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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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    • 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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Minicredit -advice please


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Took a £100 loan from this company. Offered them a settlement of £150.00 and have received the following emails from them today... Are they allowed to do this?? Please can someone comment urgently as to where to go from here.... My Hubby getting very stressed and just want to get my mess sorted as soon as so we can get on with our lives... Thanks CAGGERS!!

Please read the loan agreement you accepted when taking loan from us. Thank you.

Principal: £100

Interest to date: £57,50

First late payment charge: £25 (added 1 day after due date)

Second later payment charge: £55 (added 3 days after due date)

Debt collection charge: -£100 (added 30th of days afte due date)

Total balance today: £237,50

We are not able to accept the settlement offer you made however if you make the payment today then we'll remove manual debt recovery charge £100. The settlement balance would be £237,5. This is last offer from us otherwise we'll forward your case to our lega team. Thank you!

The charges have been added to the loan balance according to the Loan agreement.

 

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Took a £100 loan from this company. Offered them a settlement of £150.00 and have received the following emails from them today... Are they allowed to do this?? Please can someone comment urgently as to where to go from here.... My Hubby getting very stressed and just want to get my mess sorted as soon as so we can get on with our lives... Thanks CAGGERS!!

 

Please read the loan agreement you accepted when taking loan from us. Thank you.

 

Principal: £100

Interest to date: £57,50

First late payment charge: £25 (added 1 day after due date)

Second later payment charge: £55 (added 3 days after due date)

Debt collection charge: -£100 (added 30th of days afte due date)

Total balance today: £237,50

 

We are not able to accept the settlement offer you made however if you make the payment today then we'll remove manual debt recovery charge £100. The settlement balance would be £237,5. This is last offer from us otherwise we'll forward your case to our lega team. Thank you!

 

The charges have been added to the loan balance according to the Loan agreement.

 

 

Hi stupid1

 

This is pretty normal bluster that you get from these companies to start off with. I have never dealt with this lot so don't know how they will proceed. However will they really go to court over a £100 debt? I suspect not but you never know. Personally I would make a fair monthly offer (that you can afford) to pay the £100 plus one months interest and to point blank refuse to pay any more. If worst came to worst you MAY lose in court and have to pay a monthly figure you can afford anyway.

 

.I think you will have to stand up to them as they are taking the you know what!

Good luck

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Hi got home from work and received a letter as below:-

 

We have no alternative but to escalate the matter. If full payment is not made by close of business on the 10th October 2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you 15th October 2010.

 

Can they send an agent to my home??? I thought only a court could action a bailiff?? Also the amount on the letter states total balance due 333.5 when by email is states 237.50. Can anyone advise please!! Starting to loose my marbles with all this. Thanks

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they will increase the amount as per their agreement, its a joke. door step collector? rubbish, its against the law. they have to take you to court, win, get an order, you've got to break the order and then they can send in a bailiff. bunch of liars, just contact them to come to a fair agreement so you can sleep tight,

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[quote name=

We have no alternative but to escalate the matter. If full payment is not made by close of business on the 10th October 2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you 15th October 2010.

 

 

oh dear OFT breakages there they cannot tell someone to come over and demand payment I would complain about this to them but contact them (by letter or E mail) offering a payment plan on your terms dont let them bully you into an unfair payment .

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Hi today I have composed the following letter to send to Minicredit, and further comments/advice would be welcome!!

 

Minicredit –

Re your letter dated…….. I have serious concerns re the wording of your letter

Quote

We have no alternative but to escalate the matter. If full payment is not made by close of business on the .......2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you ....... 2010.

Unquote

To enable you to send a bailiff to my home you should in the first instance take me to court, win, get an order, I then have to break the order and then you can send a bailiff. I will not be bullied into making a payment to yourselves. I feel your charges are unjust, and am offering a repayment plan of £... per month without interest or charges being added until account is cleared OR a full and final settlement of £....... - £..... more than I borrowed. I believe your letter is breaking OFT guidelines by the threat of sending someone to my home and demand payment, so a copy of this email will be sent to them. I am also formally requesting a full breakdown of the charges including full dates that interest was applied and at what interest rate on each date.

I await your urgent response today.

ALSO: The 2 communications I have had from them state different amounts owing, any advice on how to play this one.

THANKS

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They can instruct a debt collection company to try and recover the debt.

 

this company can only knock on your door and request payment, they are not a balliff, but may try scare tactics (not illegal as long as they dont harrass you) they can threaten you with court, removal of good CCJ's attachment of earnings but all of the above must involve a court hearing 1st. most payday co will not risk a court hearing.

 

I dont say the above to sacre you just warn you not to be intimidated.

 

If the company mini credit instruct are independent you may even be able to arrange a repayment plan through them to suit yourselves better.

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Hi there, personally I wouldn't give them so much information in your letter. I would tell them you are offering £150 as a full and final settlement and payment of that sum is available immediately. While they state the charges are as per their terms and conditions of the agreement, this does not automatically make them fair.

 

They won't take you to court as they wouldn't like a judge to be looking at their monstrous charges!

 

Stand firm, offer £150, end of story. If you need help wording the email, please let me know and I'll happily draft one for you.

 

Ell

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Received a letter from mincredit headed "Final Notice Before Legal Action"

 

It goes on to state "If we are unable to debit the full amount on the date stated we will start legal action against you on xxth Oct"

 

This letter is not Dated and also has an incorrect Amount Overdue (as agreed by themselves) and also has no signature either

 

Am I right in thinking this letter is not legal or at best been incorrectly issued??.

Also should I have received Default Letter before this letter???

 

 

Many Thanks

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  • 4 weeks later...

Silence!!! Not heard a peep, no emails, no calls, no door step collection... I have given up emailing them at the moment, because they dont reply... I have proof of every email I have sent them. Whats your situ at the moment?

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  • 2 weeks later...

Nothing total silence, emaild them again yesterday requesting they give me a full breakdown of their charges as £100 loan is now £378.00!!! :-x

They just not bothering to reply to any of my emails. I am making token payments when I can but this doesnt seem to be reducing my balance by the look of it. If you are going to pay them off what is it that concerns you?

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I really can’t believe this company is still trading as the way they go about things must be illegal. Where are you at with these sharks Stupid? Had any visit from there imaginary doorstep collectors.

Do you think they will go to court? The issue I have is I have told them I will pay but thinking about it now it’s going to cripple me financially as they are asking for over 3 times what I borrowed however I cant deal with there threats….

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Golden rule i have devised for payday loan companies is

 

Original loan amount PLUS one months rollover fee

 

That is their lot, they may like to claim masses but basically they are on thin ground, should it go to court you can get their Particulars of claim questioned by doing a summary defence and admit only the original loan amount - include all emails to and from them and the case is usually dismissed - or recommended for mediation - in which case you stick to your offer.

 

If possible stick the money you have offered to one side on a monthly basis then if it does go to court you can prove that you could have paid them back the original loan before it gets to court.

 

Their threats are groundless, if they did try to carry them out you can counter sue them for harrassment.

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