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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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      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 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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Very and isme


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Hi All

I have 2 catalogues of which I owe approx £3500 to each,

the company I worked for went into liquidation on 1st November leaving me with no job and in a situation where by I cant make the minimum payments of £160 each per month,

 

I have contacted both to be told,

I have to make the payments and they cant make a payment plan for me

 

Im so worried the payments are due on the 3rd of March and I cannot meet them,

I did offer £50 to each but this was refused,

 

can anyone help

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Hi Thanks for the reply, Im not sure what PPI is ive looked in the abbreviations on here and cant find it, I did the catalogues on-line so I dont think there was any paper work involved, do I ring them and tell them my offer of £50 each, Thanks again

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PPI is insurance, if you have any statements it should show on them.

 

do I ring them and tell them my offer of £50 each,

 

No write to them and offer what you can reasonably afford, do not go without just to pay a non priority debt. Also do not speak to them on the 'phone ever, everything must be in writing, in that way you will have a nice paper-trail of what has occurred. Besides telephone monkeys have a habit of agreeing to all sorts & then reneging + they are quit adept at being threatening. Just refuse to discuss anything, tell them everything must be in writing if they 'phone & refuse to answer their 'security' questions.

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i have managed to get shop direct to accept my proposal with interest frozen for 12 months - once you send your inital offer of payment they will prob refuse if so come back and will help with your response

 

also you can claim back those stupid £12 debt telephone call etc to help reduce the debt but lets get them to accept your payments first

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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I know it's easier said than done, but don't let it worry you to the extent it's affecting you sleeping. At the end of the day it's a non-priority debt & they way things are come at the back of the queue behind your priority debts. There really isn't a great deal they can do about it if you cannot afford to make the full repayments & as much as you'd like them to they cannot kidnap and hold to ransom your firstborn either. ;)

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I got the same and replied with:

 

Thank you for your quick response but I am not wanting to call as I get talked into committing to pay more than I can afford.

 

I can only afford £10 per week and with current climate I would have expected a company of your stature would try to help your customers.

 

I was on the understanding that with you being holders of a consumer credit license that you are required to be compliant with codes of practice, fair business practice and observe guidelines as set out by the office of fair trading.

 

I am very disappointed that you will not even consider my offer and stop interest and charges to bring the balance down in which I believe is a breech of the office of fair trading guidelines.

 

I would ask to you reconsider my offer of £10 per week and stop interest and charges,

 

 

 

and had a reply within 7 days that interest had been frozen for 12 months and my offer was accepted.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Hi

I have just received the following:

Thank you for your email.

 

As advised for further options regarding possible reduced payments you would need to contact on 0844 822 4646.

 

Kind Regards

 

Dominique Boyle

Very.co.uk customer services team

 

Any advice would be welcome

Many Thanks

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hiya,

 

I did it with isme, but maybe send respons reiterate that you are unwilling to call as you feel you get intimidated into paying more than you can afford and that can they please reconsider your offer in writing and if written responses are unacceptable for them caould they please explain why so you can forward this to the OFT.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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Hi Thank you for the advice, I have emailed them both and told them there is no point in me ringing, I have made the offer and nothing can change that, I am so worried, I feel like there emails are already intimidating me

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Don't go down that way, if you have it in writing contact the OFT immediately, telling you to use a dmp is wrong, you can do it yourself with far more efficiency.

 

These companies are taking the proverbial here and you need to let them know you know your rights, are handling the situation to the best of your ability and prefer everything in writing.

 

As people have said telephoning is no good, you get told to do things and then they deny it, they will also want your bank details.

 

Try and get another bank account set up for paying these people so your main income is protected and they don't have your main bank details.

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Thanks for the response, I have emailed them again with the offer and refusal to ring or use a dmp, I will update you when I hear from them, although I am only hearing back from VERY not ISME, so I am hoping they have accepted there offer

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Well good news ISME have wrote to me accepting the offer and not charging interest, but very are still refusing

 

Hello,I have been reading your thread and I wanted to know who are you e mailing at very?because everytime I have e mailed them I get an automated response telling me to call customer services??thank you

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Oh Hi, what I did was log in to my very and isme account and went to the " Contact Us" section and selected email filled in the form and told them what the problem, let me no how you get on and good luck

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Hello

 

I am new to the site, and welcomed the information on this thread re Very. I too am in a similar situation. Lost my job and could not afford the repayments. I have offered an amount and paid it but they still won't say that is acceptable they insist that I ring, to which I cannot afford to do. I have been a customer for many years and always paid, now this situation has arisen and they are being un- reasonable. They too told me to go to a debt management site as they would not consider anything unless I did. I do not need to go to one of these as I feel that if they accept my offer as well as looking at the interest and £12 charges I can manage the situation. I feel harassed by them, which makes me worry as to whether what I am doing is the right way.

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Hi and yes It sounds Like we are in the same situation, this site was a life saver to me as, like you I was so worried and anxious, all I have done is follow the advice I have been given here, one of my catalogues ISME accepted my offer more or less straight away, its Very that are refusing, but I am going to continue following the advice given from ppl here, which I am 100% sure is the right way forward and if I was you I would continue to do the same. Its a horrible feeling of intimidation and even bullying, but I'm going to stay strong if ISME accepted the offer why not Very ? What I haven't got they cant have and until my circumstances change there is little else I can do. Please let me no how things go for you and like me, try not to worry

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