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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 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
        • Like

Welcome Finance : Welcome PPI/ Charges. How to get some payback.


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Hi. My name is Alpwing and I've been suffering with Welcomitis for several years...

 

I have been following the forum for a few months, and buoyed up by the experiences of other users, I am preparing to "man up" and confront my Welcome issues.

 

As briefly as I can:

 

16/03/02 I took out a loan with WF...

 

£1500 Cash Advance

£170 Healthcare

£389.58 PPI

£65 Acceptance Fee

 

£2124.58 Total Loan

£132.30 per month

56.4% APR

24mth Estimated repayment period.

 

(just writing that down makes a now older and wiser man wince)

 

I was told, in no uncertain terms that they would not extend credit to me unless I took out PPI. This was not optional.

 

Payments went well. No missed payments.

 

22/01/03

 

Refinanced the loan because my partner became ill (very stupid move).

 

£1367 Amount used to settle existing loan.

£1000 New cash advance.

£150 Medicare.

£800.86 PPI

£75 Acceptance Fee

 

£3393 Total Loan

£155.42 Per Month repayment

45% APR

36 est repayment period.

 

Started off OK, but after 18mths I fell badly behind. They hit me with charges for anything and everything. I wasn't paying the loan off any more, just charges and the massive interest.

 

In May 06 I defaulted in a big way, having paid out £4500 and still owing £4200...

 

This debt is still outstanding, but they are no longer charging interest.

 

What I want to do is reclaim the PPI, reclaim the unlawful charges and satisfy the loan. I want this off my credit record too (wishful thinking).

 

I'm sending the template SAR, tomorrow.

 

Any thoughts or suggestions are very welcome.

 

Thanks for making a great resource, people!

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  • 2 weeks later...

Update:

 

On the 23/3/11, Mackenzie Hall searched my credit file. That's 1 day after WF should have received the SAR. Is this usual? I know MH are WF's chosen DCA, but the search was conducted without my knowledge or consent. Is this usual?

 

I have sent WF a CCA request which should shed more light.

 

Thanks again.

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  • 2 months later...

I've recieved everything back and I'm in the process of compiling a spreadsheet of all transactions.

 

What's clear is this:

 

There was lots of PPI paid in advance that I have paid subsequent interest on. I said I didn't want the PPI in the first place but the advisor (names are clearly apparent) told me I would not be granted credit without it. This is PPI reclaim case, right?

 

The agreement is pre 2006. Who do I complain to? FOS?

 

Despite paying them over £5k, they claim I still owe £9k+. This is compund interest and what appears to be unlawful charges (£20 here, £5 here, unspecifield "capitalisation" there). So which do I prepare to reclaim first and how do the two effect each other, if at all?

 

Any ideas as to the first moves from here?

 

Thanks.

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