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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
      • 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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Minicredit -advice please


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Hi people.

 

Thought you might be interested to know my situation with mini-credit.

 

I originally took out £100 loan. My current outstanding balance is £607. I have made many many offers, who h they have declined. I was making headway on the telephone with a 'Manager' called Maria. They have postponed the doorstep collectors (which, after reading all this thread, I can safely assume, don't exist) until the 22nd, due to the fact that I would potentially be phoning them again on 21st, to make another offer to settle the account. However, I can't really afford to loose the money I would pay them. And after reading this thread I am suspicious, to the fact that they will then have my bank details, and because its an agreement over the phone, they may simply take that amoubt, and then continue to take money out of my account until the whole balance is paid off. Which at this moment in time, would cripple me financially. With regards to the original loan amount, I have offered them £245 when the loan stood at 550 and they refused. They wanted at least 270, which I couldn't afford at the time.

 

I have dealt with many pay day loan companies in the past. At least the others retained some kind of professionalism!

 

I am now inclined to sit tight like Delboy01 and wait for court summons, rather than give this lot a penny if my much needed cash right now!

I don't trust a word they say after reading this entire thread.

 

Peace and love

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Dont give them your account details, ask for their bank details, keep that email and their reply

In fact keep all your communications Email, letters.

I would communicate with them by email. Do you have their email details ???

Talking on the phone creates more pressure and worries.

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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Hi Mindsurfer

 

any luck with mini credit i rang them saying that i wasn't able to make full payment advised they do not do rollovers and that the 210.00 oweing in 30 days if no payment was made would increase to £600.00 i dont know what to do nor can i pay it

 

Matt

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I'm having a similar problem with this company. However, I'm confident that if they were to take me to court they wold lose and that such an outrageous claim (£600, possibly more now, for a £100 loan. Expecially as i only got £80 anyway due to sneaky charges) would basically prohibit them from having their credit license renewed.

 

Been threatened with the mythical doorstep collector, yet to receive a comical court summons though.

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They may well lose in court but i really don't see how small claims court outcome would have any impact on their credit licence.

I'm having a similar problem with this company. However, I'm confident that if they were to take me to court they wold lose and that such an outrageous claim (£600, possibly more now, for a £100 loan. Expecially as i only got £80 anyway due to sneaky charges) would basically prohibit them from having their credit license renewed.

 

Been threatened with the mythical doorstep collector, yet to receive a comical court summons though.

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They may well lose in court but i really don't see how small claims court outcome would have any impact on their credit licence.

 

Because the authorities will see they are abusing the terms of their license by making absurd claims.

 

It isn't guaranteed that this would happen but what they're asking for makes them no better than a loan shark.

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HEY EVERYONE.

 

Thought just update you all and ask a quick question.

 

Has anybody had any doorstep collector visit from Mini-credit? I've now received the letter, with a time frame that the collector may visit! Got the letter delivered today, but apparently they may call between 26th of April and 3rd of May!

 

The letter also stated the threat of Legal action too.

I'm going to sit tight, possibly make them ANOTHER settlement offer next week. I've had no reply to email that I've sent.

I'm not going to be bullied into paying any amount because of a threatening letter, I'm more than happy to settle for a lower, reasonable amount, but I'm also willing to go to court over this debt, because of the underhand tactics, and threatening actions of this company.

 

Please respond at your leisure

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No doorstep collector called despite 2 threats of it in letters which I have kept. Send the "I do not wish to make an appointment" letter back to them.

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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Doorstep collectors have no legal right to call on you or collect money from you, they are not even 'employees' of the companies they collect for (in many cases) and they are on a commission basis salary so can be very aggressive. They have no right to come in, 'assess your assets/lifestyle' or demaind you sign anything on the doorstep.

 

You can report them for harrassment to Trading Standards and the Office of Fair Trading for that letter.

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Yeah, just to echo what's already been said.

 

Doorstep collectors have literally no rights whatsoever so don't be bullied by the letter. Also it's illegal, as also been stated.

 

I think these phoney letters instead of real action indicate they know they are on shaky ground.

 

Sit back, enjoy the sunshine and wait for them to be sensible.

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  • 1 month later...

Pass the details to

 

http://www.consumerdirect.gov.uk and http://www.tradingstandards.gov.uk immediately

 

They CANNOT justify turning £150 into £910, they can make you bankrupt with that amount should they like to try (it will cost them dearly though and they could loose their CCL licence.

 

Their contact details (according to suspect website which doesn't show licence nos or proper address..) are on this link...

 

https://www.minicredit.co.uk/contact

 

Try also reporting them to ripofftipoff.co.uk as they might be able to stop them piling on charges and atrocious interest and fees, they can't do all three as it is unfair in the extreme.

 

Keep everything in email and you will have concrete proof of their attitude. Phone calls won't help and will only cost you money.

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Out of interest googling their mailing address brings up an Italian restaurant at the address... another thing to add to the complaint, Microcredit (or Minicredit) doesn't even appear in the search for that address.

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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 im in the same situation and have been recieving emails as my loan is over due they have added 25 pound charge and a further 55 pound charge... i have offerd a payment plan but they are saying they will keep adding charges untill it is paid off...how did you do with yours did it end up going to court thankyou
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Hi ( Stupid1 OH here) they issued a court summons back in January, sent the defence in and since then nothing other than the 90p per day mounting up :)

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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I would need more info on a strikeout. The Court suggested a N244 but said "I dont know what you are gonna put on it". Also there are charges for a N244??

Edited by Delboy01

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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I would phone the court on Monday, I thought a N244 was for a variation, if Minicredit haven't somehow got judgement by default against you through some dodgy means then just ask what the delay is... if it is stayed ask if the daily interest rate is stayed as well.

 

I can help with the N244 - not sure if there is a charge, if you are receiving benefits then you don't pay a fee... I don't know what the fee is but you could check on the court website.

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  • 4 weeks later...

just what im getting from this awful company i paid 60 off a 100 pound loAn but they still added 55 quid in charges the 25 i accept as i was in hospital and was a day late !!! im goping to the financial ombudsman as i think they are just loan sharks. at lesast you got reply i never even got a reply from them

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Delboy, If you defended, you will have recieved a Question Allocation from the court. If you returned this, then Minicredit will have to of returned their QA in order for the case to continue. You should of been notified by the court if the QA had been recieved.

 

Do as Sillygirl says, phone the court immediatley and give us a update.

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Right, also got myself into a right mess with these idiots. I've been reading posts on this forum to try and calm myself down every time I get one of those threats and thought I'd tell you what's happened with me.

Had a £100 loan which is now standing at £586. I have moved back with my parents and the letters have gone to my old flat. The landlord has posted my stuff including a letter dated 2 weeks ago stating that they will now start legal action.

 

How long is it usually before receiving this and getting the summons? I'm trying to stop myself getting a CCJ as my old student bank account expires soon and I will need a decent credit score to have a new account. If I have at least just over a month or two I can probably find the cash to pay it in full on receiving the Summons.

 

My parents are so strict with money. If they found all this out they would go CRAZY. I have 6 other payday loan debts and all of them have agreed to repayment plans.

 

Anyone had offers accepted when the balance is similar to mine? At a stretch I could do £250.

 

Help!!!!! Thanks

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Under Section 87 of the CCA Act which deals with loans like this you actually owe £100 + ONE MONTHS INTEREST - NOTHING MORE.

 

Complain to the Office of Fair Trading as they are compiling a file on these twits, they continually flout the guidelines on debt collecting.

 

If you feel brave send them an email stating they can have £200 and be done with it.... you do NOT OWE THEM £586. Should it go to court they will be flattened.

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