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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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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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Digital Financial Services claim to own SC Debt of £3000+


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Received the following email from Digital Finance Services today:

 

Dear valued customer,

 

Total due: £3071.42

 

Loan issued: [redacted]

 

Thank you for taking time to view this email. Please kindly be informed that your loan outstanding with Speed Credit has been transferred to Digital Financial Services UK limited with complete ownership. Your invoice is now legally owned and controlled by Digital Financial Services UK which is a payday lender and regulated by the Financial Conduct Authority (FCA) in UK.

 

We will kindly request you to note that your loan is currently outstanding for £ 3071.42 and may be appearing in your credit file as it is still unpaid.

 

Therefore, please visit our website [redacted] and click on ‘PAY NOW’ section to pay the remaining balance online. Alternately, you may use faster payment service, CHAPS or wire transfer and make the payment to the following bank details-

 

A/C: [redacted]

Sort Code: [redacted]

 

We prioritize your requirement with earnestness& do understand the value of your time.However, please bear in mind that your loan account is still open with default charges. Our firm can assure you quality financial services with payment arrangement’s meeting both of our suitability.

 

Please confirm the receipt of this notification at your earliest convenience. Our expert & friendly advisers are always ready to entrain your inquiry. We believe and practice in TCF (Treating Customers fairly).

 

Our contact details are attached below. We thank you for your business with us and look forward to a continued relationship.

 

Kind Regards,

 

DFS collection team

Digital Finance Services UK ltd

Phone: [redacted]

Email: [redacted]

 

Confirming account balances and ownership without knowing who that email is ever going to reach? Naughty! They no knowledge whether that email account even exists any more.

 

I took a brief look at their website and it is evident that it was made by a drunk or someone who needs serious help with their English Skills. Littered with typos and poor grammar... Lets see what happens if I ignore it then... What would you folks suggest however?

 

The account was disputed with Account In Dispute Notice which I sent long ago...!

This is how I spend most of my life :ranger:

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Carefully worded phishing letter.

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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I'll just go ahead and mention it...

 

The former Director of Digital Finance Services UK Ltd Tuomo Kari Kustaa Maki was also the Director of the the Payday Lender MCO Capital which had its credit license revoked and shut down, but MCO also had links to the CIM / Toothfairy Construct.

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  • 2 weeks later...
I'll just go ahead and mention it...

 

The former Director of Digital Finance Services UK Ltd Tuomo Kari Kustaa Maki was also the Director of the the Payday Lender MCO Capital which had its credit license revoked and shut down, but MCO also had links to the CIM / Toothfairy Construct.

 

Has anyone heard anything else from this company? I haven't in around two weeks now

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Yes. They sent a further email last Saturday. I replied with the following:

 

"Sue me. I am not going to pay"

 

No response as of yet.

 

Lol, I don't think they have any legal standing but if they do you've just acknowledged you owe them money and that your email address is current.

 

I hope they can't touch us! Good luck let me know how you get on!

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Tell a lie, It was Sunday they sent the email. I will monitor my emails over the weekend to see if they send anything else.

 

Dear Customer,

 

Total Due: [redacted]

 

We are following up with our previous attempts to reach you in regards to your outstanding loan account with Digital Finance Services UK. Your loan is still outstanding with us and appearing on your credit file.

 

We have informed you on different occasions prior to this email with clear information about your dues and repayment options. Unfortunately, we are yet to receive any response from you.

 

Please note that your credit report will continue to have default mark unless we receive information from you about your intended debt settlement plan. We will request you to note that every day you are delaying is reducing our options to help you with your debt.

 

Therefore, please visit our website http://www.digitalfinancialservices.co.uk and click on ‘PAY NOW’ section to make the payment for your loan. Alternately, you may use our bank details and pay via faster payment, CHAPS or wire transfer service. Our bank details are provided below-

 

A/C: [redacted]

Sort Code: [redacted]

 

If you want to pay by visiting your bank or by cheque please use the following details:

 

Barclay A/C No: [redacted]

Sort Code: [redacted]

Swift: [redacted]

 

As a responsible Debt collection entity we are aware of our limitations under FCA guidelines and also our rights to claim outstanding dues.

 

We will strongly suggest you to respond to this email and inform us how you wish to settle your loan account with. Alternately, legal initiatives will be introduced in our current process to recover your dues. Our contact details are provided below with this email.

 

We wait for a prompt reply

 

Kind Regards,

 

DFS collection team

Digital Finance Services UK ltd

Phone: [redacted]

Email: [redacted]

This is how I spend most of my life :ranger:

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Did a high school student write that letter? Its chock full of errors.

