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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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It may be worth haggling and quoting financial guidelines which people like Rene can help you with. You need to get it in writing from them that if you agree to their settlement that your file/account will be closed from that point and it won't be passed on or no further attempts to take payment will be made.

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I took out my Mini credit in November last year, in true payday loan numpty style rolled over for 4 months. It took me 2 months to get them to agree any sort of Full and final or repayment plan. When they did offer a full and final it was £685 on a £300 loan, with all those contractual interest harges and debit fee attempts. When I rejected and questioned that it was passed over to Mackenzie Hall who agreed £274 and closed account.

 

Not seen a default on my account either.

 

Like Rene says stick to your guns.

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Lodge an official complaint with Minicredit.Wait for the final response(i actually asked them for this!) then get it off to the fos. Include all correspondence that you and they have sent.

Worked for me! I now have minicredit wanting to come to an arrangement with me!!!

2nd July 2012 EarlyPayDay a/c Cleared!:-D

26th October 2012 Wonga,Go Cash & Pounds to Pocket CLEARED!

30th November 2012

Pounds to Pocket CLEARED!

Payday Express CLEARED!

Speed Credit CLEARED!!!!

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Okay great - thanks for all the advice. I am going to wait them out, make the complaint and see what happens.

 

My main concern, regardless of what settlement figure we end up at, is how to pay them (safely) without using a debit card. They have given me the option of using uKash which would involve an additional 8% charge payable by me, so that is not particularly attractive. They say they do not accept cheques or bank payments - does the DCA that they pass it to have a facility to make payment using alternate methods?

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Okay great - thanks for all the advice. I am going to wait them out, make the complaint and see what happens.

 

My main concern, regardless of what settlement figure we end up at, is how to pay them (safely) without using a debit card. They have given me the option of using uKash which would involve an additional 8% charge payable by me, so that is not particularly attractive. They say they do not accept cheques or bank payments - does the DCA that they pass it to have a facility to make payment using alternate methods?

 

If it gets passed on to OPOS then yes you can pay straight into their bank account without them needing any debit card details. OPOS will set up an account with your debt owed, you make the payment and it normally takes 48 hours for the amount to be processed and viewable on your account with them.

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Plus with OPOS they are more likely to accept just repayment of the original loan and one month interest - if you dispute the extra charges added then they should immediately accept the former offer (especially since you will be making a one off payment).

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  • 2 weeks later...

Update - still haven't heard anything further from them. Should I just continue to wait till they send it to OPOS? I have enough left to settle it now if I can get them to accept loan + 1 month int.

 

Just dont know how to get them to agree to that. Seems impossible at this point.

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Update - still haven't heard anything further from them. Should I just continue to wait till they send it to OPOS? I have enough left to settle it now if I can get them to accept loan + 1 month int.

 

Just dont know how to get them to agree to that. Seems impossible at this point.

 

They normally pass it on after you request this. A 'Hardship Application' will firstly be activated on your account which you fill in with basic I&E details and then you have to either fax or post it to them. They pass accounts on to OPOS twice a month after they have approved your Hardship Application.

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I have just had mine passed to Opos after filling in the details on the hardship form, they said they have added 120 days interest on (only defaulted 25 days ago) and alsorts of other charges and the account wont be with Opos until October now. I am going to contact Opos, contest the charges and complain to the OFT but i have no idea how to do this.

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They passed my account on with 120 days worth of interest too. OPOS have been happy for me to set up a repayment based on the original loan and one months interest - they should wipe that unfair 120 day charge. Your account will be passed on at end of Sep and OPOS will contact you probably in the first week of Oct.

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They cannot add 120 days interest on. This is easily contestable.

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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  • 2 weeks later...
Don't pay them their offer of £893. Tell them you want the debt to be passed on to OPOS (their in house DCA). OPOS should wipe all those extra charges and agree for you to repay back the original loan amount and the one month interest. They will let you repay it back at a reasonable monthly rate (I'm paying them a minimum £20 per month).

 

Hi there,

 

How did you get them to agree to this. if what was your original debt and how much are you paying off?

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You need to ask Minicredit to activate a 'Hardship Application' on your account with them. It is just a basica income/expenditure form - no in depth details required. Fill it in and then fax or post it back to them (they don't accept it sent back by email). It takes them five days to review your application and they then should approve it for it to be passed on to Opos. They pass accounts over to them at the end of each month and you will hear immediately from Opos.

 

My debt got passed over at nearly £1200 but Opos have agreed for me to pay back the original loan and one months interest which is £590. I'm currently on a £20 per month plan, am three months into it and have always been able to pay more than £20. I'm reviewing my payments in two months time with them when I will be in a position to pay more so to clear the amount more quickly - hopefully by Feb. I've had no problems with Opos - everything by email and no further contact/harrasment made by Minicredit which was one of the reasons why I wanted the debt to be passed over so to have no further dealings with them.

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Hi there, I have now received a phone call saying i owe £500!! however original loan was £150 £185.50 with interest, they have already taken £50 out of my account, (cancelled the card asap) They say i will be sent to the Debt collector, will they be able to reduce the debt owed to the original loan plus one months payment? as i believe £500 it extortionate i managed to negotiate to £450 taking into account the £50 i have already paid but i still believe this is way too much.

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Let them send you to whoever you want. You're only going to be paying the original amount and not their unlawful charges.

 

 

Never agree to something you dont owe. They scare you into thinking they do, especially on the phone, just so they can get more money.

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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You wont be paying ANY of their stupid charges. These idiots are well known for inflating debts with unlawful fee's.

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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They cant deny it, although they will try it. Just remember, OPOS is minicredit. Theyre just using a different name.

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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