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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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Payday Loan Hell


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Hi, first thanks for any help I get.

 

Right, I got into a bit of a mess last year with these ****** loan companies, I've sorted myself out and am willing to give up any enjoyment for the next few months to pay them off.

 

Lending Stream: About 200

Mini Credit: 125 - to be paid next week (I can pay this fine)

Pay Day Express: 270

TxtLoan: Originially 117, now they've agreed I can pay £218 in 4 stages, lucky me.

 

I can pay about £350 a month, but payday are ignoring me. Txtloan keep upping the price, they've agreed a totally unfair repayment plan. Lending stream don't even bother contacting me, so I will pay the rest and try and agree a one off payment my first payday after clearing the other three (well, two txtloans and payday).

 

Here's what txtloan said:

 

We offer short-term 15 day loans only. However, as a responsible lender, we are willing to modify your repayment details and agree that you can pay back the outstanding balance as follows:

 

REPAYMENT PLAN:

Date: 2012-01-12 | Amount £50.00

Date: 2012-02-12 | Amount £50.00

Date: 2012-03-12 | Amount £50.00

Date: 2012-04-12 | Amount £50.00

Date: 2012-04-30 | Amount £18.00

Total Sum: £218.00

Please note that we will debit your card for the repayments so please make sure we have your up to date details. If you fail to follow the repayment plan the loan will continue to follow the original credit cycle per your loan agreement.

 

And payday are ignoring me. I just want to pay them all off and never touch them again, but they're so hard to deal with and utterly unfair, I don't earn a lot (minimum wage) and pay a decent wage towards rent and food etc.

 

Is it worth going to payplan or someone? Again, thanks for any help.

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Hi avc

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

From monday 8th Jan I believe that a Credit Union can help you with your remaining loan.

 

http://www.itv.com/daybreak/money/ph...islation-2012/

 

http://www.abcul.org/media-and-research/news/view/193

 

Finding a Credit Union :- http://www.findyourcreditunion.c o.uk/home

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To be honest I can't be 100% sure, but hopefully they can payoff your loans, then provide a loan that you can manage,

 

http://www.abcul.org/credit-unions/borrowing-from-a-credit-union

 

Cheers, I have found one of those unions near my workplace, do you have any idea how they can help? Thanks for the welcome.
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Ok, well I've contacted my local union. From looking around it seems they loan about £500 paid off at a low interest over 12 months? Would be ideal to pay off txt loan and payday express with no hassle... Lets see what they reply thanks.

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