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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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Having some problems with Wage Day Advance


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My wife took out a PDL with these guys for £185.00 in November of last year. After 3 payments of the minimum payment she realised that she could not afford it and around March of this year emailed them to say she is cancelling her DD and wanted to some to some sort of arrangement.

 

She called them in March as she was having no luck with the emails (they kept pestering her for proof she could not afford it) and came to an arrangement to pay £73.73 over 4 months starting 20th March. She received email confirmation of this on the 23rd March.

 

On the 23rd March a card payment was also taken for £12.00 and £59.00. We assumed this was the first payment and although it was about £2 short we assumed it was done in a rush and we would owe £2.75 after the last payment scheduled on 20th June 2012.

 

However, they tried to set up another DD this month which we cancelled and have contacted my wife claiming that March's payment did not go through so we owe one more payment.

 

I've asked them to confirm what the payments were for in March and I think they are going to say it is a card payment because of the cancelled DD.

 

However, my wife came to this agreement before this date and they still took out the money regardless. Like idiots we didn't query it as we just assumed it was the 1st payment to the repayment plan.

 

What should we do?

 

Thanks, Lee.

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Check your bank statements and make sure the transaction actually went through and wasnt pending and fell off.

 

If the transaction is there in black and white, let us know and we can write a letter template for you to send these muppets. Don't worry about what they might say. Stay off the phone and deal in writing only. IF they refuse to answer emails, thats their problem not yours. If you continually contact them like you have been doing, they will think they are on to a gullible debtor and a potential cash cow.

 

What we'll need to do in the letter is file a complaint, and also add that their permission to debit the account and use any associated DD's is now revoked. A copy of the letter can go to your bank to ensure no money is taken out by them again.

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

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I think she only emailed then about 2 times and then phoned once.

 

The problem is though no amount for the agreed amount (£73.75)went through in March as they said it would. But the 2 amounts, one for £12 and another for £59.00 did. So, it seems that they ignored my wife when she said that she was cancelling the DD and took this amount after the payment plan was agreed.

 

So, if all had gone ahead then (bearing in mind we could not afford the £59.00) we would have paid out £12.00, £59.00 and £73.75 in the same month to these people.

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@havinastella (forgot to reply with quote)

 

In total she has paid £469.25 for a £185.00 loan. Thy claim that one more payment is outstanding for £73.75 that did not go through in March (which is what we mistook the £12 and £59 to be which they took after the agreement was confirmed and on the same day we got the agreement via email).

 

Thanks - Lee

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Seems like youve been "cash cowed" to be honest. Do NOT pay them anything else.

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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Remember any advise I give is not legally binding. I would tell this company to Foxtrot Oscar. Forget there stupid carry over clauses.

 

I would be writing to them, saying, I have paid xxxx towards xxxx loan.

 

Although I agreed to your t&c's I believe that they are unfair.

 

Please be advised that I shall not be paying anything more and I require confirmation that this agreement is fulfilled.

 

Any legal proceedings shall be defended that may incur costs to yourselves.

 

 

 

OR something similar.

 

 

This is what I would do, you have the option to do whatever you choose!

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Remember any advise I give is not legally binding. I would tell this company to Foxtrot Oscar. Forget there stupid carry over clauses.

 

I would be writing to them, saying, I have paid xxxx towards xxxx loan.

 

Although I agreed to your t&c's I believe that they are unfair.

 

Please be advised that I shall not be paying anything more and I require confirmation that this agreement is fulfilled.

 

Any legal proceedings shall be defended that mau incur costs to yourselves.

 

 

 

OR something similar.

 

 

This is what I would do, you have the option to do whatever you choose!

 

Sounds good :) This is pretty much what I'm going to do. I just like to have as many facts as I can to hand so they don't assume I have no idea and am an easy target.

 

At the end of the day my wife came to an arrangement with them. They agreed to this but tried taking one more 'regular' payment after this agreement was agreed by card payment. As far as I'm concerned as this 'regular' payment was after the agreement then it is meant to be part of the 4 month agreement. They even had the cheek to add some sort of arrangement fee into the payments as well like they haven't had enough in total.

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Thats what they do. Youve been cashcowed. They knew that youd pay them, so theyre adding on whatever fictitious charges/fee's they can think of.

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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So I've put a formal complaint through as the person I'm emailing has changed his story mid way through from the DD failing in March to it actually being set up for April. One minute he claims that it was set up for March but failed and then my wife phoned and it was agreed to restart it from April. That would have involved 2 calls. However, my wife called once and now in this one call he says that it was set up for April from the beginning.

 

Is it perfectly ok for me to complain to the OFT or Trading Standards as well whilst waiting a reply as I've seen in some threads people have said go straight to the organisations named?

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Yes. Complain LOUDLY.

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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Thats just the FOS who says that. OFT are the ones who decide who has a license and who doesnt. Thats why its vitally important anyone who has a problem with a lender needs to start official complaints.

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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  • 3 weeks later...

Congrats.

 

Now, did they say they will simply stop pursuing, or did they say the debt is not finished and your account is closed?

 

Big difference there as the former means only the PDL will stop coming after you but they could easily sell the debt on to someone else.

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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Congrats.

 

Now, did they say they will simply stop pursuing, or did they say the debt is not finished and your account is closed?

 

Big difference there as the former means only the PDL will stop coming after you but they could easily sell the debt on to someone else.

 

Yeah - they said that the account will be closed and we'll definitely be keeping hold of all correspondence to that effect somewhere safe :)

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Make sure you get them to say that the debt will not be sold on to any third party or representative. That statement is key.

 

Otherwise they can simply sell the debt on, and say " we said we will close the account, not that we would wipe the debt."

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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This is a the bit from the email

 

'After careful consideration in effort to draw a line under the matter it has been decided that the remaining balance of £73.75 will be written off and the account closed. '

 

Hope this helps and thanks for the replies :)

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Congrats again!

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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