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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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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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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

:D

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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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