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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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Opos Bank Details


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I've managed to get details of Opos's bank account which you can use to pay them directly. I've been advised by an admin here to post them in case anyone else finds them useful.

 

Bank - RBS

Account name - Opos Ltd

Sort Code - 83-07-06

Account Number - 10526682

 

Remember to include your Opos/Minicredit reference number with any payment so they can identify who sent it.

 

I've also got account details for Wonga, Wageday Advance & Payday Express. If anyone wants these let me know & I'll post them too.

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this is the copy of the last email received from them

 

As explained before, we will be more than happy to address you change in circumstances.

On file your occupation is working for ********

Has your hours been reduced due to ill health as you have mentioned?

For your convenience you can log on to www.oposlimited.com using the following details and complete an income/expenditure where we will be happy to put forward your change in circumstances

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Theyre trying their old trick of only allowing repayment plans according to THEIR criteria. Something which is not allowed under guidance regulation.

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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well this is the reply i emailed over to them last night

 

Dear Sir

OUTSTANDING AND TERMINAL BALANCE £375

Please find attached my income and expenditure form. I am more comfortable providing the information this way.

As you can see I have a number of small debts under £500 and my payment proposals for the discharge of all my debts is fair and has been done on a pro rota basis. At present my income is credited at various times which is why payment date to various creditors will vary.

It is my intention to set up a Standing Order to OPOS to pay£25 a month until my circumstances change. The payment is subject to the following confirmation and conditions.

a) The outstanding balance as agreed with the Financial Ombudsman, taking into account payments of £375 already paid to OPOS, is £375 to discharge the debt

b) Once the debt of £375 has been paid off, MiniCredit or OPOS will confirm the debt for a loan of £600 taken out last year has been paid in full.

Please note that if you refuse to accept my payment proposals and confirm the amount outstanding to discharge this debt in full with Minicredit is £375 then I will require from you a Final Decision Letter and the matter will then be referred onto the Finacial Ombudsman for OPOS to be fully investigated. I will of course continue to pay£25 a month by Standing Order regardless as i want rid of the debt as soon as possible

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  • 2 weeks later...
I've managed to get details of Opos's bank account which you can use to pay them directly. I've been advised by an admin here to post them in case anyone else finds them useful.

 

Bank - RBS

Account name - Opos Ltd

Sort Code - 83-07-06

Account Number - 10526682

 

Remember to include your Opos/Minicredit reference number with any payment so they can identify who sent it.

 

They seem to use two different account types.

The one above appears on their website and is used if you want to to make cash payments at a RBS branch.

The other account they mention on their site is for bank transfer payments (I assume for those with online banking facilities). I've been told to pay money into this one which is:

 

Bank name: Abbey

Account Name: Opos Limited

Account No: 43530927

Sort Code: 09-06-66

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How long did it take for your payment to be confirmed as having been received? I sent a token payment of £1 on Weds night and it still hasn't been updated as having been processed on my OPOS account and my balance accordingly updated. I've been told it can take up to 48 hours though for the admin to apply it.

 

Edit - My £1 has now been processed and applied to my account so took about 36 hours.

Edited by Welshy27
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