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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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Quick Quid/ndr/mmf/mhb


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Hi everyone,

 

I took out a few loans with quick quid a few years ago, paid them all on time until the last one. I cant remember exactly what happened but i do remember i was having some sort of problem with the bank at the time and tried to resolve the loan with qq several times. After a while I started getting those "please contact us" letters from Mackenzie Hall but because i had never heard of them i didnt contact them.

 

About a year or so later i got a letter from i think Motormille Finance asking for repayment of the qq loan, i arranged a payment plan with them and the first payment was taken from my account on the due date,. the next month the payment never came off so i conntacted them and they said it was a problem with my card details and they would set it up again. it never came off again and this time the excuse was that my repayment plan had been cancelled because of a failed payment, they set it back up and I thought that was the end of it. I then got a letter from National Debt Recovery demanding the same money so i called them and told them i already had a payment plan set up with another company and therefore i would not be paying them. i also called mmf and advised them of the second company, both companies said it was them i should be paying but i told them until i got confirmation from qq i wouldnt be paying either of them.

 

I heard nothing until recently (around three years after all that) when i got a similar letter to what a lot of other people seem to be getting from Marshall Hoares bailiffs, but after reading the info on here about them decided to ignore it. today I got a letter from MMF saying they are taking me to court AND a call from Marshall Hoares about the same money. I toled marshall hoares the story and that i would not pay them until qq told me who to pay and i called mmf to advise them the same. mmf say my account is sttill on hold after me originally informing them about two companies wanting the same money and that they have not heard from qq and could not explain why i had recieved the letter from them. Marshall hoares said they will contact qq and call me back.

 

I contacted quick quid and they said they only ever sold the debt to Mackenzie Hall and quote "the debt no longer matters to us"

 

So my question is what do i do? should i just ignore all these threatening letters as other threads suggest?

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MMF are a pain in the back side to deal with. I have never heard of Marshall Hoarse but looking them up on here leads me to beleive they are nothing but scare mongers. They appear to use "loan shark" tactics to try and scare you in to paying. There have been hundreds of complaints logged against them so personally I wouldnt worry about them. Do not offer any payment or ackowledge the debt is yours. Submit a CCA request ASAP and see what they send back.

 

After a heated conversation with MMF, I asked them to provide me a copy of the "original" letter they claimed to have sent me 5 months earlier stating they owned the debt. I goot an email 30 minutes later with a letter attached but the date was for the following day. This shows how these morons work as they claimed I have received that 5 months before it even existed.

 

Let them sweat it out as they have no powers other than to try and obtain a court judgement making you pay. If they threaten balliffs then ignore it as the only way a balliff will be attending your house is if you ignore a court order for payment.

 

Make a complaint to OFT, Trading Standards and sit back.

Hi everyone,

 

I took out a few loans with quick quid a few years ago, paid them all on time until the last one. I cant remember exactly what happened but i do remember i was having some sort of problem with the bank at the time and tried to resolve the loan with qq several times. After a while I started getting those "please contact us" letters from Mackenzie Hall but because i had never heard of them i didnt contact them.

 

About a year or so later i got a letter from i think Motormille Finance asking for repayment of the qq loan, i arranged a payment plan with them and the first payment was taken from my account on the due date,. the next month the payment never came off so i conntacted them and they said it was a problem with my card details and they would set it up again. it never came off again and this time the excuse was that my repayment plan had been cancelled because of a failed payment, they set it back up and I thought that was the end of it. I then got a letter from National Debt Recovery demanding the same money so i called them and told them i already had a payment plan set up with another company and therefore i would not be paying them. i also called mmf and advised them of the second company, both companies said it was them i should be paying but i told them until i got confirmation from qq i wouldnt be paying either of them.

 

I heard nothing until recently (around three years after all that) when i got a similar letter to what a lot of other people seem to be getting from Marshall Hoares bailiffs, but after reading the info on here about them decided to ignore it. today I got a letter from MMF saying they are taking me to court AND a call from Marshall Hoares about the same money. I toled marshall hoares the story and that i would not pay them until qq told me who to pay and i called mmf to advise them the same. mmf say my account is sttill on hold after me originally informing them about two companies wanting the same money and that they have not heard from qq and could not explain why i had recieved the letter from them. Marshall hoares said they will contact qq and call me back.

 

I contacted quick quid and they said they only ever sold the debt to Mackenzie Hall and quote "the debt no longer matters to us"

 

So my question is what do i do? should i just ignore all these threatening letters as other threads suggest?

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The problem is i have already told all three companies the story of what happened, so have i not already admitted the debt is mine? should i ask them to prove it?

 

I phoned the oft and they just gave me another number to phone that didn't work. I will try trading standards today

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If they are your debts, theres no point sending a prove it letter. It's called debt avoidance, and can backfire on you BIG time.

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 dont want to avoid it though im quite happy to pay it and have made that clear since the start, I am not however going to pay the same debt to three different companies so somehow they need to prove which one actually owns the debt then i will pay it. I'm also not happy about being threatened with baliffs, especially since i live in scotland and am going to make a complaint. I have seen what they have been sending to other people and it would seem I am not the only one these companies are doing this to

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Simple answer, send the account in dispute letter to all 3 companies, and tell them that it is considered disputed until they can prove who owns the debt,.

 

I read your post and you said you had a letter saying that they were taking you to court. Could you post that letter up minus any personal info. I'm guessing they said they MIGHT take you to court, and if so, its a typical threat letter, and can be sent to the OFT/Trading standards and then ignored.

