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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 
        • 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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massive jump in size of debt


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A while ago i came here for some advice thanks all, have had loads of problems with the companies but last three months have had a plan agreed and have been clearing debt slowly.

While i have been paying back the temporary agreement have been getting texts at 0415 every sunday morning to say i have not made payment etc when i have. I have learnt to deal with this. This week i have had to talk with them again as 3 month period was ending, i have stated that i will carry on paying what i have been paying for 4 weeks and will renegotiate after that time if the texts stop at the stupid time, i cant switch my phone off my daughter sometimes works late!

They cant guarantee or come to a new agreement so i will carry on with my small payments.

My biggest problem is the debt has jumped alot

Date: 29/07/2012 Debt GBP 2848

GBP 72

GBP 72

GBP 72

GBP 72

GBP 72

GBP 72

GBP 72

GBP 72

GBP 72

GBP 72

GBP 72

GBP 72

 

Repayments todate GBP 107.38

Total GBP 3604.62

Date: 24/07/2012 Debt GBP 2200

Missed Payment Fee 1 (day 29) GBP 10

Missed Payment Fee 2 (day 43) GBP 10

NDR Accept Case File GBP 200

Solicitors - Instructed GBP 150

Missed Payment Fee 3 (day 56) GBP 10

Closing Amount Discount GBP 57.62

 

Repayments todate GBP 102.38

Total GBP 2420

Can anyone advise because even though i have limited knowledge this is seriously wrong

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How much was your original loan plus interest? and is this toothfairy or speed credit by any chance?

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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Theyve added unfair charges and theyve seen you as a cash cow. Those charges are unenforceable and classed as unfair under OFT guidance on debt collection.

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 paid back just over 100 and will keep going till i clear original loan plus a guess at interest, have told them all i will be paying is that but they keep changing the amount just cant get my head around a 1200 jump in a few days

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They do it to everyone. It's one of the main reasons they are under investigation atm, and why the DMP provider CCCS is not paying any money to them, and indeed is advising people on plans with them to withhold payment.

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 had this debt for over a year so would explain that they are going to get nasty again after going quiet, got told doorstep collectors would be coming, i said that they didnt have my permission so if they do turn up will be told to go away , exactly the same as last year.

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I hope you are reporting them to the regulators. Just make sure you are sending offers of repayment to them. Once a week by recorded delivery, or email cc'd to yourself is enough. This proves to a court you arent trying to escape the debt, but simply want more time to repay without them adding on tons of unfair charges.

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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Phone calls are completely worthless unless you can record the call. Pdl's will say and do anything to get you to agree to their terms or get your bank account details. Then deny it ever happened.

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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There are plenty of free and paid apps on iphone. There are also a few good hardware solutions too. Some even block specified callers.

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 noticed today, whilst having a clear out, that a statement I had received for one of my debts simply showed the debt increasing massively despite my regular, albeit token, payments.

 

Shocked was not the word! It's too late to stop this months payment but will be giving them short shrift via letter! My loan is a speedloan. This thread has helped greatly thanks!

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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