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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 
      • 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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Loan Sharks


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Really?

 

Really.

 

The minister was on the tv news the other day and said 'there were no plans to cap the interest rate'.

 

So here we go boys, who wants a license to prey on the poor and the vulnerable.

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Apparently, the problem with enforcing much lower int rates would mean these companies would go out of business and borrowers would use the underworld of lending which would be worse.

 

I think these loan companies should be scrutinised more to determine whether it's more to do with profits not being as high as they like if int rates were much lower, rather than it would be the cause of them close down.

 

It's time these lenders stopped preying on the vulnerable, those who can least afford high int rates. Another designed to fail type lending. The roll over loans offered when the original can't be afforded to pay back, is being addressed but much more needs to be done.

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I've said it time and time again. There is ONE person who works with the government and he alone is responsible for what is happening. He is also the same person who ensured that workers have pretty much no legal rights for the first two YEARS of their employment.

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..

 

 

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  • 2 weeks later...

It's now emerged that £millions of the church money is used to back up Wonga.

 

As for making some unemployed, they are as bad as the company, it is they who send the snotty letters and roll over the loans getting people into trouble.

 

Perhaps if they get what they deserve, they can get their groceries with a Wonga loan and get some first hand knowledge of what it's like and what 'they' have been doing to others.

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It's now emerged that £millions of the church money is used to back up Wonga.

 

As for making some unemployed, they are as bad as the company, it is they who send the snotty letters and roll over the loans getting people into trouble.

 

Perhaps if they get what they deserve, they can get their groceries with a Wonga loan and get some first hand knowledge of what it's like and what 'they' have been doing to others.

 

One has to wonder how many other corrupt organisations are perhaps 'laundering' their ill gotten gains through the legalised loan sharks.

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It's now emerged that £millions of the church money is used to back up Wonga.

 

As for making some unemployed, they are as bad as the company, it is they who send the snotty letters and roll over the loans getting people into trouble.

 

Perhaps if they get what they deserve, they can get their groceries with a Wonga loan and get some first hand knowledge of what it's like and what 'they' have been doing to others.

 

This morning the Archbishop of Canterbury said that in total the church invested £75k (not millions) in an investment company that provided the capital to start Wonga, and that he's furious about it.

 

Personally I welcome the idea of promoting credit unions as an alternative. However, I'd still like to see interest rate caps.

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It's now emerged that £millions of the church money is used to back up Wonga.

 

As for making some unemployed, they are as bad as the company, it is they who send the snotty letters and roll over the loans getting people into trouble.

 

Perhaps if they get what they deserve, they can get their groceries with a Wonga loan and get some first hand knowledge of what it's like and what 'they' have been doing to others.

 

I see you now know the connection was indirect, an investment in a company who had connections down the line to Wonga. It has enabled the Church to review investments in companies who then invest onto others they want to avoid.

 

I noticed the 'Ten Commitments' Wonga have published to support their stance. A rather tacky attempt to poke fun at the Ten Commandments. Well they would, wouldn't they.

 

Keep the faith Conniff:-D

Edited by determindator
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  • 2 months later...

 

Of course they do, they get all their info from the public for free and then sell it back to them.

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Of course they do, they get all their info from the public for free and then sell it back to them.

 

Which want your stories to help them take on these type of lenders. I don't think Loan Sharks will be buying that info!

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They may make money from selling a magazine but that money can be put towards doing a great deal of work for those who don't buy the magazine, in this instance money lending, apart from all the many other financial campaigns where their involvement has made changes better for the consumer. See it as philanthropy.

 

The internet is a powerful communicator, i've seen the Which info so it is appropriate for CAG to be a place to spread the word on this subject.

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Agreed termi. Until I attended the big banking debate I had no idea what a powerful campaigner which is, and the excellent work they do for consumers. So much more than the magazines. They also have very powerful contacts. :)

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Yes Caro, we went to the debate, plus the other meetings over time, and there is influential work taking place standing up for the consumer.

 

Here is the site again to post what you want to say about your experiences with these type of loans.

 

http://www.which.co.uk/campaigns/money-payday-loans-overdrafts/?utm_campaign=121013_campaignsemail_monthly&utm_medium=email&utm_source=email_campaigns&cmp=121013_campaignsemail_monthly

Edited by determindator
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  • 11 months later...

 

In one of the case studies in the report - one borrower admits to not telling the truth in order to be accepted.

 

Some borrowers are their own worst enemy - there really needs to be some education regarding the managing of finances.

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I believe financial education is being added to the school curriculum, should have been done years ago when get rich quick was introduced into main stream thinking. The eighties springs to mind. There's good and bad in lenders as there is good and bad in borrowers. That's where the fairness in each case should be decided.

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