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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
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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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Query re Irresponsible Lending


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Hi There

 

Just a quick query.

Back in 2011 after a couple of years in the payday loan cycle I just couldn't keep up all of the interest payments to the large number of payday loan companies I was with.

 

 

I was in a DMP at the time for a number of credit cards and stupidly got stuck in the payday loan cycle.

I tried to add the PDLs to my DMP but Payday Express refused to agree to this because I shouldn't have taken on any further credit while in the DMP. I wasn't aware of this and my financial situation had become dire so I resorted to the PDLs.

 

I was thinking of going down the irresponsible lending route with PDE

but I am put off because I don't want to stir up any issues as I have been PDL free for a couple of years now.

 

 

I had a number of loans with PDE and rolled them over regularly.

They emailed me regularly saying that I wasn't using all of the credit available to me.

I always paid on time up until mid 2011 when I had to admit defeat.

They never registered a default and as I said I finally paid them in full.

 

Does anyone think it's worth pursuing or should I just let sleeping dogs lie?

 

Thanks in advance for any views.

 

C

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  • 2 weeks later...

What do you want to achieve?

 

You say they didn't put a default on your files, have you checked?

 

Did you have any PPI or did they add any fees/charges?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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if you had lots of other debts and defaults then they should not have lent or rolled over the loan

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for replying dx. There's definitely no default on my cra just loads of closed loan accounts. There were 5 defaults on cra and 1 payment arrangement at the time of all loans with PDE. And as I said in my post I was in a DMP when I took the loans out. They definitely shouldn't have loaned to me so irresponsible lending is a potential route. But as they said it was my fault for taking out the loans while in a DMP when I tried to add them to it I am thinking I will probably get the same response now.

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  • 3 weeks later...
Hi there. Thanks for your reply. I didn't tell them but they didn't ask.

 

OK, I'm not clued up on PDL's and the procedure they use to lend money, but surely they would have asked about your I&E?

 

And on your expenditure it would have flagged up these other PDL companies, and they would have seen you were already robbing peter to pay Paul and in a cycle of debt?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Sorry for not replying sooner I have been working away. They asked for income but never expenditure. The loans were all in 2010/2011. However if they had done proper checks such as looking at my credit file surely they would have seen that was the case? My biggest concern is the issue about being in a DMP at the time of each loan and their response when I wanted to add the outstanding debt to my DMP. There is definitely no default on my credit report. As I have been payday loan free for a number of years now I don't know whether to pursue the irresponsible lending route or whether to just let it go.

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