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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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Minicredit hardest nut to crack


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What will get them is that they havent read your correspondance or taken your situation into account.

 

In regards to an I&E form, you could call their bluff by giving them something like:

 

Total Incomings: Amount

 

Rent/mortgage: Amount

Food: Amount

Socialising: Amount

Car Payments: Amount

Fuel: Amount

Council Tax: Amount

Credit Card 1: Amount

Credit Card 2: Amount

 

Total amount remaining for LOW PRIORITY CREDITORS : Amount

PDL's Share: Amount

 

 

It gives them an I&E form, however it doesnt list any detailed creditor information ( which the PDL/DCA doesnt need anyway). If they try and ask for creditor specifics, then you know something is very fishy.

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

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Aha Rene, already done all that ! You have taught me well.

 

13 emails sent each one has simple I & E and offers £40 a month, their continuous response has been hardship account set up or you can pay anytime on our website.

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Next time, dont send anything. It's not up to you to chase them up. You have issued a formal complaint, they should know they have 8 weeks in which to 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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Now a text and a voice call (i think they are recorded, they don't let you speak..)

Harrasment letter in along with original formal complaint.

CC'D the CEO for what its worth.

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I always wonder why they threaten doorstep collectors. Last time i faced one, i just leant against the wall with my arms folded in the doorway and ignored him. Good job he didnt step foot through the gate though or my ex's dog would have had him fast.

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 Jo. How are you getting on with with this? I have just sent minicredit a message on their online 'ask a question' box. I asked them to freeze interest and set up a payment plan. Also had a good long rant about the ridiculous charges. No sooner had I sent it, I got the email back offering the hardship account - suspiciously fast. I owe just over £500 on a £100 loan.

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Hi Jo. How are you getting on with with this? I have just sent minicredit a message on their online 'ask a question' box. I asked them to freeze interest and set up a payment plan. Also had a good long rant about the ridiculous charges. No sooner had I sent it, I got the email back offering the hardship account - suspiciously fast. I owe just over £500 on a £100 loan.

 

You owe the loan plus original interest. Nothing more.

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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I would like to share my experience with you. I have now been in dispute with MC for over a month now. I offered a repayment of original loan plus 1 months interest and they kept declining giving all sorts of reasons. I got in touch with FOS and copied their adviser into the correspondence asking them for their FINAL decision on the matter. Today, I got an email saying they are willing for me to set up a payment play for the amount plus only 1 month with their debt collector MacKenzie Hall. I am happy to let anyone see the correspondence if they would feel it useful.

 

C

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Right, I complained to MC that according to their complaints procedure I should have received an email from a Customer Services manager 'with a real name' not a c & p robot. This did the trick and am now in email conversation regarding total amount owed. They have wiped all attempted debit charges, debt recovery fee and second default fee, that takes it to £600 ish. Today they say they are passing to their DCA for a repayment plan.

 

Will wait for their next step.

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So theyre wiping most of it, because youve called them out on unenforceable charges, yet for some reason theyre still passing it to their inhouse DCA?

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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"Your account to our debt recovery partner by the 8th of June 2012 as they have the possibility to set up payment plans. The debit attempts will not continue of the date the account is allocated to our partner."

Mackenzie Hall or Opus ?

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Was that even coherent english? lol

 

 

Regardless, they must stop debiting your account when you instruct them too. Not when they feel like 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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  • 2 weeks later...

Hi, I am having trouble with this company regarding paying just the debt and onemonths interest, could i see the correspondence that you sent them please, hopefully it may help me too. Many thanks inadvance.

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Update

 

Minicredit said they were passing on to inhouse DCA.

Yet 15th June I get more phonecalls and another 'we are coming to visit you letter' stating I owe £1047.

 

Tackled them on this and get an apology! Delay in passing account over.....

 

Still waiting.

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Update

 

Minicredit said they were passing on to inhouse DCA.

Yet 15th June I get more phonecalls and another 'we are coming to visit you letter' stating I owe £1047.

 

Tackled them on this and get an apology! Delay in passing account over.....

 

Still waiting.

 

I instructed them to pass my account over to their DCA two days after defaulting (11th June). Minicredit told me that they pass all accounts over twice per month and that it can "take some time" before you hear anything.

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Sent Minicredit an email earlier to try and find out when my account will be passed on and they've replied saying the start of July.

Maybe yours will be sent at that time too Jo and we can then have fun dealing with the DCA together!

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I sent letter to them on the 16th of this month saying yet again that I will not pay the outstanding £2252 on a £250 loan less than 6 months ago and to bring on the court action !! Now I keep getting texts saying they will reduce it by £1092, not replying, sick of telling them to send letter only with details andwill pay only orignal loan and one months interest.Will let you know how I get on.

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I sent letter to them on the 16th of this month saying yet again that I will not pay the outstanding £2252 on a £250 loan less than 6 months ago and to bring on the court action !! Now I keep getting texts saying they will reduce it by £1092, not replying, sick of telling them to send letter only with details andwill pay only orignal loan and one months interest.Will let you know how I get on.

 

After six months why have they not passed it on a DCA? They give four months for customers to clear the debt with them if they choose to do so after defaulting with the expectation of at least a monthly payment (no specified amount) and then any remaining debt gets passed on to their DCA.

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So have you paid anything at all towards your original loan and interest? As I said, I proceeded in requesting them to immediately pass my account over to their DCA two days after defaulting because I didn't want any further dealings with Minicredit. I'm expecting a load of extortionate charges to have been added once the DCA receives it but have been informed that they will most likely be able to wipe these charges once I dispute the unfairness and legal issues.

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