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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 
      • 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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Quickquid Payday loans


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Hi guys,

 

Hoping you can help me,

 

while at uni I like many had to live on these damn things,

I would pay one off then get another one out the same day to keep on top of the money which had just been paid back,

 

The other day I got a letter from Moriarty Law Solicitors threating court action,

like an idiot I agreed to pay back 50 a month to them for a 450 balance from a 300 pound loan, I can not afford to do this I made one payment and then stopped it.

 

Today I called up and explained the situation and the customer service agent was so rude!!

 

Quickquid unfairly lent me loans for a good 2 years I would say, without any means check and let me run up so much debt. I also have debt with 2 other lenders but they are not with DCA yet.

 

I understand there is a gray area once it goes to a DCA so could you please help?

 

I cant log into my account on quickquid either.

I know I borrowed it so should pay it back but Moriarty Law Solicitors won't accept a plan I can afford now I missed a payment.

 

This is just one of them -

 

As we have advised you previously in the Notice of Default, you have failed to make payments required under your Loan Agreement with QuickQuid or to contact us to take corrective action.

 

Loan: ....

 

Date of Agreement: 41507

 

Outstanding Principal: £250

 

Outstanding Interest: £208.44

 

Outstanding Late Fees: £24

 

Discounts & Credits: £0

 

Total Amount Outstanding: £482.44

 

As a result, we have decided to refer your account to a Third Party Debt Collection Agency who will be in touch with you in due course. Their information is listed below.

 

If you would like to make a payment, please contact the debt collection agency:

 

ARC (Europe) Ltd 01932 251842

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that was silly...

a DCA is not a bailiff

they have zero legal power on ANY DEBT.

 

never ever ring a DCA or their dogs.

 

I would suspect you can raise an irresponsible lending claims against QQ and any others that took out too

esp if your credit file was shot and you already had loans/rollovers.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?472423-CAG-PDL-Reclaim-Guide-Indepth-Step-By-Step

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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Hi CC - Welcome to CAG -

Sorry to hear that you had a bad experience.

 

Its time to go for a reclaim me thinks. Take a look at our guide - Any questions, please shoot - Im here to help :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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HI!

 

Thanks for your reply,

 

Yes was silly but I have paid most of my debts off now, so did not want to end up with CCJ.

 

In regards to reclaiming, I tried early 2015 and got this reply, which I have only just found in my inbox -

 

****** ******

 

Thank you for contacting Quick Quid. Please be aware in order to have a copy of a statement, you must write to the following: 483 Green Lanes London N13 4BS. You can also review the statements we've sent to you via email and they are also available online at quickquid.co.uk. Collection efforts will continue until the balance has been paid in full or an arrangement is set on the outstanding balance. Thank you.

 

If you have any queries, our Collections Department is here to help.

 

WARNING: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

 

QuickQuid Collections Team

Direct Line: 0808 234 4561

Fax: 0808 101 1381

 

 

 

Are my next steps to send them the letter? or do i need to request statement show I can see what loans I have had?

 

Thanks

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Send a DSAR ☺️

Require they send you a statement... They should also be able to send one via email.

They are not allowed to be obstructive as they appear to be in that response

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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yes its SAR

old habit s of typing DSAR die hard

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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NO go READ all the SAR posts.

 

ignore the powerless DCA.

I assume MMF? are moriarty's client?

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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Yeah, your correct they are.

 

I have read that, tad confusing sorry!

 

I wrote the letter out and it says send the money to end this request including the £10 fee to the address which your data holder has registered with the Data Protection Commissioner as the address of the Data Controller.

 

Which is QQ address so how am i sending this money?

 

Thanks

Edited by Chemicalcase
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post 3...sar thread...

its worthy to consider using a blank £10 PO

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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I am currently in the process of trying to claim refunds from nearly 17 different lenders.

 

I have found QQ fairly easy to get info from. I just called them and they emailed monthly statements within 30 mins.

 

However, they have only offered a pathetic refund which reduces an outstanding balance, so I will be going to the FOS.

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