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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 
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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.
      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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Wagedayadvance


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Hi all. My ongoing payday loan hell continues.

 

I've been posting about my dealings with another payday loan company but have not bothered about wagedayadvance until now.

 

Defaulted on a loan with WDA on the 12th December 2011. Sent them an email before advising them that payment would not be paid on that date. Also advised them that I'd be making arrangements with my DMP company to add them to the plan. They emailed me back advising me that they would wait to hear from my DMP.

 

My DMP have been in contact with them but have no confirmation from them whether they have agreed to my plan or not.

 

They have been sending me emails telling me to get in touch RE: Arrears on my account. I've emailed back every time but they have been choosing to ignore my emails. I know that they will have received the first payment through my DMP a few weeks ago - all of my other creditors have received their payments.

 

Anyway... Today I received the following email. If I was reading it on someone else's thread I'd say "they're just trying to scare you into paying and they won't go ahead with this for a debt of less than £200"

 

Wage Day Advance Ltd

Unit 7, Acorn Business Park, Skipton, BD23 2UE

Tel : 0872 238 2623 / Fax : 0844 443 2322

 

 

 

04 January 2012

 

 

 

RE: COUNTY COURT JUDGEMENT

 

 

 

Agree No : ******

 

Amount Outstanding : £***.**

 

 

 

Dear Bombay Mix

 

 

 

Wage Day Advance Ltd has sent you several letters providing you with the opportunity to contact us

 

and make a suitable arrangement for the repayment of your loan yet the debt still remains outstanding.

 

 

 

PLEASE CONTACT US IMMEDIATELY TO DISCUSS YOUR ACCOUNT

 

 

 

 

 

Unless full repayment is received or a reasonable arrangement of repayment is agreed within SEVEN

 

DAYS of the above date, we may issue legal proceedings through the County Court WITHOUT ANY

 

FURTHER NOTICE.

 

 

 

Legal proceedings will generate EXPENSES, COURT COSTS AND FURTHER INTEREST. If we

 

obtain judgement we will ask the court to issue an ATTACHMENT OF EARNINGS which will compel

 

your employer to deduct payments from your wages. Alternatively WE MAY INSTRUCT BAILIFFS

 

TO SEIZE GOODS TO THE VALUE OF THE DEBT both of which do incur additional charges to be

 

added to the debt.

 

 

 

 

 

CONTACT WAGEDAYADVANCE NOW TO AVOID FURTHER ACTION

 

 

 

Tel: 0872 238 2623 - Option 4

 

Email: [email protected]

 

 

 

Office hours: Monday – Friday: 8:00am - 8:00pm

 

Saturday: 9:00am - 3:30pm

 

 

 

If you have already been in contact with us regarding this debt, disregard this letter we apologise for

 

any inconvenience.

 

 

 

Please be aware that until you do contact us your file will be processed in the usual manner and you

 

may accrue additional interest at a daily rate as laid out in your signed agreement.

 

 

 

Yours sincerely

 

 

 

Wage Day Advance Ltd

 

Collections Department

 

 

 

Do I panic? Any advice? I really don't want to have to speak to any of these companies on the phone. I've avoided that well so far. I'm not avoiding this debt and have tried to make arrangements.

 

Any advice would be much appreciated.

It never rains but it pours...

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just a threat-o-gram

may this may that

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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Ohhh they've also sent it to me in the post... With a copy of the OFT debt guidance leaflet. Think I nay flood their inbox with a hundred emails... Still saying I haven't made contact.

It never rains but it pours...

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Get that to the OFT, they CANNOT get an attachment of earnings immediately, you have to default on the CCJ FIRST, same goes for sending in bailiffs to enforce the CCJ.

 

If you do not complain to the OFT (remember that the OFT are investigating payday loan companies now) then you are wasting your time posting on this site.

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

You are trying to sort out your problems and they are only trying to make things worse.

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Have you checked with your DMP if the payment has been made ?...also you should send the letter to your DMP these are the people you have instructed to act on your behalf & as sillygirl1 points out COMPLAIN !!!

 

spots1

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Have phoned my DMP three times. They tell me they haven't confirmed yet but my first payment towards it was 15th December. I'm not even sure if they've deducted their payment from the balance ad WDA still adding charges!

 

Yeah. I'm gonna complain for sure. Now I've got a paper copy of the email. Can't believe they'd send something like that. The debts not even a month old.

 

Why did I ever touch these company's?? Lol.

 

Am gonna send another email to everyone at WDA who have emailed me so far thanking them for their assistance and advising them that they've just give me the ammunition to start an official complaint.

 

Cheers :)

It never rains but it pours...

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Quick update. Emails sent to all four different people at WDA today and also again to their collections email address. Complaint letter typed out to them giving them 7 days before I contact the OFT and FOS with complaints.

It never rains but it pours...

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*yawns @ wagedayadvance...

 

They reckon they're waiting for a letter of authorisation from my debt management company. I spoke to my debt management company on numerous occasions and they advise me that they sent it out to them when they sent the others. (all of the other creditors have received them)

 

Debt management company advise me that they've sent this letter to them on numerous occasions and by different methods (post/fax) I've confirmed that all details are correct.

 

Are they being uncooperative because they want to pass this in to a DCA? Shall I try a different approach and see if WDA will accept the payments directly from me?

It never rains but it pours...

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Hmmmm

 

Had emails from both them and my DMP telling me that they've finally accepted my plan.

 

Happy days.

 

One more to go and then I can finally get on with working all the hours god sends to get these debts paid off as soon as possible!

It never rains but it pours...

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