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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.

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      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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Wage Day Advance - How Much Do I Owe Them... - ... NOW DRS Chasing Me


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I could really do with some help regarding Wage Day Advance .

I took out a pay day loan with them last year for £280 with £362 being payable.

 

Due to finacial difficulties and getting out of my depth with payday loans I changed my bank card and didnt make the payment.

I now have had a request from DRS on behalf of Wage Day Advance for £575

 

I requested a Breakdown and this is how it was calculated

 

£280 Loan

 

£362 payable

£82.60 Deferal

£82.60 Deferal

£36 Payment Declined

=£575

 

I never asked for a deferal although I also never told them I had changed my card either.

 

Can they charge me this amount.

I'm more than happy to pay the money that I had the interest for that month = £363 but the rest seems excesive.

 

Does anyone know of a template letter for dealing with wageday loans?

 

Can they do this

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I'd write to them offering a repayment plan for the £362 (original loan plus one months interest)

 

You could make payments towards that amount and when reached, simply pay them no more. Advise them that the account is settled and further deferral charges are excessive and if they want to pursue you for them to do so in court!

 

Try it! They're a DCA so they probably bought the debt for peanuts and will probably be happy that you are offering any kind of payment!

 

Might be worth contacting them before making an offer to make sure that they have the CCA!

 

Good luck

It never rains but it pours...

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Drs did state that they are working on behalf of wage day advance

 

Doesn't really matter, there is no way that Wage Day could justify those charges in court and it is very unlikely, from the reputation this market has, that they would take it anywhere near a court.

 

David

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I'd write to them offering a repayment plan for the £362 (original loan plus one months interest)

 

You could make payments towards that amount and when reached, simply pay them no more. Advise them that the account is settled and further deferral charges are excessive and if they want to pursue you for them to do so in court!

 

Try it! They're a DCA so they probably bought the debt for peanuts and will probably be happy that you are offering any kind of payment!

 

Might be worth contacting them before making an offer to make sure that they have the CCA!

 

Good luck

 

can you confirm under what legal document you are quoting from about sum+1mts int?

 

also cca is not really relevent on PDL stuff.

 

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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no none we have ever found

the siteteam have been asking this for months

 

it is VERY IMPORTANT that advise contained on thids site is CORRECT

not HERESAY.

 

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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pay them £362 total inc what tyou already have done

 

no PDL will ever got near court for 'penalty charges'

 

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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Share on other sites

Hmmm....

 

Ok, maybe I will refrain from offering an opinion in future. I have read NO legal statement confirming that 1 months interest plus original loan amount is the only amount that needs to be paid - only what I've read on these forums time and time again.

 

Whilst I accept that advice offered here should not be 'hearsay', the op asked for advice and I offered advice.

 

Your own advice in your previous post wasn't so far from my own - so I really don't see why you felt the need to rip my post and advice to shreds.

 

Listen to dx tho, dx obviously knows best and has had personal experience dealing with wagedayadvance.

 

(they accepted my payment proposals btw and I'm stopping paying them when they've received my original loan amount plus one months interest - I'll let you know how I get on)

 

Regards

It never rains but it pours...

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just becareful

 

no worries

 

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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cant fault that and never will

 

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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  • 1 month later...

That is the only problem with this site, if someone says something often enough people start to believe it, examples are changing bank accout (sometimes necessary sometimes not) Principal +1 months interest ( I have asked till I am blue in the face and been branded a trouble maker but no reply)

However i will agree with dx, and in my opinion you didn't roll over the loans as generally rollovers only come into force once the interest has been paid . As for the declined payment it may well be in the T&C's but that still doesn't necessarily make it legal (unfair terms etc). If you want a real laugh about excess charges look at my wonga thread lol

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