR CAN ANYONE HELP ME

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Go straight to the OFT, http://www.consumerdirect.gov.uk as they are investigating payday loans and it is high profile with them. Trading Standards need to know as well http://www.tradingstandards.gov.uk

 

You are barking up the wrong tree with the FSA, they don't deal with payday loan companies... I've been told this by somebody this month from the FSA before I get shouted down.

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Hi sillygirl1,

 

Iv been told that you have to make a official complaint with the company first and then wait 3 months first before they will do anything is this correct??

 

Yes, would be very interesting to know who told you to wait 3 months!

 

A complaint should be fully resolved within 8 weeks. You can then move onto the Ombudsman if not satisfied. If the company provides you with a "Final response" before that time, then you can obviously go to the Ombudsman a lot quicker.

 

You should however, be making any complaint to the OFT immediately.

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

2: Take back control of your finances - Debt Diaries

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4: Staying Calm About Debt  Read Here

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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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People, when speaking to the FSA and FOS on the phone.. please get the name of the person you are speaking to :)

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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i cant remember the name of the website be there is a ction group set up for help with minicredit and it states on there that you have to wait 3 months and that you have to make a complaint to the company first i just found it through google search engine.

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i cant remember the name of the website be there is a ction group set up for help with minicredit and it states on there that you have to wait 3 months and that you have to make a complaint to the company first i just found it through google search engine.

 

This is correct, you must make an Official Complaint to the company first. You should head your communication - OFFICIAL COMPLAINT - else it will just be treated as a general enquiry. There are timescales for a company to respond to an OC but not for general enquiries. I did not see on either of your emails that you were making an official complaint.

 

The company has 8 weeks in which to respond.

 

Once you have the complaint in, the company in theory, should put any action on hold whilst it is dealing with your complaint.

 

I simply do not understand why anyone or who in fact, would be advising that you need to wait for 3 months?

 

Would you please private message me with the name of the website you visited. Do not post it on the open forum.

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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Hi all would you mind telling me what you think of this im about to send it to them as my official complaint email -

 

OFFICIAL COMPLAINT

Dear Minicredit,

I would like it noted that i am today making a official complaint to your company and giving you 8 weeks in which to come to a acceptible conclusion at which time if this has not happened them i will be contacting the financial ombudsmans services to make this official.

i have been contacting your company to try to seek assitance regarding my outstanding balance and all you have done is threaten me and add out of this world charges. i have offered £30pm towards the balance which by anyones books would be a fair offer considering the balance started at £250.00, i can not believe this now stands at £875.00, i have also contacted the office of fair trading and trading trading regarding your grossley out weighed ethics so that they can investigate the matter.

Regards

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i hope that this gives you some hope with this.

I too had a silly payday loan from this idiots.

I too paid late ,they tried to charge me 900 pounds for a 200 pounds loan and i negotiated one months interest and the balance owed.

their charges are unfair as per Unfair Contract Terms act and despite their threats- as that is all they are ,hold out and be firm.

If they pass you debt to a doorstep collector the dc must notify you PRIOR to their attending their property and you can then send them the

"it will never be acceptable or convenient to attend my property letter"* see library of debt letters.

 

If they turn up contact police and dont answer door.

They have no rights to enter your property and you can tell them to go away.(through the letter box of course).

I was advised to put a letter for minicredit doorstep collections and sellotape it outside my door.

That was on my door for 8 months and no debt collector turned up.

As far as i know the fee they charge on for debt collection is just that a fee that they are illegally charging on.

There is no debt collector.

 

If they are causing you too much hassle i would recommend contacting payplan to set up a debt management plan .

Payplan deal with minicredit alot and they do accept debt management plans and negotiate direct with Minicredit.

 

I would let mini credit sweat it- keep all their emails .

Send them a special delivery letter ,ccing in your local police force and trading standards and the Financial Ombudsman outlining your settlement letter along with a token payment,

send that payment along with your setlement letter -postal orders or a bank draft only.

Cancel your debit card and change the bank account detail as this company will monitor your account and take debits when it wants to even over and above what you owe.

 

 

Do not get stressed -as difficult as it is ,

i dealt with them and it worked -they settled.

Use my experience in this to either stand firm and say accept my settlement offer and make a token payment ,

or go to payplan and let them deal with it -whichever way these are the **** of the earth and complete rip off merchants.

 

Do not enter into calls ,in writing only and block their telephone calls .

Make it clear that you want correspondence in writing only.

Dont lose sleep over it -i know as i went through it that it can get stressful.

Send your letter ,with payment then block calls and change debit card etc .

 

Then sit back if they persist then pass to payplan.

Hope of help.

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dear unfairadvantage

 

It seems that you have the most experiance with a possitive outcome with them, i wonder if i would be possible to get some help from you so that i can get this sorted and get on with my life but only if your ok with that, inbox me and let me know. thanks in advance.

 

 

Please see site rules....all help should be given in open forum....also see my signature about asking for help via PM

 

ims

 

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not sure what you mean inbox me?

 

follow basic advice and stop your cards

ask your bank to cancel and reissue

i would even change account numbers of my bank

 

this is most important and should be done right away.as far as letter simply state you can pay this amount monthly or offer a settlement figure +1 montsh interest and this is your final offer.Do not enter into phone cals and make sure you block their calls and tel them to put everything in writing ONLY.

 

if you fiances need sorting i would contact payplan in any case as they are a fee free debt management company and they are helpful.

 

they will do a negotiation with minicredit.do not pay minicredit all of their ridiculous interest.Stay firm and in control

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The letter needs to state

 

OFFICIAL COMPLAINT

 

Please take this as an Official Complaint which means you have x time to resolve this issue

 

Then clearly state the problem - do not elaborate, just put it simply.

 

If this issue is not resolved after X time then I will be reporting you to the Office of Fair Trading, Trading Standards and the British Cheque Cashing Association (their governing body by the way).

 

Don't bother with the Financial Services Ombudsman, you could wait 3 months for a reply from them!

 

Keep things simple, non threatening and non legal and you will get a much better response than charging in threatening things you don't understand.

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unfortunately with minicredit they dont do nice.they wont respond unless you make it clear you are aware of what your rights are incluidng not accepting visist from their doorstep collector

 

you must also be firm with them in regards to settlement.i m not sure if previous poster has had any personal experience of dealing with this company but i have and i can tell you that they are a really awful company to deal with.they will only respond if you make clear you are not going to be exasperated by their tactics of trying to get you to pay 700 poundsinterest etc

 

you wont get a better response if you are non legal as they think you are a push over and will keep harassing you-stand up to them tell them how it is and make sure that you cancel your debit cards get them resiiued with different numbers and if harassment gets too much contact paypaln

 

i have had experience first hand of dealing with minicredit and thy do not understand or respect the nice approach

 

incidentally the fso is worth involving as they are currently investigating payday loan companies such as minicredit and in my personal experience they contacted minicredit

 

it makes you appear more determined and with companies like minicredit that means everything

 

the office of fair trading is a waste of time,as is the BCCA,again i have gone down this route and i can categorically assure you that if you tell them(mc) how it is and make it clear you know your rights and if you stand up and say this is what i will do and this is what i wont do that they will take note and you will suceed.if you do as previous poster suggested they will walk all over you as they will think you are a soft target and they can take you to the cleaners

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