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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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
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Can someone give me their opinion on this, Minicredit!!


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Okay so i've had a few payday loans and am on track to sorting them all out myself. Although obviously as i've come to find Mini credit are not very helpful!

I've sent them an email or two and just keep getting the same automated messages back saying they are not interested in payment plans etc.

 

Here's the main problem though, i had a loan with them for £140 although i only actually got £125 as they took £15 as a fast payment fee although i did not ask for this, (it said it would be an option)

I was due to pay them back £190 odd on the 18th of January. It's now the 7th of feb and this is an email i recieved today.

 

Dear XXXXXXXX

 

We would like to remind you that your MiniCredit overdue loan balance is £431.40.

 

If we are unable to recover full amount within next 10 days we'll send Your account to THE DOORSTEP COLLECTOR and You will incur extra costs.

 

We may also contact Your employer and start legal action against You. We also report the status of Your outstanding account to Credit reference agencies. All this process affects your credit score adversely and ability to receive credit in the future.

 

 

Best regards

 

Minicredit.co.uk

Debt Collection Team

Tel: 08718903015

http://www.minicredit.co.uk/contact

 

 

Can someone please just give me some advice and let me know if they can actually do what they are threatening?

I actually can't believe that they sent me this in an E-mail?!!

 

Please help :|.

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Trust me mate they won't come. They sent me 2 letters in the space of about 3 months and eventually it got passed to Fredricksons. I'm paying them £30/month (borrowed £100 so all they're getting is £120, they want £800.. ha frigging ha). All in all it took 6 months to even get to that stage. They'll do nothing.

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From the experiencing im having they wont do anything, let them pass the debt to somebody else and then deal with them, it is likely they will accept the loan plus 1 months interest which is all you have to pay. Dont be fooled by their emails, they are full of it.

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  • 2 weeks later...

I took a loan out with Minicredit on 2nd Novemeber which I have no way of paying with the ridiculous interest rates. I'm just waiting for it to be passed on to a debt collector. The letters do not scare me but I do worry how they don't put my initials on, any member of my family could open it thinking it's there post! Could anyone give me advice on when letters are sent out, so far it's been every 20 days but it's now been 25 days and I'm away with work until Sunday

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