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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
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Hi all??

 

I am really starting to worry of recent times as my PDL are starting to get on top of me?? I currently have 4 and seem to just be constantly rolling them over and causing my self to go into more debt to live any sort of lifestyle. below i have listed the ones i have at this present moment!!

 

Cheque centres 1227

Quick quid 600

MEN 187

Wonga 341

 

I am able to roll these over this month again but i honestly need to set up a repayment plan for them. How do i go about doing this??

Should i contact them myself offering what i can afford each month on a pro rata scale?? or should i contact cccs to set it up??

Wondering what is my next step as this is beginning to stress me out and i am not able to afford to continue these payments much longer!!

 

Regards .......

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stop rolling them over

 

the most they can get from you is the cost of the loan + 1 months int.

 

have a read of a few threads in this forum

as i've moved you thread to the payday loan one

 

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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thank you!!! i have been reading quite a few of the threads! I have opened up a new basic acc with my current bank so i have a different acc no and debit card. Should i let the different payday companies that they will not be getting any money at the end of the month now??? Sending out my letters etc??

 

Marty

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You can do this yourself, read some of the threads on here which are very helpful.

 

One advantage using the CCCS has is that the payday loan companies can not hastle you at home or work, if they try tell them they are aware you are in debt management plan and if they try contacting you again you will report them to the OFT.

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cant close it as i have an overdraft on it but going to tell the bank to stop all dd and cancel the card and then get paid into my new acc!!!!

 

Seen some of the letters on here for sending asking for total etc is it worth while waiting till i default or starting the process now as i know i will default??

 

marty

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Yeah i think i will tell them!! was speaking to cccs today and they suggest that it could take to oct until they start to help me out but is it not better if i start proceeding myself asap??

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