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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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Clear View Finance Ltd - took 600 quid from account with no signed agreement - avoid!!


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first of all - this is my mates case at the moment, after couple of years here I'm not that stupid to do the following...

 

he was going through some financial issues and started looking around for some sort of a consolidation debt loan thingy. without any knowledge, he most likely google this company:

 

http://www.clearviewfinanceltd.co.uk

 

he called them and discussed debt management, fees, percents and all that. the stupid thing he did - he gave them card details on basis that they need to do checks and what card would be used for payments. they told him they will send him the agreement and he needs to sign it and return it. he did get the agreement, but decided he doesn't want to do it anymore, so he just ignored it. he was getting phone calls for about 3 weeks, but ignored them.

 

problem occured today, as he noticed that they took 600 quid from his account - it was a card payment. he immediately called halifax to dispute this, been told that he needs to contact them first to get a refund and halifax gave him case number, and told him to phone back. next call was to clear view finance to ask about this transaction. they told him that they've tried to contact him for some time and there was no reply. they also said that they're within their right to start the whole process, as there was no cancellation - BUT NO SIGNED AGREEMENT WAS RETURNED TO THEM. also no paperwork about the debts and creditors - this was all discussed over the phone.

 

my question is - are they allowed to this ? and what would be the next step to get this money back ?

 

Thanks

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Agreed with ihb. DEMAND an immediate chargeback. THey can chargeback now and investigate later. Do NOT let them tell you different. If they try, make sure to get the employee's names and numbers so you can get a full complaint to the banks CEO and to the regulators. Don't leave the bank without them. Even if it takes hours.

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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is there any regulations I can throw at them ? as from what I know, they've said they can't do anything now and he needs to contact the company for a refund first - which was obviously refused.

 

also - anything we can do to 'hurt' that company now ? as this must be illegal to proceed like this

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*rubs hands* :D

 

There sure is my friend.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(3-Viewing)-nbsp

 

See post #1 specifically http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf and http://www.fsa.gov.uk/pubs/consumer_info/know_your_rights_payments.pdf

 

 

Page 16 and 17 for the first PDf, second part of the second PDF, top right corner of the page.

 

 

Let me know if you need more help. We see this every day in the Payday loan forums.

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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Read everything in that link. Also read up on BCOBS.

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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he had a phone call this morning from the mentioned company and spoke with the accountant. she said that she will contact the sales person who approved that and he will be refunded this week. my question is - should we wait now for them to refund it this week or should we proceed with demanding halifax to refund this ?

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Eric is bang on the money. get the bank to do the chargeback, as the lender could simply be stalling too.

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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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Make sure he gets written confirmation from halifax. Love how it took the threat of legal action to force them to follow the law. I hope your chasing this up with the ceo.

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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  • 1 month later...

I just had these clowns phone me up,with a promise of sorting my finances out as I generally do have a problem with a payday loan.she proceeded to tell me that I can't cancel CPA with my bank or lender,and that even if I cancel CPA,cancel cards and switch to a different bank,they can still get hold of my new bank account details to take money!she then had the cheek to ask why I don't sound very enthusiastic with what they can offer and asked why I don't trust them????swiftly told them I'm not interested!

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