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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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Quick Quid and Payday UK


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I'm after a little advice. Basically I have two payday loans, one with Quick Quid and one with Payday UK. This has all got a little out of control and so I have taken advice from the CCCS and I have a pack from them and everything, I am in the process of opening a new bank account etc. I just wondered should I go ahead with a DMP with the CCCS (they are including my overdraft which isnt and imminent debt) or should I contact the payday lenders myself and sort out something with them (i understand this will not be easy!) Thing that I am most worried about is being contacted at work. I have cancelled my DD with Quick Quid but Payday UK obviously have my card details - if I do go ahead with the DMP how will I make a 'token payment' before the plan starts? Any help would be appreciated.

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Hi there, I am new to all of this but got myself in a similar situ - I did take advice from the CCCS but I have decided to sort it out myself, I have two payday loans, Quick Quid and Pay day UK. I emailed both this afternoon after being ill through it all. Quick Quid responded and after some time spent on Live chat I have managed to set up a pre default payment plan over 4 months with no extra interest/charges. I have email confirmation of this and have elected to pay by dd but my wages no longer do into that account so will just make sure there is enough to cover the payment. Just waiting to here back from PAYDAY UK, having just sorted QQ out (if all goes to plan) has made me feel so much better! Thanks for all of the advice!

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Hi

 

I have created a new thread for you and moved your two posts here as they are on the same issue.

 

You need to be aware that by using a DD they can raid your bank since you bank may pay whatever they call from your account. This could put you in an unauthorised overdraft position and cause you to incur bank charges.

 

You should really pay this by Standing Order or via online banking.

 

ims

 

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Thanks, I asked about so but they refused and I thought it was more important just to accept the plan as they dont seem very consistant in their approach! I will see how the first month goes before I relax totally but in all fairness they didnt complain or moan just offered me the plan, I just hope PAYDAY UK are as easy!! I cant believe I got myself into this situation and before this week I couldnt see a way out, dont underestimate how much your advise helps, I would have been too scared to do anything before I came on here. :)

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Well here's hoping! I will update on PDUK, I wish I had done it earlier (or just not got the loans in the first place!) as I have rolled these loans over so many times, this has been going on about a year! But with the info on here I realised that there are so many people in the same situation. What I will say is that it defo helps to tell someone, I was worried sick on my own for months and I told my mam last night and although she couldnt help financially (not that that is what I wanted) it just really helped to finally tell someone! Don't be embarrassed, everyone makes mistakes.

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:lol::drum::grouphug:i so understand where u come from and so glad u told mum u see i never told a single soul im very secrative i have a fab husband and family and it was my stupidity that got us further into debt and it spiralled out of my control so because of my stupidity i told myself it was up to me to get out of it and hid it for 3 yrs and how no one found out il never know but i did it i paid them all off and the pain and anguise was immense on my health and il end by saying thankgod i got rid because i couldnt have gone on much longer living that way ,so good luck and now u know from experience u too can help others on here i hope xxxx
:violin::ban::lock1::bump::clock:
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Hi Chack,I had the misfortune of dealing with PaydayUk, they were a pain in the ass, and the staff were beyond rude. They eventually passed the debt to equidebt who were actually ok. I was so defensive when they emailed me, I sent back a really angry reply and they apologised and immediately agreed to my repayment offer of £20 a week. Don't be embarrassed or upset. We learn very valuable lessons from our mistakes

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Guest QuickQuidCustomerService

Hi Chack19,

 

I'm glad you were able to sort out a payment plan with us. Please don't hesitate to get back in touch with us if you have additional questions about your account or repayment plan. As the others have said on this thread, I would just advise that you be sure to have the adequate funds in your DD account on the day when we are set to debit so that you do not incur any overdraft fees from your bank. We do send out emails to remind you when these days are coming so hopefully that helps. Good luck with everything!

 

QuickQuid

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