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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
      • 162 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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Hi,

 

I have a loan with these guys which I am struggling to repay. Old story of trying to get one loan to clear another.

 

I will have 11 payments of £189 owed at this point and struggling financially with this and other debts. I dont want to default on any of course but I need to try and get all my debts sorted. Has anyone dealt with these before or know what I can expect?

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Simple answer, your main debts come first, such as bank loans, secured loans, rent, electric etc. PDL loans are classed as non priority. They might not like it, but thats how it is. Send them a letter by recorded delivery or email, advising them you are in financial difficulty and ask for a repayment plan. See what they say.

 

Remember, it is a LOW PRIORITY debt. Contact them by letter or email, see what they say, and you can go from there. Dont give them specific info. Just a standard " i cant afford the repayments right now so can i enter a repayment plan."

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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Thanks - Just in a mess with everything and cant cope with it all. I have several paydays loans & 3 credit cards. I have a joint mortgage with my ex which is really worrying me, though she pays for that out of the money I agreed to give her each month. So all those payments are up to date. My credit cards are over the limit and trying to get a temp relief on these. Guess will ahve to write to them and see what they do next. I can handle a DCA but dont want it to go to court obviously.

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In a court you can prove to the judge what you say. The DCA's hope they scare you enough into paying the full amount, or that you wont defend yourself in court so they win by default. Usually when you submit a defense to a court in regards to ANY DCA, they usually backtrack pretty fast and offer a much lower settlement. This is usually because when you submit a defense, the DCA and lender must send out a representative who must explain everything related to the debt in full. If there are excessive charges, then they must prove that they are fair.

 

However, the first thing to do is send them a simple letter/email telling them you are in difficulty and would like to defer payment for a month, or come to a lower payment arrangement. Send the letter/email and let us know the reply.

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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Thanks - I have deferred this month but need another month and I know they wont do it which I obviously can understand. Will have to e-mail them and wait for the response.

 

Thanks

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If they dont defer it, then youll need to change your bank or get your debit card blocked and the CPA stopped. They have a habit of taking payment even if you have told them not to. Some even take multiple amounts out at different times leaving the person with no money in the account to live on or pay other bills. With PDL's, if they have your bank info, then you can guarantee that they will use 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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Go into your bank and ask them to cancel the continuous payment authority on the account in relation to the merchant/vendor thats stated on your bank statement. If there is one relating to your debt ( and there will be since it is a multi-payment plan), then they cannot refuse to do it. if they do, then they are breaking FSA regulations, and you can submit a complaint with the banks head office and the FSA.

 

The only bank that seems to ignore this is halifax. Who appear to be staffed by a bunch of inept monkeys.

 

In a worst case scenario, you can just open up a new account with a different bank and have all money transferred there, so you have full control of your account. That way you can tell the PDL that you are only paying by standing order or prepaid debit card.

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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