Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
      • 161 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
        • Like

Help to find a decent loan, never had a problem before until late payment


thk
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5738 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

 

I've just been turned down by a couple of the high street lenders after I had never been refused credit before. So I decided to check out my credit file, I have green account satisfactory comments going back years but now I have one late payment fee for a credit card, it was a genuine mistake which is now going to cost me dearly for the next 6 years.

I thought I had cleared the full balance in full the month before but there was £15 and a few pence left on the statement, I did not realise my mistake until I received a letter saying that I have failed to make the minimum payment of £5 and here is a £12 charge.

 

I paid the full balance which had now gone to £28 over the telephone immediately after reading the letter, thinking that would be it but now this late payment comment for failing to pay a Fiver minimum payment is going to cripple my chances of getting a normal rate loan for the next 6 years, right?

 

I've been passed onto freedom finance by a loan comnpany I applied to who telephoned me this morning, I gave them all my details but after checking out there website I see that its a secured loan which I do not want and at the bottom in their small prit there is a broker fee of £819 :eek:

 

On the amount of loan that I want £5k I would expect to pay only around what they are charging as a fee in interest only but I'm expecting them to come back to me to say I'll have to pay £7-8k+ back including fees and interest if my calculations are correct and there is no way I'm paying that!

 

What is my best option on who to apply for? Or is it going to be the most expensive £5 that I have forgotten ever and I am stuck with these rip off companies until my late payment on my credit file vanishes many years away?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...