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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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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Is minicredit eventually listening?


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Made a official complaint to minicredit a few days ago here is the response!

 

 

A MiniCredit Claims Department member has replied to your claim, with the following response: The Following Response is being sent to You according to the Formal Complaints Procedure described in the pre-Contract. Microcredit Ltd has activated an Hardship application on Your www.minicredit.co.uk online account. Please log in to Your account follow the instructions and send the application back to us. In order to apply for Hardship status of your account please follow the instructions below: 1) Please fill in your current income details. 2) Please fill in your current expenditure details. 3) Please fill in your creditor details 4) Please review the details. 5) Click Print the form 6) Sign, date and fax the form to 020 7138 2919 7) Our team will need to assess the proposal. You will be notified with the decision within 5 working days to your email address registered with us. We may require documentary evidence of your claims. We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email. Kind regards, Minicredit Claims Department

 

What now? Do I fill in there form?(not even checked it out yet!)

Edited by stitchly

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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"apply for hardship status"? What?

 

 

All the have to do is flag your account as having financial difficulties and set a repayment plan up. They dont need or have to apply for anything.

 

Theyre talking total garbage. Especially the part about documentary evidence. They need to get it into their thick heads that they are classed as LOW priority when it comes to repaying them. The whole point of people taking a loan out with them in the first place is because they are having difficulty with bills.

 

Send the form in but do NOT send in any bank statements/wage slips/employer details even if they try and demand it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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DO not fill in anything on their website, get that garbage to the OFT and Trading Standards IMMEDIATELY.

 

You are having the proverbial taken out of you if you fill in and send back what they are asking for. Only a court of law can ask for bank statements, wage slips and full details of your other creditors, they are only allowed a summary of incomeexpenditure no names or other etails and certainly not documentary evidence.

 

Report them to

 

http://www.consumerdirect.gov.uk for the Office oFair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

Both lots are doing in depth investigations into this murky market so your complaint will count.

 

Put the complaint in your own words, that they are asking for sensitive information they have no right to see and are going against the OFTs own guidelines in debt collecting.

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  • 1 month later...

Update!!

Got a letter from opos claiming they are acting on behalf of minicredit(yeah,yeah same company!)

I sent an email to them informing them that the Fos are involved and I will not be discussing the debt until they have come to a decision on my complaint.

Was this the right thing to do? Or should I dispute the amount with them and try to set up a reasonable payment plan ie; loan+1 months interest?

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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If the FOS are involved, then you are 100% correct. Dont override ANYTHING the FOS is doing until you get their response.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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:whoo:Im getting the hang of these things now!!

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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Yes, you did right, now get their letter to the FOS as part of your complaint as it shows the company do not have good administration processes in place 'automated processes' are all very well but they must learn to turn them off mid cycle when necessary, something sadly lacking in this murky market.

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If it's worth anything. I got a full and final settlement with these guys, be it through mackenzie hall. I paid the principal and 1 month interest only, be it as one lump sum of £280.

 

They originally wanted nearly £1200 which included £900 in charges and interested but I refused to pay for many many months

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Settling that with Mackenzie Hall was good, the charges are all wrong, in the OFT Guidelines on Debt Collecting they expect any charges to be relevant and in line with the amount of the original debt.

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