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    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
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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
      • 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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Wonga Repayment Plan


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Hi everyone, I have a £900 loan outstanding with Wonga, it's due tomorrow (25th april) but will bounce as I don't have the funds to pay it, I have emailed them and the assesment team have emailed me back with an incme/expenditure form to fill ot and they will assess me from that, shall i fill it in?or is it none of their business? :???: Silly situation to get into but I'm determined to dig my way out.

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Dont fill it in. They have no right to know any of it. All they need to know is what you xan afford. Thats 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

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Thanks :) so what should my reply be?This seems to be an automated email, I have sent one to Errol Damelin and had no reply :( It was due out today but bounced, I desperately want to get in touch with them before £££££'s of interest is added.

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Don;t worry about interest. Just keep sending those letters/emails. It's on them to reply, not for you to chase them around. As long as you keep contacting their official contact addresses regularly with requests for a plan, or with your proposal, you'll be fine. All you need to show a court (if it ever goes that far) is that you acknowledge that you couldnt make teh original repayments, but tried your hardest to come to an arrangement for another, but the PDL refused or ignored your requests.

 

Any amounts added on after your requests, or after they ignore your requests, can be deemed unfair and wiped if you have the paper trail to prove 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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Just ring them and tell them you are struggling, ask them to free the interest and spread the costs.

 

I did this on a £400 loan and they really helped me out !

 

I keep promising I will pay the full amount on a specific date, just before I ring and say sorry cant pay in full ill pay you £50 and then the rest next payday, then do the same again next payday.

 

Never had a problem so far ! Just ring, blag them with some story and basically "ask for they help" always worked for me !

 

I got HSBC to clear the arrers of £250 and reset my monthly amount yesterday just by blagging them !

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Thanks again Jo for pointing me here, such a brilliant forum!!

 

Sarah how did you get HSBC to clear the money taken from you?I have also been advised NOT to ring?Aaaaah I dunno what to do, still haven't replied to my emails so will keep emailing daily until they do?

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Yes. Just keep emailing. You are clearly trying to contact them, but they are refusing to take notice. That isn't YOUR problem it's THEIRS.

 

If you ring them, they can and will say anything to you just to get your details, then they will deny there was ever an agreement in place and say you authorised the full amount to be debited or do a 180 on what they said.

 

There are plenty of reports of people calling them and agreeing a repayment plan of, say, £10 a week, only to find that the PDL ( Minicredit and CFO especially) taking the the entire amount on the first repayment date or debiting the account multiple times until they cant take any more. Then trying to charge you £5 a time for each transaction they made.

 

It's one of the main reasons this site asks all people in debt to only deal with their creditors in writing. This way, you have full and complete proof of what the creditor has said, and they cannot form any defence against it, either to you or to a judge in a court.

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 hun, the problem I have is as I have had to take all money I had spare from my account direct debits are gunna start and bounce soon :( causing bank charges, need to get another one opened ASAP i think.

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Contact your creditors and ask them not to process the DD's for now due to problems with your bank account. Tell them that you will pay the debit by another method so the payment is not missed. Ideally you should do this a few days before the DD is processed. This will give you some breathing room at least.

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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Will do, thanks :). Your advice is fab, I have read a few of your posts, keep up the good work, it's very much appreciated!!I will keep you updated, I am hoping for a reply tomorrow, I have offered them a fair settlement so I can't understand why they haven't replied yet.

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I rang them :( I was getting nervous and they were putting fees on already!!!They said they will email details and set up a plan over 12 months, do you think this will be ok?If I have it in writing?I'm still going to change my bank account anyway so they wont be able to get more than the set amount off me each month as thats all that will be in that account on the payment date.

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Wait for the email. However, even if you are nervous, never call them by phone. The fees can be wiped off by a judge if theyre unfair. You're just lucky that wonga is one of the PDL's that take personal circumstances into account, although they are definitley not infallible.

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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Ok, I have had the email with the confirmation of what I agreed on the phone, do you think they will continue to try and take money from this account even though I have an arrangement set up?

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If they do, then you can complain to the OFT/FOS and also the possibility of the police as theyve technically stolen 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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Fingers crossed they don't and I'm on track to getting out of this payday hell :) Thanks for all your advice everyone, hopefully i wont be posting back here to say they have gone on their word!!

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If you have good experiences as well, make sure to post back and let us know. People visiting this site can use it as incentive and encouragement.

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 Laura,

 

NOW - Today

 

Using Online banking canx all direct debits TODAY - your creditors will understand. Move your balance and indeed any overdraft facility to another account (maybe a linked savings account) this will prevent them using the card details over the weekend. You could alternatively withdraw cash . Report your debit card as lost.

 

Monday or online- open another account with another bank - just a basic one. Arrange to have your salary paid in here.

 

Write a letter to your current bank revoking the Continuous Payment Authority to the PDL, and instruct them NOT to pay any DD if the PDL

holds your sort code and account number.

 

These will give you time i) to sort out a payment plan, what YOU can afford

ii) prevent the pdl from taking without consent - it is so much harder to reclaim the moneys than to prevent them taking it.

 

Move the cash you had moved today to the new bank account, and make debit card payments for the missed DD due to you cancelling the DD authority.

Please do this as not to get further into debt.

 

I wish you all the best and good luck

 

N

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HiJust to let you know, I came to an arrangement with wonga to pay £10 per month by Bank Standing Order--You are then in control. They Review it every 6 months but I just tell them my circumstances havent changed, Hope this helps, Kind Regards

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  • 2 weeks later...

hi, i got a loan about 2 weeks ago from wonga for 50 pound and i extended my loan date till the 23rd of may, im just wondering if i payed it back tomorrow will they let me get another one tomorrow? thanks.

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Why would you even consider getting a payday loan in the first place, let alone a second one that you had problems repaying? However, we cant answer your question here as only wonga can tell you if theyre willing to give you more money.

 

Find out about your local credit union and see what they say. They are much, much cheaper than getting a loan from a legal loan shark.

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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