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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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natwest KEEP letting CFO drain my A/C using an OLD DEBIT CARD - SHAME ON THEM!!!


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Hi all . I am in the same situation. Over the bank hol I have had over £500 taken from my bank account from CFO when I already have a debt plan set up and agreed with the CCCS and them. The bank have told me I have to speak to the company to get it back but I know they wont simply refund and it is my rent and council tax money they have taken. Can anyone suggest what action I should take as I have tried to email CFO this morning and had no reponse yet and need the money back urgently to avoid being evicted or in rent arreas. I have proof they have accepted my debt plan payments over the last 3 months. thanks Emma

 

start a new thread

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I posted on this site at the beginning of august that CFO had drained my bank account of £473.45 when I spoke to them they stated that I still had to pay £97.50 to clear my account I told them I would pay this today which I have by bank transfer. I rang them to let them know and they now tell me I still owe £372.00 which is charges and fines. I have been on the phone since 9am this morning and have paid over a £1000 for a £250 loan. They have now asked me for another £152.00 to clear my debt. I have asked for a few days to think about this and would like to ask anyone on here their advice. CFO are saying that I applied for another loan which broke the terms and conditions of my repayment plan. I have not applied for any loans but how do I prove this

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I would say the onus is on them to prove you applied for another loan, not for you to prove you didn't. As them for the date, time, method of application.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I would say the onus is on them to prove you applied for another loan, not for you to prove you didn't. As them for the date, time, method of application.

 

They say I applied on line through a broker who passed my details on to them

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These people cannot ''FINE'' anyone for anything, these are penalty charges and you should not pay them.

 

This is absolute usuary £1k For a £250 loan seems like time to try and put a spanner where the sun don't shine:madgrin:. STAY OFF THE PHONE THEY WILL ONLY TRY TO FLEECE YOU AGAIN

Try this by recorded delivery to Their Compliance Manager.

 

RefXXXXXXXXXXX

 

Dear Sir or Madam,

 

I refer to my telphone conversation with one of your operatives today having now had time to review the conduct of your company in regard to a loan of just £250.00 and as I have already over £1000.00 to you I am not now prepared to pay any of your ridiculous ''fines'' or charges.

 

FINAL RESPONSE.

 

I am sure you will wish to protesr at my stance on this so please feel free to make a County Court claim for the allged balance consisting of these unfair and unreasonable penalties.

 

I am also certain that ant Judge would be most interested to listen to you atempting to justify your companys reasos for these charges as would the OFT and your local Trading Standards Department.

 

So for claification and notification.

 

I have NOT applied for or accepted any other loan and the onus of proof lies entirely with your company.

 

I will not now or in the future agree to pay any more ''fines'', ''penalties'' or charges of any sort unless ordered so to do by a court.

 

Take note that I now demand that any contact is made in writting and is delivered by Royal Mail (proof of posting is not acceptable of proof of delivery, also you will not now or at any time in the future contact me by telephone landline or mobile telephone any such conduct WILL be cosidered harassment.

 

I am sure I don't have to remind you of the OFT Guidance 2003/2011 and the sections reagarding respecting alleged debtors requirement as to how and when they are contacted so any such conduct will be subject to report to the OFT.

Finallly take note I do NOT accept any liabilit or acknowledge any debt regarding the unfair penalties and charge levied by your

company.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I have rang the obudsman today and they are writing to CFO to complain on my behalf. I have decided not to pay anymore money to them until I get a reply back from the FSO.I think a £1000 for a £250.00 loan is more than enough.Wish me luck

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these people cannot ''fine'' anyone for anything, these are penalty charges and you should not pay them.

 

This is absolute usuary £1k for a £250 loan seems like time to try and put a spanner where the sun don't shine:madgrin:. Stay off the phone they will only try to fleece you again

try this by recorded delivery to their compliance manager.

 

Refxxxxxxxxxxx

 

dear sir or madam,

 

i refer to my telphone conversation with one of your operatives today having now had time to review the conduct of your company in regard to a loan of just £250.00 and as i have already over £1000.00 to you i am not now prepared to pay any of your ridiculous ''fines'' or charges.

 

Final response.

 

I am sure you will wish to protesr at my stance on this so please feel free to make a county court claim for the allged balance consisting of these unfair and unreasonable penalties.

 

I am also certain that ant judge would be most interested to listen to you atempting to justify your companys reasos for these charges as would the oft and your local trading standards department.

 

So for claification and notification.

 

I have not applied for or accepted any other loan and the onus of proof lies entirely with your company.

 

I will not now or in the future agree to pay any more ''fines'', ''penalties'' or charges of any sort unless ordered so to do by a court.

 

Take note that i now demand that any contact is made in writting and is delivered by royal mail (proof of posting is not acceptable of proof of delivery, also you will not now or at any time in the future contact me by telephone landline or mobile telephone any such conduct will be cosidered harassment.

 

I am sure i don't have to remind you of the oft guidance 2003/2011 and the sections reagarding respecting alleged debtors requirement as to how and when they are contacted so any such conduct will be subject to report to the oft.

Finallly take note i do not accept any liabilit or acknowledge any debt regarding the unfair penalties and charge levied by your

company.

