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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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Motormile buy CFO loan book


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The amount that CFO were claiming was £940 - Motormile are now claiming £32.67. I probably will pay this to bring the matter to a close.

 

 

OUR REFERENCE: M4591793

CURRENT OUTSTANDING BALANCE: £32.67

 

Welcome to Motormile Finance UK Limited (MMF).

 

Dear xxxxxxxxxxxxxxxxxxxxx

 

We write to inform you the CFO Lending Limited was placed into administration on the 6th of April 2017. Paul Boyle and David Clements of Harrisons Business Recovery and Insolvency Limited, were appointed joint administrators and your CFO account 223644 has now been sold to Motormile Finance UK Limited (MMF). Click here to download your goodbye letter from CFO Lending, please note you will need to enter your date of birth.

 

Whilst the conditions of your account will not change we are pleased to advise that, upon purchasing your account, we have removed any remaining interest, fees and charges from the original agreement. The balance noted above is therefore now your original loan amount less any payment you have already made to CFO Lending.

 

We have allocated a new reference number (shown above). If you have more than one account with us, the customer reference number should now be used in all future correspondence or contact with us for all of your accounts. Please find a breakdown of the accounts you hold with us below:

 

Original Lender Name

Reference

Amount Outstanding

 

CFO Lending 223644 £32.67

 

The transfer assigns all of CFO's rights as the owner to Motormile Finance UK Limited. Your legal rights will not be affected by this transfer and future contact should be made directly to MMF.

 

The effect of the legal assignment is that MMF now own the debt and perform all obligations as stated in your agreement, this includes the collection of any outstanding balance.

 

We wish to ensure the smooth transition of your account to us and using our expertise, our intention is to understand your current financial position and agree a suitable repayment plan that is affordable based on your circumstances.

 

You can securely manage your account online by visiting and follow our simple registration process. Alternatively, you can complete a payment mandate here and return to or to discuss your payment options please contact us on 0113 887 6876.

 

If for any reason you believe any of the information we hold for you is incorrect, you should let us know immediately.

 

Your statement of account will follow shortly, we look forward to hearing from you within the next 7 days.

 

Yours sincerely

 

Motormile Finance UK Limited (MMF)

 

 

 

Please note: if you choose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products.

 

We are authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated agreements.

MMF is the trading name of Motormile Finance UK Limited, a company registered in England and Wales with company number 06637307.

Our registered office is Protection House, 83 Bradford Road, Leeds LS28 6AT.

 

EmailID:[3055189]

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