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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
      • 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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Motormile Finance Debt Collection Visit Letter


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Hi people,

 

Firstly this website has been a godsend, with all the posts and help i have decided to take my head out of the sand and fight. I hate motormile, they are abusive, threating and pray on peoples lack of knowledge.... so i done my research and sent them this as they keep threating to come to my house.

 

This was even after i sent the "Tort of Trespass" and repeated requests to stop harassing me as i take panic attacks :(

 

Anyway i hope this helps others.

Dears Sirs,

 

Further to my email here are the OFT guidelines on Debt collection visits as i feel you may be unaware of them;

 

Debt Collection Visits;

 

3.11 Those visiting debtors must not act in an unclear or threatening manner.

 

3.12 Examples of unfair practices are:

 

a. not making the purpose of any proposed visit clear, for example, it is not

sufficient to merely state that collectors or field agents will call and not

state what they want to achieve by visiting the debtor

 

b. visiting a debtor when it is known they are vulnerable (by reason of age

or health or disability), for example, when a doctor's certificate has been

provided stating that the debtor is ill

 

c. not leaving the property when it becomes apparent that the debtor is

distressed or otherwise vulnerable, for example if it is suspected that the

debtor might have insufficient mental capacity to make an informed

repayment decision at that time

 

d. entering a property without the debtor's consent or an appropriate court

order

 

e. not leaving a property when reasonably asked to do so

 

f. visiting or threatening to visit a debtor without his prior agreement when

the debt is deadlocked or disputed

 

g. not giving adequate notice of the time and date of a visit

 

h. visiting debtors, unless requested, at potentially inappropriate locations

such as work or hospital.

 

These guidelines further substantiate my claim of harassment and if your current practice of threats continue i will file a complaint on these guidelines.

 

Good Luck

 

 

http://www.oft.gov.uk/news-and-updates/press/2012/21-12

Edited by calum031189
Just read this i recommend everyone read it - they are not as high and mighty as they may appear!!
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Hi people,

 

Firstly this website has been a godsend, with all the posts and help i have decided to take my head out of the sand and fight. I hate motormile, they are abusive, threating and pray on peoples lack of knowledge.... so i done my research and sent them this as they keep threating to come to my house.

 

This was even after i sent the "Tort of Trespass" and repeated requests to stop harassing me as i take panic attacks :(

 

Anyway i hope this helps others.

Dears Sirs,

 

Further to my email here are the OFT guidelines on Debt collection visits as i feel you may be unaware of them;

 

Debt Collection Visits;

 

3.11 Those visiting debtors must not act in an unclear or threatening manner.

 

3.12 Examples of unfair practices are:

 

a. not making the purpose of any proposed visit clear, for example, it is not

sufficient to merely state that collectors or field agents will call and not

state what they want to achieve by visiting the debtor

 

b. visiting a debtor when it is known they are vulnerable (by reason of age

or health or disability), for example, when a doctor's certificate has been

provided stating that the debtor is ill

 

c. not leaving the property when it becomes apparent that the debtor is

distressed or otherwise vulnerable, for example if it is suspected that the

debtor might have insufficient mental capacity to make an informed

repayment decision at that time

 

d. entering a property without the debtor's consent or an appropriate court

order

 

e. not leaving a property when reasonably asked to do so

 

f. visiting or threatening to visit a debtor without his prior agreement when

the debt is deadlocked or disputed

 

g. not giving adequate notice of the time and date of a visit

 

h. visiting debtors, unless requested, at potentially inappropriate locations

such as work or hospital.

 

These guidelines further substantiate my claim of harassment and if your current practice of threats continue i will file a complaint on these guidelines.

 

Good Luck

 

 

http://www.oft.gov.uk/news-and-updates/press/2012/21-12

 

Hi,

 

was this a WDA or QQ loan by any chance

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Hi Foxtrotoscar,

 

Yes they do send them everyday now followed with a text message, telling me if "If I want to avoid any embarrassment i should contact them to arrange an appointment". I have told them to do one as i am not making any appointments nor am i speaking to them on the phone. I would write to them but find emails are a faster and form of communcation. However they seem to want to talk on the phone quite alot and i just found them rude and they all seem to want me to confirm address and details over the phone which of course i refuse because they haven't written to me yet.which i think they don't have yet!

 

I'm about to do a Trust Deed so they can do what they like, and the second one of their guys turns up at my door the police will be phoned as i have got all the evidence i need for harassment and for them failing to adhere to the OFT guidelines.

 

How are they with you? I'm in Scotland so i know things are lot harder for guys in England.

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Even better i got this email about their special offers... i used to work in Web Design and their email structure is ridiculous. I mean my niece could better ;

 

Dear Mr Vannuil,

EASTER OFFER

Our ref: XXXXXXX

Re: WageDayAdvance.co.uk (debt assigned to Motormile Finance UK Ltd)

Debt: £215.13

Here at MMF we are not immune to special times of year and we strive to provide Special Offers on such occasions.

Our callcentre and Doorstep Agents will be active all Easter long weekend - Friday to Monday.

You may think we are like every other debt collection company but we are not. All we want to do is talk to you and come to an amicable and realistic repayment plan, before there is even any need to involve our for Doorstep Collectors or Legal Department.