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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You should see their website...! I know I'm one to talk for speelun errorrs etc. But seriously. Here are some examples:

 

"Please note that some banks do not support “Faster Payments”, if this is the situation then the payments can get delayed. Some banks may also charge additional charge."

 

"*Wealth Warning: A payday loan could be a good helping companion for short term borrowing. It is not a long term solution who is in financial difficulty!"

 

"When you take a loan from us, we will setup a Continuous Payment Authority (CPA) against borrower’s debit card.This is to ensure there is a guaranteed payment from borrower’s end while providing the loan."

 

Do any of those sentences make any sense whatsoever? Screams Cowboy Operation to me all over!

This is how I spend most of my life :ranger:

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Eitehr cowboy op, or if you check the company records, a foreign national who is perhaps taking advantage. Seems to be happening a lot with PDL's and obscure DCA's. The majority seem to be owned or ran by eastern europeans or further afield.

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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has anyone else googled the address for this company???i have and it has come back with quiet a lot of different companies being registered there a lot of them are payday loans for example lending stream credit on demand next credit and a lot of other companies..

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It's most likely a mail redirection centre or serviced offices. Many PDL's and some debt buyers use these to hide themselves away from prying eyes. They even use these when they register with company house so its difficult to track them down.

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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Eitehr cowboy op, or if you check the company records, a foreign national who is perhaps taking advantage. Seems to be happening a lot with PDL's and obscure DCA's. The majority seem to be owned or ran by eastern europeans or further afield.

 

One of the former Directors is Tuomo Kari Kustaa Maki (of MCO Capital "fame") which doesn't exactly sound like the most traditional British name, but that isn't a valid excuse, they could have just paid some local unemployed guy £20 to have a quick glance to check if its even remotely ok.

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  • 2 months later...

So I was reading through and spotted another post about these guys saying they now had next credits debts but it turned out they hadn't!

 

Anyway they have messaged me informing of the following:

 

Dear Mr ,

 

Total Due: £ 1771

Please be informed that your loan is still outstanding with Digital Finance Services UK for the above mentioned amount.

 

We have tried to reach you on 2 different occasions continuously both by email and over the phone. (I really liked that bit!)

 

We are disappointed that you have failed to respond any of our communications.

We write to advise you that unless we receive a payment of £1771 within the next 7 days we will be left with no alternative but to issue court proceedings against you.

 

In order to avoid legal proceedings, we advise you to visit our website and click on ‘PAY NOW’ section to make the payment for your loan. Alternately, you may use our bank details and pay via faster payment, CHAPS or wire transfer service. Our bank details are provided below-

 

A/C: 43266351

Sort Code: 406080

 

If we are forced to issue proceedings against you then we will also be claiming interest, court fees and fixed solicitors costs on top of the sum outstanding. The cost structure is provided bellow-

 

We trust the above will not be necessary and that we will receive payment of £ 1771 by 1st November 2014. You are strongly advised to contact us to the provided contact details for any assistance to arrange the payment.

 

Kind Regards,

 

DFS collection team

Digital Finance Services UK ltd

Phone: +44 203 026 0796

Email: collectiondigitalfinancialservices.co.uk

 

 

 

So no indication as to who they think I owed money to previously, and a very suspicious £1771 exactly to be paid hmmm....

 

Well my first thought was to reply using 2 choice words beginning with F and O but then I conceded that this would let them know this was an active email address etc..

 

Also what wasn't shown on the copy I put on here was the breakdown of charges which include £3 each time they try to call whether I answered or not (and they don't have my number), £3 each time they text me whether it is received or not! and £5 per letter (and the letter was the only one that didn't mention a reasonable amount etc...)

 

So now I'm thinking send the bar stewards 1000 letters all marked 1 of 1000, 2 of 1000, 3 of 1000 etc.. and ask them to pay me £5000 within 7 days less the claimed £1771 leaving £3229 into the following bank details or I will be forced to issue legal proceedings?

 

Seems like a lot of effort but I was thinking of documenting the whole thing and putting it onto a blog and maybe even trying to generate a bit of media attention around this obvious con artist.

 

any thoughts?

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While I do usually tell people to pay what they owe, with this particular corporate construct involved I would strongly advice against paying even one single penny. Further I would suggest to completely ignore that company.

 

The people behind it are the same people who ran MCO Capital / Speed Credit / Toothfairy / CIM / Marshall Hoares / meddled in dodgy time shares in Cyprus / used to sell pornography / had some of their credit licenses involved / use highly suspect addresses to officially conduct their business from / got busted by the OFT for trapping people in subscriptions for dodgy credit record services / some of them have criminal convictions...

 

Need I go on?

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SImple reply to them. Demand a full breakdown of the account.

 

However, if theyve only sent something by email, play dumb and pretend the email address is not used anymore.

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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