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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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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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minicredit £150 original loan now stands at £730

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My girlfriend took out the loan for £150 and was due to be paid on 28/09/2011. She went through the stages of trying to set up payment plan etc but no joy.

She has yet to pay anything on the debt as she refused to until they agreed set up of repayment plan. She maybe able to make a settlement offer either by the end of this week or next week. My question is what should she offer?


If she was to offer the loan plus 1 months interest that would equal £187.50. But i just can't see them accepting this. What should she do?



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to start with they charge her £5 for every failed card transaction..... this is an illegal charge that would not hold up in court.


They cannot profit from charges.... ask them how many of these £5 charges they charging and immeiately dedct that from the balance.


Its costs them nothing to process a declined payment.

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My girlfriend got a break down of the charges, pretty disgusting to say the least.


Breakdown of charges:

> Original Loan Amount - £150.00

> Penalties (added on the 1st day overdue £25.00 + 3rd day overdue £55.00) - £80.00

> Attempt fees (to receive the funds back max 3 times per day) - £315.00

> Debt Recovery Fee (added om the 30th overdue day) - £100.00

> Daily Interest - £106.50

> TOTAL BALANCE ON 13/11/11 £751.50

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My girlfriend got a break down of the charges, pretty disgusting to say the least.

> Attempt fees (to receive the funds back max 3 times per day) - £315.00




The above fee is scandalous, unfair, and undoubtedly sheer profiteering!


Under the laws companies cannot profit from penalty charges.


It does not cost a company £5 for a declined card transaction.... infact the cost is zero.....


Mini credit is in effect claiming they tried to debit the acount 63 times. i would firstly contact the bank and ask them how many times mini credit attempted this.


They will most likely only threaten door step visits, and send to debt collectors, cos they know if some of their charges were challenged n court the judge would scrap a lot of them.

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Are they in breach of OFT guidelines?


If so can you explain to me how they have breached? Just for my own understanding and so i can quote a few references when im communicating with them.


Also, is the breach of OFT guidelines the reason why we only have to pay the loan plus 1 months interest?

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loan is now on 798


Paying them 250 max at end of the month, then telling them to f'off, if they want the rest they can take it to court.


Anybody here willing to help me if it gets to that stage?

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So many places to post this thread:


To make you feel better(!) marts, here's my breakdown as at today:


The total outstanding balance £1169 from the date of issuing (14th of September 2011) until today the 24th of November 2011 consists of the following:

Loan principal £400

Interest in total £284 (1% of the Principal per day)

Overdue penalty £25 (was added on the 1st day overdue)

Overdue penalty £55 (was added on the 3rd day overdue)

Debit Attempt fees in total £305 (every unsuccessful attempt to receive the repayment costs up to £5)

Debt Recovery fee £100 (was added on the 30th day overdue)


Microcredit Ltd used the contractual right to debit payments from Your debit card towards the outstanding balance and received in total of £65 on the 21st of October 2011. The mentioned partly payments decreased the total outstanding balance and the current balance is £1104 today on the 24th of November 2011.


I have raung them, emailed then etc about repayment plans, and also told them to stop trying to debit my account because that card has been cancelled for over a month, and it just keeps adding £5 a day to my already ridiculous balance.


I'm going to propose original plus 1 month interest, and then see what happens, probably nothing!


I have a few other payday loans, and all have accommodated me with generous repayment plans, and some of those were much bigger than the £400 I originally borrowed from these "%*""&*


Loan principal £400, Debit Attempt fees in total £305 - what a joke!

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Please make your own thread, thanks!




Outstanding balance is now 831!!!


This company is disgusting, im that wound up im thinking of going down to their office and beating the cr@p out of the boss!!


Also my original loan of 250 now stands at £1025!!!!!!!!!!!!!!

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  • 3 weeks later...

loan is now 920 (which is my girlfriends original loan of 150) and just received letter of threat for court action if i dont pay by next week.


HELP! What should i do? i can pay 200 at the end of the week but i refuse to pay anymore.


Should i send a letter first? if so what do i say on the letter?



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loan is now 920 (which is my girlfriends original loan of 150) and just received letter of threat for court action if i dont pay by next week.


HELP! What should i do? i can pay 200 at the end of the week but i refuse to pay anymore.


Should i send a letter first? if so what do i say on the letter?





Personally id call their bluff over court..... if they did take you it would be the best way forward, as you could then contest their astronomical unafair and illegal charges.......


Advise them you will contest the charges, id be 99% certain they dont go that route... they are merely trying to scare you into paying their demands.

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hi i'm also having issues with these people took a £450 loan out now stands at £1120 something stupid like that. i've sent emails offering to pay back £600, £100 every 4 weeks which they refused. there now saying its going to court for a ccj. i say bring it on.

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  • 3 weeks later...

Girlfriends loan now stands at £1,042.50


Im just in middle of writing a letter and sending to them with postal order of v10 for a token payment. Im offering them full and final settlement of £190


They honestly think they will get in excess of v800 profit from a £150 loan?


This is legal theft. This country stinks how it can legally allow a company to charge so much. I may have to move to australia!

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It is still £150 despite anything they say.


Have you complained to the OFT and Trading Standards yet? Remember Payday loans are high on their agendas so your complaint could put an end to this farce....


They could now theoretically bankrupt your girlfriend if this went to court and she couldn't pay.

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Ive complained to the financial ombudsman


Forget them...do as SG says....its the OFT and TS you need to get hold of.


OFT are currently investigating PDL companies...the more complaints the better




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  • 1 month later...

Ok so my account with minicredit has now been blocked, and so has my girlfriends.


My balance stands at £1,447.50 for a £250 loan


My girlfriends stands at over £1,000 for a £150 loan



I have just received an email from Mackenziehall which i have copy and pasted below.


February Sale!



Current balance: £1447.5


Good Afternoon Mr Daniels,


Your account with Minicredit Ltd remains in default. Our client has agreed to accept settlement for £506.63 this payment will close the full account if paid no later than the 29/02/12.


If this is not possible we can also accept a settlement for £723.75 over 2 payments of £361.88 to be paid no later than the 29/02/12 and the 31/03/12


Failure to make an agreement on your account may lead to further action being raised against you.


Please contact us today to take advantage of this offer.


Call us on 01563 556521 or

Email: [email protected]


Our trained advisors will be happy to assist you.


Kind Regards

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Your next step is to contact the Office of Fair Trading and East Ayrshire Trading Standards, a guy called Sam Gardiner is dealing with Mucky Hall.


You and your girlfriend do not owe those astronomical sums for a £250 loan.


If you don't complain to the OFT and East Ayrshire Trading Standards you are wasting your time posting on the forum.

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I already have done a couple month ago or so. This was their reply.


Thank you for your email received on 02 January 2012.


I am very sorry to hear about the difficulties you have been experiencing however, the OFT has no authority to become involved in individual disputes between consumers and traders so we cannot advise you directly in this matter.


The Financial Ombudsman Service (FOS) can help with most complaints about consumer credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the consumer credit licensee itself. FOS can be contacted at: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR; 0845 080 1800; or http://www.financial-ombudsman.org.uk.


I can confirm that the business you mention holds a consumer credit licence. Under the Consumer Credit Act, holders of consumer credit licences must be fit and competent to do so and the OFT has a duty to monitor the fitness and conduct of all traders who hold such a licence.


We have therefore noted the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against this trader we may need to contact you again in the future. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.


Thank you again for writing to us and bringing this matter to our attention.


Yours sincerely

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