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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 
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      • 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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Payday Advance Debts & My Credit Rating **


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Hi all,

 

What a great forum, only joined today as I see there is a lot more people in the same boat as me,

 

A while ago my partner lost her job so there was less of an income coming in

 

In total I have 3 Payday advance loans,

 

these are split as follows

 

  • H&T Pawnbrokers - £600 (This is cheque based rolled over every month @ £96 Rollover)
  • The Moneyshop - £750 (This is also cheque based and costs £120 every month to rollover
  • The Cheque Centre - £500 (This is debit card based with £100 to rollover every month)

My biggest issue is that I am able to cover the renewal fees for these each month but I am not able to clear any of the debt off which is my problem,

 

The biggest problem I have is tht I have a perfect credit rating and I am scared if I try any of the repayment options suggested on the site that they will black mark me as a default or settlement, Ive have never missed a payment for anything in my life but have exhausted all other options (personal loan etc before getting these pay day loans)

 

Any suggestions would be a great help or even if anyone has any experience of these companies and what they will do take,

 

I really need to keep my credit rating good so thats the biggest aim over repaying the debt, thanks

 

Thanks

 

Craig

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Hi there, although i have good credit, I should have maybe ellaborated a bit, my credit is good as in I have never missed a payment for anything but maybe not so good in my total exposure , for example I currently have 5 cards close to their limit and a personal loan, These pay day advances are whats stopping me paying extra to credit cards. So although I have a good rating its pretty much maxed out credit wise,

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So may I ask why protecting your credit rating is so important? In my experience it's unlikely you would lose any existing credit you have.

 

Remember any defaults disappear after 6 years anyway if you're thinking long term.

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Hi there,

 

The only reason im relaly looking to protect my xcredit rating is that my mortgage would be due for renewal of its deal in 3 years and having a default would ruin me for shopping around?

 

Is the best option jsut to bite the bullet and keep paying these?

 

Thanks

 

Craig

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CRM, If you have been rolling these loans over for some time, have you contacted them at all to see if they would arrange a repayment plan to pay off the debt ? 316 per month interest alone over 12 months is crazy hun x

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