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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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Help Please ? :) SGE LOANS.


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The **** are still at it. Despite warnings from West Yorkshire Trading Standards. I applied today and was told nothing would be taken from my account until either I received a loan or my first payday whichever came first. Within 2 minutes of putting the phone down my Bank called me querying a transaction for £89.99. Told them not to authorise and then emailed SGE. They initially denied trying to take any money but when I asked them to phone my bank they declined and said it was an "admin error" yeah right!!!!

Apparently they have been warned about this practice by Trading Standards but, as they part fund them since the Government cut backs, they think they are untouchable. I hope Watchdog decide to investigate them

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  • 3 weeks later...
  • 2 months later...

They are still at it! I applied for a loan on the 23rd September and they mentioned their premium service but NEVER said it costs a penny! Well, today they took £79.99 out of my bank, I rang customer services (answered straight away surprisingly) but they said that it's out of the cancelation period (never mentioned) and that as I 'agreed' to it I can't get my money back! Even though they never told me exactly what I was agreeing to and they should have known that when they took the money out of my bank it was past the cancelation date (dodgy if you ask me!!)

So I submitted a complaint and they said they will listen to my call and decide whether I should receive my money back, doubt il get it like.

Does anyone know how I can get it back?? I have 2 kids to feed and these twats have took the last of my money :( I read the above comment but my bank said they can't help me as I techniqally agreed to it as I said yes, I just don't know what to do :/

Thanks x

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  • 1 month later...
They are still at it! I applied for a loan on the 23rd September and they mentioned their premium service but NEVER said it costs a penny! Well, today they took £79.99 out of my bank, I rang customer services (answered straight away surprisingly) but they said that it's out of the cancelation period (never mentioned) and that as I 'agreed' to it I can't get my money back! Even though they never told me exactly what I was agreeing to and they should have known that when they took the money out of my bank it was past the cancelation date (dodgy if you ask me!!)

So I submitted a complaint and they said they will listen to my call and decide whether I should receive my money back, doubt il get it like.

Does anyone know how I can get it back?? I have 2 kids to feed and these ****s have took the last of my money :( I read the above comment but my bank said they can't help me as I techniqally agreed to it as I said yes, I just don't know what to do :/

Thanks x

I'm in the exact same situation as you & getting nowhere, they are ongoing my emails & I can't afford to call them as it costs to much :/ will we ever get out money back? :(

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Hi Janine,

 

Read through this thread and use the content to take action.

 

Can you give brief details of your complaint about them and what happened.

 

Don't bother calling - keep everything in writing only.

 

Have you made a formal complaint to the FOS about them. If not, perhaps write to them giving them 14 days to refund or a formal complaint will be made without further warning.

 

:-)

We could do with some help from you

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  • 2 months later...

I went through SGE loans and have been conned too by them.

When I called them to get my money back I was told that I was charged because I agreed to some premium service. They also said that they had sent me emails with vouchers, which I have not received and a cash card which I would have to pay fees for to use anyway.

 

Avoid these con artists at all costs.

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Hi Blanchie and welcome to CAG

 

You'll see from this thread that some folk have stood up for themselves and received refunds.

 

If you think it's worth a try, let us know how you get on.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 11 months later...

I applied for a loan with these clowns as well as many others at Christmas time. I ended up not going through with it as the guy mentioned a charge. I actually hung up on him. The other day I noticed that 10p had been taken from my bank account. I hadn't authorised it and I know it's only 10p but it's the principle of it. Plus how do I know that they won't try to take more money at a later date. I've tried complaining but they claim that I agreed by continuing talking to the guy when I hung up! They also claim that they have a recording and would supply me with a copy of it if I send them £10! How stupid do they think I am? I really feel for everyone on here that has had the £70 taken. It's a pity someone couldn't find the building where these sharks operate from and blow it up and do everyone a favour. People like this make me sick.

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I applied for a loan with these clowns as well as many others at Christmas time. I ended up not going through with it as the guy mentioned a charge. I actually hung up on him. The other day I noticed that 10p had been taken from my bank account. I hadn't authorised it and I know it's only 10p but it's the principle of it. Plus how do I know that they won't try to take more money at a later date. I've tried complaining but they claim that I agreed by continuing talking to the guy when I hung up! They also claim that they have a recording and would supply me with a copy of it if I send them £10! How stupid do they think I am? I really feel for everyone on here that has had the £70 taken. It's a pity someone couldn't find the building where these sharks operate from and blow it up and do everyone a favour. People like this make me sick.

 

The 10p would have been a check to see if your card was active. I suggest you contact your bank and tell them that you have not authorised any payments from your account to this company.

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

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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.

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Hi, I did that and they said that they couldn't help. However I have also cancelled the card so hopefully they can't take any more. Strange though that it should be 2 months from when I applied when they take the 10p. As they refused to refund the 10p I've let them know that I will let everyone know that they are sharks and shouldn't even be allowed to run a bath let alone a loan company.

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