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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
      • 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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First step Finance - **BANNED DIRECTORS STOLE +£6M**


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Hi well done PCB. Glad you got it sorted before the previous employees took it over. So many people have paid so much over the years that company started and still find themselves in a mess because of them.

 

Again, well done to you.

 

DG xxxxxxxxx:-o

I have no legal training my knowledge comes from my personal life experiences

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Hi PCB,

 

That is fantastic news and you must be so relieved. I know what a nightmare you had at the beginning and I am so pleased that FSF finally got their act together for you.

 

Thank you for the compliments, and thank you too, nancysmile. I feel quite embarrassed, and I'm only glad if I helped.

 

DDxxxxxxx

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You did DD xxxxxxxx

I was so so so so lucky to get all my money back plus what they had paid out to my creditors..that was down to my involvement with the OFT and fortunate timing.

It has taught me a lesson, which I thought I knew already but if something sounds too good to be true, it is xxx

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Just to say thank you for your help diamondgirl and Desperate Daniella during the last couple of years or so, and I'd like to wish you both and nancysmile a wonderful Christmas. In fact, festive seasonal greetings to all on CAG! Hope some more on here become debt-free very soon too!

 

PCB xxxxxx

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Hello PCB and I am so pleased to hear that you are free!!!

Welcome Finance that has to be the most ironic name ever BTW

I think FSF sorted themselves out in so much as they were trying to sell the company ..there seems to have been some manoevers but at least it meant they got their act together.

Desperate Daniella well done indeed xxxxxxxxxxxxxxxxx

 

:-) I tried searching for the thread "Welcome Finance", but when I clicked on that name it just came up with the FSF posts again... so not sure what to do. But just briefly, I can now afford to pay the debt to them outright, but not sure if I should let them stew a little bit and do some negotiating. Think I'll ring them and ask what is the minimum amount you'll accept if I pay it all in cash now? To be fair, they have frozen interest for about the last four years. Or is it best to write to Welcome (agree it is an ironic name!) and ask for the original agreement via a DSAR? It goes without saying that I shan't use any 'debt management' co or anything like that!!

Edited by Poor-Credit Borrower
typo
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Hi nancysmile, I have now sent a post in one of the Welcome Finance threads. I did mean to enclose the link to that thread here, but I forgot to and have now closed the window - sorry! I have chosen a thread where something has been happening in the last month or so and not 3 to 5 years ago! If you or anyone else searches for one of the threads which includes 'PPI claim' too you should be able to find it :-) and it will have a post of today's date! It does include a question about PPI from WF too. Thanks x

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Hello PCB

Just had a thought about an unenforceable debt becoming enforceable which sounds weird to me. FSF would have charged you 25% of the debt as a write off fee. Did they refund that fee when the debt became enforceable again?

 

Welcome at one point were taking 20p in the pound I believe and I am sure they will be open to a full and final settlement as opposed to small monthly payments (I got this advise from someone who knows)

Hope it helps

Nancy

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Hi Nancy, I have just written a long reply to your helpful post but have lost it because of computer/internet problems. Haven't got time to re-compose the message now sorry, but yes they have charged 25% for "non-persual" of the debt. If I get time later today or tomorrow, i'll reply more fully.

PCB

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  • 5 months later...

An important announcement from the FCA for all customers of this company and all associated trading names.

 

 

http://www.fca.org.uk/news/important-information-for-debt-management-customers-of-debt-help-advice-ltd

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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as we've seen with other announcements like this

 

if you start getting calls from other companies

'claiming' to have taken on their old portfolio

and trying to get you to now pay them.

 

CHECK OUT THE DEBT VERY CAREFULLY

 

ask here for advice

 

NEVER EVER EVER talk on the phone about yours debts

 

tell them IN WRITING ONLY

 

and put the phone down

 

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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Debt Help and Advise aka First Step Finance and other associated companies have finally gone into Administration all staff have lost their jobs. Dont pay any more money to any of them and make sure your d/d, s/o etc are cancelled as no money will go to any creditor

 

DG

I have no legal training my knowledge comes from my personal life experiences

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Hello DG

Yes I just heard of this on Weds :O(

I have a friend who has about 3k in his 'pot' so I just hope he can get this back.

Apparently the Whitehursts went in to tell the staff, even though they were supposed to have sold FSF. Dodgy/not transparent till the last I think.

Nancysmile

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  • 4 weeks later...

It appears that they have oft it to Spain. Looks like none of the staff are going to get a penny either. Im sure that all the bosses involved will have made sure they have money in the bank thats the type of people they are.

DG

I have no legal training my knowledge comes from my personal life experiences

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I agree, they have ruined so many lives. As with most of these type of people they squirrel the money away and presto they get on a plane and get lost. Her hubby has been bankrupt before and I understand everything is in her name so its possible she could end up going the same way, money probably in the kids or family name so nobody can get it

DG

I have no legal training my knowledge comes from my personal life experiences

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