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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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Wonga.com debt claims


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I have used Wonga.com for monthly PayDay loans for the past 26 months. I realise that their charges are high, but application is very straightforward and precise cost is made known before you confirm the loan.

 

I have never had any trouble with the company prior to this month, but, in January, I changed my bank account debit card from a Maestro to a Visa Debit card. I duly updated the primary payment card details on my Wonga account to match the new card and I thought that would be the end of it. I was then able to borrow an amount in early February because my account at Wonga showed as paid up for January. However, Wonga then started sending me emails and postal letters saying that they had been unable to collect the settlement for my January debt. Eventually, over a week ago, Wonga took the owed amount, plus some eighty extra pounds, which I presume was their charges for alleged default and extra interest from my bank account. Although I have emailed them perhaps eight times they continue to harass me by email with the following letter demanding payment of nothing!!!

 

We wrote to you recently to advise that your loan repayment was declined by your bank and was overdue. We have still not received payment from you and your account is now in serious arrears. You currently owe -£0.00.

ACT NOW!

Interest is continuing to accrue on your loan so we urge you to contact us as soon as possible. Give us a ring straight away on 0844 842 9109 to discuss the matter and settle your arrears. We can then get your account back on track and you we can rebuild our trust – it’s not too late to do this.

 

 

PROTECT YOUR CREDIT RATING

Remember the ongoing risk to your credit rating by not repaying the money we gave you. Your credit rating was clearly good enough to borrow from us, so we urge you not to risk damaging it by not taking any action.

Continued non-payment will cost you more and you may also face formal action from us to recover this debt. Call today to avoid this.

 

 

Yours sincerely,

Collections Department

(Edit)

 

I cannot use the phone because I am deaf and they will not allow anyone else to speak to them on my behalf.

 

Can anyone suggest a solution to this, before they succeed in ruining my credit record over a debt of 0.00 pounds?

 

Thanks

 

stillme

Edited by maroondevo52
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I cannot use the phone because I am deaf and they will not allow anyone else to speak to them on my behalf.

This is to your advantage.

We always advise keeping ALL correspondence in WRITING only.

You then have a permanent record of exactly what has and has not been said.

Also, phone conversations often lead to people making unrealistic and unresonable promises because they feel under pressure.

 

I will move this thread into a forum where you should get the help that you need.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Hi Stillme

 

Unlikely Wonga will register anything with CRA's. Just keep an eye on this.

 

I would write to them as a formal complaint and give them a set time period to resolve. I would expect my £80 back.

 

However whilst they have your bank details I would be tempted to report card lost/stolen and get a replacement. Who knows if they may 'dip' in to your account again.

 

Sounds like they have a lost a 'rare' satisfied customer.

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  • 2 weeks later...

i informed wonga i would be missing a payment and requested a payment plan with no telephone conversations just email or writing only.

at first i got a couple of the usual standardised letters saying to ring them but eventually they gave in and emailed me a fair repayment plan online.

that was ok but after i agreed to it i got 3 other emails presumably from a different section of wonga one saying ring us,one saying repayment date was different and one with a monthly payment in dollars!

i had already scanned forums like this and realised the solicitors letters they send are totally bogus and ive yet to know anyone they have sent bailiffs to or to court.

getting money back they have nicked from your bank might be trickier..just make sure they deduct it from you agreement plan.

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  • 4 months later...
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