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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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Happy days oft license revoked:)


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http://www.credittoday.co.uk/article/14257/online-news/oft-revokes-payday-lenders-licence

 

"MCO Capital Limited (MCO) has been fined £544,505 and has had its consumer credit licence revoked for breaches of the Money Laundering Regulations 2007."

 

http://www.guardian.co.uk/money/2012/aug/09/payday-lender-licence-revoked?newsfeed=true

 

Better information on this one

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Toothfairy still exists... for now.

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

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Thinking on it toothfairy has two trading license' with MCO and another company so they might survive this one. All the same a good result:) Also assuming this goes through and they fail the appeal, where will that leave the customer? Is the debt still owed?

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Thinking on it toothfairy has two trading license' with MCO and another company so they might survive this one. All the same a good result:) Also assuming this goes through and they fail the appeal, where will that leave the customer? Is the debt still owed?

 

debt will still be owed. they will sell to another company who should be easier to deal with

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Yea, but SC will sell the debt for 7-10% of the full amount and the New owner will make a 1000% profit if the debtor pays back the full amount. IMO selling and buying debts should NOT be allowed. But we all know that will never happen.

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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If the company has had their credit licence revoked can you not apply to court and ask for the credit agreement to be voided due to the fact that the company who signed it was found not fit? Maybe a silly question but thought I ask it just looks logical to me. How can they be unfit to carry a license but their agreement still have value. And I am not talking about the original amount borrowed but the thousands of charges they have been asking us to pay back which instigated a lot of us to make a complaint and get them investigated.

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It's been stated on here in a few threads by a few admins over the years plus google searchs can bring up approx numbers. I simply relayed it. If im wrong, im wrong, but theres a lot of info out there.

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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