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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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Help with Wonga please!


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Hello, I posted a few days ago seeking advice however got one response which was not helpful at all. I'm hoping this time to get more responses.

 

On 24th November, I took out a Wonga loan for £100.00 it was for an immediate cost, and I know I was stupid to do it, but everyone is entitled to a mistake or two. Due to cashflow problems I have had to roll over the loan and it was due on March 1st, I recieved an e-mail saying I could have extended again but cash is that bad I couldn't even afford that.

 

I owed £206.26 on the 1st March and now £20 has been added to that for failed collection. They sent me another e-mail asking me to get in touch and pay, problem is I can't, not until I sort my finances out, which is I don't know when.

 

I am self-employed and having an absolute nightmare with invoices and money collection. This is affecting my personal health a lot and my partner has also recently had an operation so I'm trying to give her as much time as possible.

 

They only have my personal phone number which is the same as my work and funnily enough the phone is broken! So they can only reach me by E-Mail.

 

What do I do? Any advice is welcome. Please Help!

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Hi BPJD

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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posted inthe wrong forum

 

 

p'haps why no responces

 

moved to payday loans forum

 

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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Hi there

 

Firstly you will need to get in touch with Wonga regardless of your situation. Send them a letter/email telling them your situation has changed and you no longer can afford to pay the loan upfront. Ask them to consider a payment plan (whatever you can afford) at the same time asking to freeze interest/charges. You need to do this soon and keep all correspondence sent/received. Once you have done this post again here and let us know what's happening. Best of luck x

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Hi again, see below for wording of my email to my PDL's, amend to suit your situation. I would email to both departments so you can be sure that it will be received!

 

Dear PAYDAY LOAN

 

Unfortunately I cannot now afford to agreed monthly payments because XXXXXXXXXXXXXX. Also, the interest on payday loans has made it impossible for me to now pay off lump sums on a monthly basis. I only have a monthly sum of £XXX left for my creditors. I am willing to pay the original loan of £XXXX plus one month's interest. The offers I have made have been worked out on a pro−rata basis.

In view of my circumstances, please would you agree to temporarily accept a reduced offer of £XXXX over XXX months. If charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe you.

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Hi, So I sent what you advised. It took them until tonight 07/03/2011 to respond simply.

 

'Please call collections'

 

What now? They don't seem to be playin the game.

 

Thanks again guys

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Hi,

 

Resend your email to the following BIG CHEESES at Wonga. [email protected] - [email protected], [email protected]. Ask Wonga for there bank details so you can pay them directly or by standing order.

 

Open a new account to channel all your funds into as most PDLs will pilfer your account even with a repayment plan in place (Don't give these new bank details to any PDL). If/When Wonga accept your offer, request there acceptance in writing (email). Good Luck :-) TT.

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Hey guys.

 

I e-mailed the bosses like you suggested. Shortly after the same night I e-mailed, I got back a very co-operative response with a very affordable payment plan attached.

 

Thanks alot for everyones advice.

 

This site has proved to be an invaluable resource!

 

:)

 

Kind Regards BPJD

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