 

try this in the meantime*

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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quite correct

 

well done

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Interestingly I have something similar with CashGenie who have had well over £900 for a £250 loan. I have told them I am not paying anymore but they still want £250 plus one month's interest. I have sent them proof of all the payments and said if they want any more they will have to take me to court.

 

They just keep on emailing me and in a rather sinister turn have now said they have 'confirmed where I live' prior to a visit. They have always known where I live!!! I cannot afford to pay them any more and I hope if it goes to court the judge will say they have had enough. Meanwhile they variously quote figures of up to £600+ for what I owe them but they will let me off with one month plus interest.

 

I had quite detailed correspondence via email explaining my position, but they just ignored me and started off with the threats again. Wish it would come to and end, but I cannot afford to pay them any more so they will have to take me to court. I have been to court several times to save my home, so bullies like this are like water off a duck's back to me!

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Send them the prove it letter. If they start more harassment, then we will get technical with them.

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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Interestingly I have something similar with CashGenie who have had well over £900 for a £250 loan. I have told them I am not paying anymore but they still want £250 plus one month's interest. I have sent them proof of all the payments and said if they want any more they will have to take me to court.

 

They just keep on emailing me and in a rather sinister turn have now said they have 'confirmed where I live' prior to a visit. They have always known where I live!!! I cannot afford to pay them any more and I hope if it goes to court the judge will say they have had enough. Meanwhile they variously quote figures of up to £600+ for what I owe them but they will let me off with one month plus interest.

 

I had quite detailed correspondence via email explaining my position, but they just ignored me and started off with the threats again. Wish it would come to and end, but I cannot afford to pay them any more so they will have to take me to court. I have been to court several times to save my home, so bullies like this are like water off a duck's back to me!

 

Well, one of the Director's of Cash Genie is Peter John Tuvey, You could always send him an email back telling him you have confirmed where he lives too (I can PM his address) I bet they don't like it back.

 

The other directors of the Company are Americans, and their address is in Texas.

[sIGPIC][/sIGPIC]

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Get in touch with the FOS they are really helpful. I did this last friday and within a week CFO responded and I got a result.I have paid a £1000 for a £250 loan and they still insisted I still owed them money. I have had enough of them draining my finances and could see no way out so took action and finally it is over. Take that step and hopefully you will get a result.Good luck

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  • 3 weeks later...
Bloody hell, if they are getting info in this way, surely its illegal, and very much fraud?

 

I think Showergirl should contact the bank and see what card details were used to empty her account - if its the new one, then I would think the Fraud line at the bank is the way to go, not chargeback!

 

I doubt they are getting the new details from anywhere other than brokers after people are applying for new loans

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I had a £200 loan from these sharks with about £70.00 interest for 3 weeks. They sent me a text 5 days after I took the loan offering to increase it by £100. I didn't need it but thought it was a bit strange I checked it out and If I had taken the extra money they would have imieidatley settled my loan at £275 and added the £100. so in about 12 days instead of owing them £270 I would have owed them £370 + one months interest..

 

The figures are not completely accurate as it was a while ago but be warned anyone thinking of taking a loan or increasing your loan with this company. The good thing is the experience of having to go to a payday loan company has made me turn my finances around.

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they get them if they are on a continuous payment authority

 

I was responding to someone who had opened a new bank account and found CFO had taken money from that account via her debit card.

Anyone owing this company money should never give them their new card details. Make an agreement to pay the money. Make sure they get confirmation by letter or email and stick to it. Obviously they should also not apply for anymore loans while paying it off.

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  • 5 months later...

Here we are, nearly 8 months later.

 

CFO never responded or attempted to dispute my "dispute" on the money being returned to my account.

 

Today however, using their usual tricks of attempting mass multiple withdrawals for amounts such as £25 and £13

 

they have again emptied my account of my DLA (starting to think they attempt these things on known benefit payment days?)

 

So, using debit card details that are around 2-3 cards out of date,

so they certainly don't even have accurate card details or a card security code having their last mass transactions disputed,

but not even responding to that dispute,

 

Natwest has again let them walk into my account, with extremely questionable practices,

I mean come on, multiple payments of varying small amounts to 1 company at 5am isn't normal is it....

 

It would appear that Natwest offer no protection to its customers at all.

 

Again, no food/electric, and they refuse to do anything till the payment has "properly left my account"

 

So its going to be the identical big arguments on the phone tomorrow.

 

This time, I say Natwest itself is liable for refunding, and its their own problem whether they chase CFO or not

- I would say an unchallenged payment dispute from 8 months ago is pretty clear evidence that there is no sort of Continuous Payment Authority

desire or permission in operation, and Natwest has breached the regulations.

 

I am wondernig whether to take this via the fraud route this time?

 

Again, if CFO genuinely believes it is lawfully owed money, and can prove this,

why did it not challenge my Dispute of 8 months ago,

which it had every right too, and which Natwest assured me, CFO would.

 

So thinking Fraud.

Edited by citizenB

[sIGPIC][/sIGPIC]

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i've put this in natwests twitter feed to name and shame them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

So this is no longer resolved ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The original was. Natwest seem to have made a monumental cockup.

 

@DX have they deleted that tweet? Cant see it on their feed.

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 have put it on CAG's twitter feed - it is the first one on the list at the moment - so if you want to retweet it, that would be good :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Should have made it @natwest or #natest and really get them noticing 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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