EASTER SPECIAL OFFER:

Option 1 - a single lump sum payment of 70% in full and final settlement to be paid no later than Monday 30th March 2012...this would mean you paying back less than you actually borrowed!

Option 2 - £10 holding payment made by debit or credit card will secure an instalment settlement figure of 90% of the debt payable over 6 equal monthly payments of to start no later than Monday 30 April 2012.

These offers are available for acceptance until Easter Monday, but call earlier to guarantee the offer as demand on our switchboard will be high.

Please call 0844 7709583 or 01138 876876 for immediate assistance.

Get rid of this debt once and for all before costs and interest start to escalate.

Yours faithfully

Home Visit Department

Motormile Finance UK Ltd

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Hi Foxtrotoscar,

 

Yes they do send them everyday now followed with a text message, telling me if "If I want to avoid any embarrassment i should contact them to arrange an appointment". I have told them to do one as i am not making any appointments nor am i speaking to them on the phone. I would write to them but find emails are a faster and form of communcation. However they seem to want to talk on the phone quite alot and i just found them rude and they all seem to want me to confirm address and details over the phone which of course i refuse because they haven't written to me yet.which i think they don't have yet!

 

I'm about to do a Trust Deed so they can do what they like, and the second one of their guys turns up at my door the police will be phoned as i have got all the evidence i need for harassment and for them failing to adhere to the OFT guidelines.

 

How are they with you? I'm in Scotland so i know things are lot harder for guys in England.

 

so have you already had a visit?

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Report them to the OFT, as they are doing an in depth investigation into the murky world of payday loans. WDA used to be a reputable company but changed their systems and became very very difficult to deal with. They MUST be reported.

 

If this case is a couple of years old as you state and you have not got them to agree a reasonable repayment plan then this is blatant harrassment and needs to be stopped.

 

If they send somebody round they are not bailiffs, cannot use bailiff powers and cannot do a 'pre assessment visit to assess your property' as some like to claim.

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  • 1 month later...

Sorry to jump onto the end of this thread with a first post.

 

I have a similar problem with Motormile in that I repeatedly get unsolicited text messages and phone calls with threatening pre recorded messages.

 

My problem may differ in that I have only once ever succeeded in talking to a human when they called and that person whilst pleasant refused to talk about it unless I provide them with a whole lot of personal data.

 

So I wrote to the directors explaining I would from that point onward charge them £45 per text message received.

 

I had an email back from Paul their office manger confirming he would get to the bottom of it and sort the invoices.

 

Alas he must have got lost along the way for his communications have dried up and he no longer responds to my emails.

 

I now invoice every time they send a text both in PDF to the directors email addresses and in the post to their Freepost address including each time a free gift in the large package on which the invoice is attached.

 

So far a bag of washed old socks and a shirt of my back, today I found a large number of computer mice and a working scanner to go with the latest two invoices. A perfect way to ensure my invoices for their text messages to me do not get lost in the post whilst recycling my old stuff.

 

I think they may have started to look forward to receiving them, shame they are not so quick on paying up.

 

I have also setup a nice easy website for them to pay me.

 

http://www.mmile-invoices.co.uk/

 

All of this in the hope that a real human will call at my door to drop of a cheque or pick up the phone.

 

At this rate of default it will soon be enough for a statutory demand !

Edited by JonathanFrancis
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Never call them on the phone unless you are able to record the full call. Make sure to state at the start of the call before you confirm any details with them that you will be recording the call in full. They will normally stumble for words and hang up, or call your bluff.

 

Either way, you can record them.

 

As for people calling at your door, you know they dont have ANY legal rights to do so right? Your milkman has more legal rights than they do.

 

Doorstep collectors are commision based and will do and say anything to get money from you.

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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Hi All

 

The Directors Address for Motormile aint the address on your letter you recieve.

 

They have two Directors a Neil Petty and a Barnaby Page and yes I do have the address as been dealing with this Horrible wrotten to the core well could go on and will happily put the address on here.

 

That is only if the Site Team will allow it as dont want to get CAG into bother.

 

Motormile Finance UK Ltd

Head Office and Accounts

Protection House

83 Bradford Road

Leeds

LS28 6AT

 

I also have one of the director actual email address for that location but that one I will only put up with the Site Teams Permission.

Edited by stu007

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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You can always PM a site admin with the details and let them decide whether to make it public, or hold them back.

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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Hi JonathanFrancis

 

Yes you have there names on that link but if you look at the actual address on that link that address is just a main office/call centre it not there actual Head Office where they actually work from which is what I have posted.

 

Your Link was interesting especially about Barnaby Page and the IVA date as i wonder if he was still allowed to be a Director of Motormile with this IVA?

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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  • 2 years later...

I keep getting repeated emails from MMF, threatening visits from Doorstep agents in respect of two relatively small payday loan debts. This continues, despite my replies to the mails and even a telephone call to MMF made this week, I am based outside of the UK for work and, therefore, any such doorstep visit will not be appropriate. But it seems MMF don't believe me! During the phone call this week, I agreed repayment terms for both accounts and subsequently received bank details to unable me to make international payments. But still the emails come.....! Isn't this debt harassment?

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Yes it is. MMF do not care about the law. Even the owner of MMF tried to blackmail a member of this site to stop them showing the public how MMF really operate.

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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