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    • TBH gotta be quite frank here as much as we hate BM world. why didn't you not simply change the battery? or come here FIRST before launch a court claim? or let them do it.? a flat battery is gonna be a hard case to win +£500 on     
    • Hi all, thanks for the feedback. I have now made the final amends and included the supporting evidence in this final version of the WS / court bundle. Attached is the redacted version of this final WS / court bundle. If there is any further feedback, please do let me know. If not, I will get 2 copies printed for posting - 1 to the court and the other to Evri. Final Draft - Witness Statement and Court Bundle redacted.pdf
    • We dispute the claim on the basis the claimant has made not efforts to mitigate their losses, nor did they obtain any prior authorisation. The claimant purchased a used Mini Cooper Convertible from our dealership on or around 21st April 2023. On or around 23rd April 2023 the claimant notified ourselves that the vehicle had failed to start, the claimant had since had this diagnosed as a battery. The Claimant proceeded to book their vehicle with Stephen James (BMW/Mini Main Agent) and authorised a battery replacement and paid a total sum of £597.42, the claimant obtained no authorisation for this cost beforehand, and has since tried reclaiming the full amount. We have advised the claimant we would not consider the cost of the unauthorised repair he has had completed. Had the claimant returned the vehicle to the selling dealer, it is likely we would have offered to replace the battery at no further cost to themselves, we have therefore agreed to offer a contribution of £165 towards the repair. This cost is in line with the cost of a replacement battery had the vehicle been returned to ourselves.    
    • You can only get a CCJ if you lose the case and then stick two fingers up to the court and refuse to pay. Even in the very, very unlikely event of you losing, as long as you paid within the 30 days ordered by the court you wouldn't get a CCJ. But you've come here very late and we need the sticky filling in please.
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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

Problems with payday loans **


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Hi,

The information that i have gained from this site has been invaluable. I have seven payday loans in total, i defaulted on six at the end of april and another at the end of may.

So far i have set up repayment plans with four as listed below:

Wonga- amount £950.00- 10 monthly repayments

Lending stream £200.00 monthly payments of £40.00

Payday UK £175.00 monthly repayments of £50.00

Safeloans £360.00 monthly repayments of £90.00 (yet this has been agreed in email i received a default notice yesterday, they said that it is required by law is this usual?)

I owe about £600.00 to payday express, they will not entertain a payment plan with interest and charges frozen as i don't fit their required criteria, any ideas interest continues to accur.

I owe wage day advance about £350.00, only defaulted yesterday, i did set an email prior to default although i got no response will email them today.

I owe Quickquid about £1250, initially they agreed a six month re-payment plan, but keep changing the goalposts and are now offering a three month repayment plan which i just cannot afford, they also telephone me several times a day but i am unable to answer my mobile when in work. I interested in how people have managed to arrange a full and final settlement and how they have gone about this and if anyone has any other ideas.

 

Thanks

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No I didn't send over any of my personal info, if it was requested I wouldn't even think about givin them that anyway. From my experience and a whole lot I've read on here I think it's when you start offering over 6month plans with WDA start with all this i/e cr@p.

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call WDA only once, explain your circumstances....

if they ask for an I+E send 1, only show the amount you earn, and the aount you pay out, dont lit individual creditors!!

 

PAYDAY express - no one seems to match their criteria.

They are part of the Money Shop.

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i put the money aside each month, and when i had the balance, i called and paid.... they advised charges, i laughed, and told them they can either sing for their charges, or take me to court......

The agreed account was closed

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  • 2 weeks later...

Hi,

Just an update, out of my seven payday loans i had made arrangements with four, i am in email correspondence with WDA and hope to shortly come to an arrangement with them soon. Payday express agreed an arrangement of £100 a month with me with interest and charges frozen but i am still waiting for written communication from them until i make a payment and them there is quickquid who are forever changing there minds. Last week i agreed a repayment schedule over 8 months on the telephone, i got a call today saying will you set up a repayment schedule, i said i have one arranged over eight months. They said the best we can do is five months, they then changed there minds to six months. They acknowledged that they had notes saying that they had agreed to eight months but their customer service rep said that i should not have been told that and had been mis-informed by what i was told. QQ change there minds daily and i am unable to keep up with them. Yet it seems from this forum its par for the course.

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Further telephone call off quick quid today, they are now offering a repayment plan over 3 or 4 months which i just cannot afford. Has anyone been successful in reaching and completing a repayment plan with these jokers for anything over 3 months. They seem to agree one thing then change there minds, i am feeling so frustrated by them its unreal. I have thankfully managed to reach repayment arrangements with the other 6 companies.

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sorry about my english!!!! Just tell them u accept the 8 month repayment plan which tthey had earliar confirmed and just pay that. Youre best keeping everything in writing via email or letters x

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Hi

With regards to payday express for just over a month they wouldn't consider a repayment plan, kept saying that i didn't fit there criteria & did i want to defer, to which my response was always no, i want a repayment plan with interest and charges frozen. I emailed them every few days requesting they set up a repayment plan, after a couple of emails they stopped replying to me. Then last week i received a call from then from the debt management department of payday express. I said at the beginning of the conversation that i was only able to come to an arrangement if interest & charges where frozen. They said that from that point they where and asked me how much i could afford each month. I told them & they confirmed that the debt would be cleared in 7 months. I did ask for confirmation in writing which they agreed to & said that would take about a week. As i hadn't recieved that yet, i telephoned them today, they said it has been sent but if still not received by friday call them & they will send a copy. I am due to make my first payment on the 30 June, so won't be making any payments until i've got the agreement in writing.

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With regard to making payments to QQ i am unable to do this as they won't supply any banking details. I have emailed them again today detailing my dissatisfaction and frustration. I have now decided i have had enough & will not be speaking to them on the phone, i'll answer the phone but refuse to answer there security question and just correspond via email.

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