Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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

advice needed on sending CCA requests to payday companies **


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4817 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am after advice on how to go about sending CCA requests to payday loans and catalogues. Here is my situation:

 

1. Quickquid loan- owed £1069, currently with mckenzie hall repaying at £15 per week with standing order- originally a loan for £900.

2. Wonga-owed £700, currently on repayment of £10 per week with standing order, roughly £600 left to repay.

3. Txt loan-owe £100, with interest £117 is due to be repaid on the 12th of this month.- they have my current card details.

4. Payday express, owe £400, rolled over once already for £100, now £500 due to be repaid on the 15th of this month- they have my current card details.

5. WDA, owed £350, on repayment plan of £40 per month by standing order- one payment left of £59- however this includes £36 set up fee for the repayment plan- due to be repaid on the 6th of this month- unable to make repayment- nothing heard from them as of yet.

6. PDUK- owed £550,on a repayment plan of £50 per month by standing order, £200 left to repay, due 6th of this month.Been given until tomorrow to pay or further collection procedures will commence.

7. Additions direct ( catalogue )- £900 owed, missed two payments now on repayment plan of £66 per month as they would not except any lower amount- to be paid 22nd of this month- £450+ of this debt is made up of late payment fees accrued over the last couple of years.

 

I also have three credit cards which works out at about £45 per month in repayments and a personal loan of £150 per month.

 

I am currently on maternity leave and receiving £125 per week plus £20 in benefits. I very very stupidly and out of desperation took out the payday express and txt loan whilst on maternity leave without stating that i was on maternity leave- i know how stupid this sounds, but believe me it was pure desperation- to pay household bills after my partner due to personal reasons was unable to make this months rent and council tax payments.

All other companies are aware I am on maternity hence the reason for the repayment plans.These loan were taken out last year with the view of having them repaid well before I went onto maternity but due to a combination of having to take my maternity leave early- baby was premature and other unexpected bills they were rolled over for several months.

 

My plan was to send each company a CCA request just to bide me some time until next payday when I can continue with the repayments.

 

However as the due dates for most of these loans are within the next day or two would I be best to email them to let them know I have sent a CCA request- I have them written out and ready to post today- and that I shall be refraining from making any further payments until valid CCA's are received and then I shall continue with repayments- this may stop them from phoning all day long.

 

Should I copy every company onto the same email so as they are aware of exactly how many creditors I owe to and I am not favouring one over the other.

 

Please believe me that I am not doing this as a way of avoiding my debt-if valid CCA's are received then I shall restart payments somehow. It has just got to a point where there is now no money left to repay anything this month- council tax and rent alone was £400.

Link to post
Share on other sites

Hi, clare.

 

I have unapproved your two posts you posted on another thread as you seem to have started this one ok.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...