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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 
      • 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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Payday Express - CONFUSED!!! **


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Hi Guys, Just a quick one:

 

Had a loan with Payday Express in May, couldnt afford to repay the loan in June, ive been emailing them ever since to set up a repayment plan and havent had any reply what so ever, i am constantley recieving calls from them, at least 7 times a day! Last week they send me a text message saying they were sending doorstep collectors in the next 3 days between the hours of 7AM and 8PM and they sent me this is an email aswell.

 

Today they have sent me a letter dated 22/08/2011 saying the following:

PAYDAY EXPRESS - FINAL NOTICE

 

Your outstanding balance is £255.00

 

Next action to be take by you: PAY THE DEBT IN FULL within 10 days of postmark

 

- Cash at any money shop store

- Debit card by calling our office on either of our free phone numbers

- Cheque/Postal orders, to the address below

 

Failure to clear your account balance will result in you being issued with a Default Notice served under section 87(1) of the Consumer Credit Act 1974. Default account information is registered with a credit bureau and recorded against your credit files.

 

Failure to clear your account balance may result in;

 

Enforcement action to recover this debt in the Count Court, which may lead to an attachment of earnings order to deduct payments direct from your salary by your employer, or bailiffs seizing goods from your property.

 

Payday Express instruct a Debt Collection Agency, which may result in a visit to your home to collect the debt personally.

 

YOU MUST CONTACT US IMMEDITLEY IF YOU WANT YOUR ACCOUNT TO REMAIN WITH PAYDAY EXPRESS. CALL NOW to discuss this matter with one of our account managers.

 

I just dont know what im supposed to do with this now, they dont reply to my emails and they say i refuse to speak to them!!! Does anyone know why they havent defaulted me already? i thought as soon as the 30 days are up they default you straight away?

 

Any help would be amazing!

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