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

FLM ..Help needed


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3702 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

Hello & Happy New Year to all

 

Long time since I updated this post so here it is ...

..letters continued to go back and forth to FLM with no response just the usual pay up or else ..

..texts & calls started again even after requesting they stopped ..

 

..Harvey Sturtt the white rabbit telphoned to speak

told them we request in writing they then went onto say we have no record of that !!!!!

 

Told them to read the letters sent and before we ended the call not having done any checks they said we will have to request the letters from flm told them to do that

..call ended ...

 

.Have recieved no letters regarding this but have recieved texts mess with various threats on them

the last being 23rd Dec 2011 threating papers arriving to us from them and court !!!! ( really scared !)

 

During this time the 8week proccess was up

so off went the letters etc . to the FOS

I have also mailed them with all the other texts that came through after we had sent the forms off .....

 

Today have recieved a letter from the FOS to state that they will be writing to FLM etc for there take on the matter !

This could however take another 12 weeks due to high volume of complaints that they are dealing with !!!

 

Must say that since the 23rd Dec 2011 we have had no further calls / texts or letters of any sort from them

not even the one from court which they said was going to arrive .

..thinking they might have gone quiet for a while I do hope so and als

 

meanwhile the payment has gone in from the loan borrowers DMP that started in Dec 2011

we continue to pay onto the account via pay point as well .......

 

Watch this space folks :)

The waiting game carries on ....lets see what they have to say about the FOS !!!!!

Link to post
Share on other sites

  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 4 weeks later...

Dear All,

 

I have no idea on how to start a new thread so I will say sorry in advance if I am stealing someone elses thread.

 

Basicaly I took out a loan with FLM in 2009 with a 60 month contract paying £180.66 per month. I have been lucky to be able to afford to pay the remaining balance on the account in Feb 2012. I was looking through my agreement and it said that I would be entitiled to a rebate for paying it off early! When i called to ask what the rebate was nobody knew what I was talking about. To date I had paid in the region of £5600 and only £1300 was towards the loan itself the rest was interest. The interest charged for two and a half years was £4200 approx. The total charge for credit on my loan was £5839.60. So in two and a half years I had nearly paid all of the interest. I had an email back from James Benamore who advised me his staff would not know what the rebate was as it does not apply as they do not upload the interest at the beginning of the loan! Funny that considering nearly all of the interest is paid off in just over two years. The total amount I have paid in this time is £9296.47. The loan total was only meant to be £10,839.60 for 60 months. What I am trying to find out is if I am due a rebate for paying nearly all of the interest at the early part of my loan? Also the interst rate charged has been more than what was stated in the agreement. Does this put them in breech of agreement?

 

I somehow think he knows I am right as I sent hime an email at 16.40 today and he responded at 16.47.

 

I am awaiting a response from James Benamore.

 

I will be grateful for any help.

 

Many thanks

 

Phillyg

Link to post
Share on other sites

see my sig below

 

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... 

Link to post
Share on other sites

Hi there

 

you will be lucky if you get any sense out of this lot

they are a shambles to the end and they give you no room either way ...

.report them to the oft and then report them to fos.

 

..keep the ball rolling on this lot we still hav`nt finished with them yet !!!

 

The more they get reported the better .

...2009 they had a minded to revoke license .

..and please do not speak to them on the phone as this lot will be rude and obnoxious to the end .

..they even get it wrong when you write to them but then at least it can be proved .

 

Oh and if you get put onto their complaints section the head of it only passed his probation later end of last year !!!!

Most of the crew are aged in their late 20 to 30 so they have an ego and are driven by targets!!!

 

Good luck in getting any thing back but please do report them as thats the only way to get the industry looked at more !!!!

Link to post
Share on other sites

  • 2 months later...
I was a Guarantor for Loan with Flm they took me to Court . I won its Easy , when you know how.

 

I also took a loan and had a guarantor i sometimes missed payments but then payed them back but

Was Charged so much intrest that the amount I borrowed is still the same it ain't moved.

Can someone help me as now I'm unemployed ad can't

Afford to pay and I can't expect my guarantor to pay.its a small amount loan.

Edited by geeza2012
Link to post
Share on other sites

I also took a loan and had a guarantor i sometimes missed payments but then payed them back but

Was Charged so much intrest that the amount I borrowed is still the same it ain't moved.

Can someone help me as now I'm unemployed ad can't

Afford to pay and I can't expect my guarantor to pay.its a small amount loan.

 

start your own thread

 

see below

 

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... 

Link to post
Share on other sites

I also took a loan and had a guarantor i sometimes missed payments but then payed them back but

Was Charged so much intrest that the amount I borrowed is still the same it ain't moved.

Can someone help me as now I'm unemployed ad can't

Afford to pay and I can't expect my guarantor to pay.its a small amount loan.

Link to post
Share on other sites

please see post 60

 

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... 

Link to post
Share on other sites

it would be better to start your own thread

 

tha way people will see your issue and post and elp

 

additional people 'joinig' with isuues

an already existing thread gets lost.

 

hence you got no help

 

if you look below

in RED

you'll see a link to a video on how to start your own thread

 

or follow this link

 

start a new thread

 

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... 

Link to post
Share on other sites

  • 1 year later...

you said that 2yrs ago

 

thread is 2yrs old

 

closed

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... 

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3702 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...