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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 
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    • 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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Capital Resolve


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Does anyone know much about these or what type of debts they generally collect . Have they bought any loan books recently or are they strictly a DCA

 

I have had a generic email which obviously I will not respond to

Any opinion I give is from personal experience .

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These are a Payday loan company (CFO = Capital Finance One). If you have had a payday loan from them in the past and not paid it - they send these emails out in the hope you will take the "offer" to resolve the situation. Usually they offer you another amount of money while paying back the old loan - don't touch it with a ten foot barge pole! what happens is - you give them your new card and bank details, they then take the money for the old loan out of your bank and then tell you that unfortunately they can't approve the new loan advance. It's a disgraceful form of debt collection and I don't know how they get away with it !

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Have you not entered their name in the search box ? All I know about them I've learned from here and it's enough to have led me to same conclusion as Ellen, so there must be several threads.

The "Resolve" trick is not unique to them: R M A also do it.

It operates on the basis of conning you into believing they're releasing you from a trap when in fact they're just tightening the screws.

Absolute turnips.

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Oleg, there is nothing on here that could identify what the debt may be. They seem to be pretty broad in their coverage ranging from Anglian Trains to British Gas to nationwide

Any opinion I give is from personal experience .

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Well you've just answered your own first question about what type of debts they do. But afaik they pick up mainly "toxic" debts from p d l companies.

If I were you I'd simply wait for the next threat - sorry I mean "offer" - to arrive as it is likely to be more specific. If not, wait and wait again until one is.

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Fletch - was it this offer ?

 

IntroducingCFO Resolve….

You can now apply for CFO Resolve and get a weight offyour mind and up to £200 in your account today!

 

In aneffort to get your loan out of default with CFO Lending we would like to offeryou our CFO Resolve product.

 

By takingadvantage of this offer we will:

 

1) Removeall fines and interest currently on your account.

 

We take your current outstanding balance, includingall late interest charges and reduce it to the original that you initiallyborrowed!

 

2) Offeryou a small top-up.

 

We havean available £150.00 thatwe can transfer to your account today!

 

3) Setyour due date for you next payday.

 

We willset the repayment date for your next payday where you can clear the new balancein full or defer if you choose too.

 

4) Getyour account out of default with CRA’s

 

We willadvise the Credit Reference Agencies that we work with, that you have resolvedyour account, which may make applying for credit in the future easier!

 

The Resolve team has been specifically set up to help youget out of debt by reducing your balance.

 

Simply CLICKHERE and complete the simpleapplication form, be sure to enter your details correctly so we can get thecash out to you as quick as possible!

 

Kind Regards,

 

CFO Resolve team

 

 

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi Fletch - I see what you mean now. It's a bit of coincidence though - we have Capital Finance One Resolve and Capital Resolve hmmm wonder who the directors of each of the companies are ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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