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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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wage day advance WDA


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I have a loan with these guys 590 plus interest of 127...i just cant afford to be paying the interest and carrying this over each month...what should I do?

Do they offer payment plans

Should I cancell my card so they cant take the payment out and then try and arrange something with them

I dont want them clearing my account..i just cant afford that.

Help and advise welcome please..

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Cancel all cards and change your bank account if possible. That should be your first step. If they have access to your bank details then you can be 100% sure that they will try to debit it anytime they wish.

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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They will provide their bank details to pay by standing order but you do feel like you are banging your head against a brick wall.

When you cancel your card, also send WDA and your bank the stopping of continuous payment authority. Should be no need to change banks.

Dont arrange on the phone, do it all by email /letter and if they don't play ball complain.

If you genuinely feel it was irresponsible lending then complete the OFT complaint form...see stickys.

In my case I went form 250 to 750 with no further credit checks, even though I owed 40k of unsecured debt

 

As of now my PDL's are getting nowt and I am checking the enforcibility of all my other debts . I have no income and no assets so what can they do?

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Guest Poguesy

Contact them via [email protected] to discuss a repayment plan.

 

Expect a little arguing back and forth, and they will expect you to complete forms and send bank statements but refuse to do so.

 

Usually, they won't add any extra charges or interest but will put on a fee for setting up the repayments.

 

I was charged £24, but i was happy to accept as they set it up pretty quickly and couldn't be arsed moaning over it.

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Contact them via [email protected] to discuss a repayment plan.

 

Expect a little arguing back and forth, and they will expect you to complete forms and send bank statements but refuse to do so.

 

Usually, they won't add any extra charges or interest but will put on a fee for setting up the repayments.

 

I was charged £24, but i was happy to accept as they set it up pretty quickly and couldn't be arsed moaning over it.

 

That charge is illegal by the way.

 

Also, the ONLY form you should give them is a simple income and expenditure form. In absolutely no circumstances should you ever give them your wage slips or bank statements.

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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Guest Poguesy
That charge is illegal by the way.

 

Also, the ONLY form you should give them is a simple income and expenditure form. In absolutely no circumstances should you ever give them your wage slips or bank statements.

 

Yeah, i know.

 

I may argue about it when it comes towards the end of paying Wageday Advance.

 

But when you've got that many payday loans staring at you then at the time £24 felt a lot better than £100s in charges and interest.

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What you can do is a simple trick. let them charge you the £24 but dont sign anything related to it. When your debt goes down to £24 left, tell them youve already paid it as they deducted it at the start, otherwise you will consider it an illegal charge and notify the relevant authorities. Play them at their own game.

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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  • 2 months later...

i have 3 payday loans and cant change my bank as it took me long enough to get this one with my credit i owe payday uk 300 cash genine 150 and wda 400 i cant afford to keep paying the intrest what can i do with out them taking money from my account im getting very syressed with having no money at the end of the month can i set up 10 per month with these guys please help someone

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You have to help yourself.

 

Anyone can request a banks most basic account - some of the banks might be accessing for a current account?

try Halifax Easycash which you can apply for today online

 

Here is a list with names of basic accounts as it may help to quote names of basic accounts

http://www.moneyadviceservice.org.uk/_assets/downloads/pdfs/your_money/bank_accounts_table.pdf

 

Then start emailing the lenders you owe cc. yourself this becomes your proof should you need to take it further, telling them how much you can repay and ask them to freeze interest and charges - do this from the outset and be clear in what you are asking along with requesting their payment details

 

With the OFT investigations lenders are probably falling over themselves like never before to help

 

 

Failing all this and still having problems - Citizens Advice

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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