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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.

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      Many thanks 
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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.
      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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CFO Lending - Complaint


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Ok, CFO lending have just responded to my complaint and said they basically agree they lent to me irresponsibly and were too harsh with collections.

 

They have offered to half my balance from 2k to 1k - removing interest.

 

Now they were my worst lender, I rolled over loans with them non stop for months, years. They lent to me even with a DRO. They did no checks at all and were horrificly harrassful.

 

I paid them zillions in interest and charges, and then they offered me CFO resolve, MORE credit after a year of defaulting which TRIPLED my balance with them.

 

I think I should take to the ombudsman, but could I expect a better outcome? Personally I think the loan should be wiped completely plus compensation. I mean my loans went like this:

 

200 - 250 - 450 - 550 - 750 - 900 with MULTIPLE months of rollovers in between.

 

Whats your opinion?

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Do you have a record of these roll-over loans ? CFO had a habit of charging interest on interest which made their published APR incorrect. I did a calculation for someone I was helping fight these cretins - it was reported to the FOS together with CFO's offer for their "resolve" service and their loan was written off. I can't get the example to sit in this post, so have affixed a pdf.

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Hi,

 

Yes, I asked them for a statement of account which shows exactly what I paid, however I know for a fact some of my payments arent on there but they are on my bank statement, and I know a lot of my loans were top up loans like you have shown

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Are you familiar with Excel spreadsheets ?

Help us to keep on helping

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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OK, if you set up a sheet in the same way as the example I posted you should be able to see how your interest rate has been calculated

Help us to keep on helping

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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