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 can post all the letters if you like, or the latest ones from each company anyway. The one from Marshall Hoares is particularly nasty. I will look for them and scan them in

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Scan them but make sure to clean them of personal info/barcodes etc. Convert them to a PDF file, or use photobucket, or they wont display correctly on these forums. Marshall Hoares are known for nasty letters, and indeed the letters are illegal and break multiple regulations. Thats why we keep saying that ANY harassing/threatening letters, MUST be reported without fail.

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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Get those letters to the oft and trading standards. They are not allowed to send you letters worded that way.

 

Ypu can ignore the second one as they are only acting on behalf of qq and as such do not have any legal rights to the debt

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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this might sound like a silly question but how do i report them? i called the oft and they werent interested, just gave me another number to phone for someone else that didnt even work! Marshall Hoares keep calling me now, should I just tell them to stop calling me and write to me instead?

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Click the library on this site and send the dca the telephone harrassment letter. If they keep phoning you after they recieve it then theyre breaking the law.

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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Thank you so much for your help, they have been calling my work and everything! I will get that sent off to them tonight. Still no clearer on who actually owns the debt though but trading standards said i could take everything in to them and they will look into it, only problem is they are miles away and it will be at least next week before i can get down there to see them.

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If theyre calling your work, then you MUST get an official complaint in to the OFT, FOS, trading standards and OFCOM. That alone is a direct breach of every rule in the book, plus borders, if not breaks the Data Protection Act.

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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That was the other strange thing, at the top it clearly says quick quid. And until reading these boards i had never heard of toothfairy let alone had a loan from them. They havent called me back since i told them that I wasnt paying until quick quid themselves told me who to pay so I guess I will just wait and see if I get any more threatening letters. Called trading standards and they told me to take everything in to them so as soon as I get the chance I will do that

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  • 4 weeks later...

Came home the other day to a message on my answerphone from mhb saying that they were calling to arrange someone to visit me to discuss my debt and that if i didnt call them back by the end of the day they would just arrange it anyway.

 

now i am not worried about them coming to my house, I know from reading these boards that it is highly unlikely and that if they were to turn up they have no rights anyway but i am livid about the message. How do they know who i live with? what if i lived in a shared flat or something?

 

I know i shouldnt have done it but i called them and went mental at them. Told them how annoyed i was about it and they basicly said it is up to me to prove that i dont owe the money, i told them that i was fed up with telling the same story over and over again about what has happened with this and hung up on them.

 

My question is now what do i do? quick quid pretty much refused to send me anything saying that they are no longer interested in the debt and as far as i know at least one of the other companies are still chasing me for this same money (mmf). should i just send them both a letter asking them to prove that they own the debt? Just to make the point again, I am not trying to avoid paying this debt, just want to make sure that I am paying the right company and i dont end up paying it twice

Edited by citizenB
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  • 9 months later...

Kirsty, did you receive anything in writing from QQ saying that they were no longer involved in your debt ?

 

It is not for you to prove anything - it is for them to prove they have ownership and the right to collect.

 

Yes, send THEM the prove it letter.

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nope they refused to send me anything in writing, only the online chat thing which i saved to my computer. I have recently moved house so they are no doubt calling and writing to my old address and maybe even calling my old work again, luckily when my old boss hears a recorded message he just hangs up. Im not in a rush to call them and tell them my new details! I'm pretty sure mmf own the debt now anyway as its them on my cra file but i haven't heard anything from them since they put my account on hold to try and find out what was going on. come to think of it i dont remember getting a notice of assignment or a notice of default, might need to start fighting this one properly!

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  • 2 years later...

This isn't a debt question per say but its bothering me and I'm wondering if someone can help.

 

I had to contact Scott & Co last week about my council tax.

When they were checking my details they read out a mobile number that I didn't recognise

and asked me if it was correct, I told them it wasn't.

 

 

I thought it was odd since I have never had any dealings with Scott & Co

before so they had no way to have a number for me.

 

It wasn't till I got off the phone that I stated thinking it could have perhaps sounded like a number I had years ago

I have had my current number for at least five or six years.

I never thought anything of it.

 

Around an hour later I got a message from MMF,

I had a loan with them years ago.

and judging by the fact that it doesn't appear on my credit file I assume its more than six years.

 

I know of no way they could have gotten my number

and find it suspicious that it was within an hour of getting off the phone to Scott and Co.

 

 

I am going to send MMF a letter telling them to stop texting me

but I am beginning to wonder if Scott and Co have given out my number

then who else have they given it to and what can I do to stop it.

 

I had payday loans years ago and got into a bit of a mess but they are all stat barred and/or paid in full now.

I have had perfect payment record for the last five years

and I don't want all this nonsense of constant calls/texts to start again.

 

I have already had one old payday loan suddenly add itself to my credit file five years after the fact

and I really don't want this happening with anything else.

 

 

Is there anything I can do to stop scott and co passing on my details?

I am sure it must have been them

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You said Scott & Co had your old number, what number did MMF contact you on ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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They are texting my current number now.

The whole thing is just so strange.

 

 

I have never had any dealings with Scott and Co before

so I don't know how they would have even had an old number for me,

 

 

they didn't get it from the council because I have had my current number

the whole time I have lived in this council area.

 

 

MMF certainly have no way of having my current number,

I have had no dealings with them for several years.

 

 

I am not worried about MMF chasing a debt because I know it no longer exists, if it ever did,

 

 

I am slightly worried that I am going to start getting constant calls and texts about old debts

I am just thankful they don't have my work number this time round.

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Hi,

 

Thanks for clearing that up, like you I have no idea how some of these companies get a hold of our numbers, I've a feeling they have a lot of different ways.

Like you say it does seem odd MMF contact you now out of the blue after you getting in touch with Scott & Co.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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