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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
      • 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
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Confused!!Should I Get A PAyday Loan **


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Hi,

I owe my roommate some money, and she wants it back by the end of the week, since she's moving out. I don't have that kind of cash(180 pounds) right now, but i'll be getting my salary in 2 weeks' time. Based on the posts in this forum, I'm not very confident of going through with it. Should i just take the plunge anyway?

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My advice is NO!

Try and get the money some other way. Payday companies can be a pain to try and get sorted.

Wont your roommate wait till you get paid?

 

bub1

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No. You will begin the descent into Hell.

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Hi bub,

The thing is, we're not exactly parting on good terms, and i don't have much of a choice i have to pay her back. I'm pretty confident that i can repay the loan on my next payday. Do they give you trouble even if you pay the loan back on time?

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If you cant afford to pay her back till next pay day tell her this. You say you are pretty sure you can pay it back on next payday, have you taken into consideration interest added on? You might find you are short of money again and then borrow again. It is hard to sort once you find you cant pay it back I am just in the process of sorting mine, never again will I borrow like this. It is taking a lot of hard work sorting, writing letters to bank etc.,

 

bub1

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Have you considered talking to your bank? many banks will temp extend or create you an over draft for a few weeks for no or extremly very little charge!

Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Kittykat if you need money quick and you have no other sources of getting cash. I would do one of the following.

 

1. Go to The Money Shop or cash converters. This is only if you have a cheque guarantee card and chequebook. You will probably have to pay them £15 per £100 borrowed.

 

2. If you want to use a payday loan company on the internet and require payment today or tomorrow i would use PAYDAYUK (charge 25 per 100 borrowed) or PAYDAY EXPRESS (charge 20 per 100 borrowed).

 

None of these are advisable, but option 1 is your best bet if you can not get the funds elsewhere. Just do this as a one off otherwise your life will spiral into misery.

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Whatever payday company you use they will find a way of getting more money out of you - ie phoning you up on your mobile on some kind of reverse charge call, telling you the loan is in default when it isnt and continually threaten to call your employers and have funds taken directly from your salary before it gets to your bank account... all these have happened to people in the last few months, their business is suffering heavily.

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Hi there - I am living through this particular hell right now (as I am sure as others) and trying hard to climb out of the very deep hole they have me in.

 

It has already been said but to reiterate do not do it - nothing (even a mortgage payment) is important enough to be deal with these companies. Do not do it! Please! Once they have you in their grasps unless you are either immensely careful or rich (and if you were the later you would not be dealing with them!) they will suck you in and perpetual debt, harrasment and misery awaits. I am sure there are some that will say they have done fine with their "services" but many, many more have not.

 

Best of luck :)

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Thank you for all your suggestions. I have a couple of more days to decide what to do...and i'm going to think long and hard about it. Even if i go with a payday lender, i don't think Payday UK is a good idea, my friends have had problems with them. Thanks again for your support.

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Thank you for all your suggestions. I have a couple of more days to decide what to do...and i'm going to think long and hard about it. Even if i go with a payday lender, i don't think Payday UK is a good idea, my friends have had problems with them. Thanks again for your support.

 

 

Hi KittyKat,

 

Have you decided what you are going to do yet?

 

bub1

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Hey all,

 

Well, i did it. Things were starting to get ugly with the roomie so i had no other choice. I've taken a loan of £200 from Lending Stream, and they seem to be pretty decent. They have a couple of repayment options, so i'll figure it out as i go. Will keep you posted on my progress, please keep your fingers crossed!!

Edited by Kitttykat
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Hi T2upNorth,

Thank you so much for the input! I did some digging as well, and you're right-they don't seem as bad as the others. They've been around for more than a year now, so i figured it was a safe bet.

Edited by Kitttykat
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Hi T2upNorth,

Thank you so much for the input! I did some digging as well, and you're right-they don't seem as bad as the others. They've been around for more than a year now, so i figured it was a safe bet.

 

 

Best of luck kittykat - as with all others I'd steer well clear but we all have situations which need resolving quickly from time to time.

 

As a matter of interest, what are their terms/apr etc. ? Not that I want to use them but to see where they fit in this pool of sharks...

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Hi kittykat

 

As a done deal you will be ok if you pay back what you have committed to. If you treat it as a one off it is not the end of the world. Trouble is will you be tempted again, that is what they are after.

 

G

 

Good luck with your new digs and please make it a one off

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Has anybody had dealings with this company?

hi kittykat,

 

I'm stuck in a similar situation as yours.I came across your thread and found the conversation pretty interesting. So, tell me how reliable is Lending Stream? I know for sure that PayDayUK and PayDayExpress are not that good options. But still I have my reservations.

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