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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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I would hope that this was purely an address check to make sure that when they send the money, it goes to the right place

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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In their email,they are requesting that I phone them with my bank details.

In December 2014,they did an identity check on me.When I asked them why,they did not know who I was and could I send them further details.That is correct,did a check on me,but did not know who I was.So I just sent them a screen shot of their check on Noodle.Then they said no one had done a check.The previous check and the latest one,are visible to third parties.

Just a couple of their emails from 2014.

 

Hi ,

Thanks for your email.

Please reply to this email with following details so we can assist you. Unfortunately we can’t seem to verify who you are at the moment.

 

Full name:

DOB:

Postcode:

Email address applied with:

 

You could also call us on 0207 138 8330 to discuss the matter further.

 

...............................................................................

 

 

Hi John,

We can confirm no manual search was performed on your account for a loan application this month. The last loan/search recorded on your account is dated February xx, 2012, for a loan of a xxx GBP.

We are liaising with other departments to check if they have requested any searches on your account, and will let know if anything new occurs. In the meantime we can confirm no fraud issue (unauthorized account access, ID fraud) had been detected on your account and no other account with your own has been recently set up.

 

Best wishes,

 

Customer Care

 

 

The search was finally removed after informing Noodle.

 

Regards,John.

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Give them bank details! Not a hope in hell considering the way they have treated bank details in the past.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Fedup....

I informed Noodle of what was going on and every time I received an email from Wonga,I sent the emails to Noodle,who removed the search from my file.

 

Silverfox.

They did have my bank details.But after repaying Speed Credit/Toothfairy,I was a bit concerned after reading about them (SC/TF) on CAG.So I went to my bank (Santander) and explained the situation,where a very helpful member of staff advised me to report my card as LOST.I just paid money into Wonga's bank account,which also presented problems,as a alternative thread will explain.But all settled now.

I think that I will send them a letter or email,asking for the refund to be paid as a cheque.

Part of the email that Wonga have sent me is below,there is also a section regarding how they have come to the refund amount etc,etc.

 

..............................................................

 

Back in June 2014, we began a programme of significant change to improve our service and ensure we are a responsible financial services provider. Working alongside the Financial Conduct Authority (FCA) we carried out an internal review that highlighted a number of shortcomings which we are working hard to put right.

 

As part of our commitment to putting things right for our customers, we have reviewed your loan agreement(s) and can confirm that a refund of £47.89 is due to you. We apologise for these mistakes and are making the necessary changes to our processes and systems to make sure they will not be repeated.

 

We need your current bank account details to send the refund to you. Please call us free on 0800 840 0836 to provide them. Once your bank details have been verified we'll send the refund within 21 days. If you haven't received it within 28 days, please contact us.

 

Regards,John.

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