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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 
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    • 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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two defaults for same loan?


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I was looking at my credit file with regards to another debt i have had a lot of help with on here and discovered a default i did not recognise from quickbridge, who i have never heard of before now. i have a default from another company (gothica) which is for a wonga loan i took out and for some reason my final payment on my payment plan passed to them. The amounts for both these defaults is identical and im assuming that they are for the same loan. so my question is what do i do? i have a similar problem with multipile companies chasing me for a quick quid debt but i have never been chased by quick bridge. I am due to be paid on monday and had planned to pay this debt in full as it is only 90 pounds thats outstanding on it. should i contact wonga directly? or send quick bridge a letter saying that i have never heard of them and how can i owe them money?

 

I really wish i had never got involved in payday loans!

 

Edit to add: in the payment history bit on my file for the quick bridge one it also says that i was on a debt management plan for two months, which i was not. should i be worried about this?

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Sounds like theyre trying to screw around to make it look like it is justified.

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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I was looking at my credit file with regards to another debt i have had a lot of help with on here and discovered a default i did not recognise from quickbridge, who i have never heard of before now. i have a default from another company (gothica) which is for a wonga loan i took out and for some reason my final payment on my payment plan passed to them. The amounts for both these defaults is identical and im assuming that they are for the same loan. so my question is what do i do? i have a similar problem with multipile companies chasing me for a quick quid debt but i have never been chased by quick bridge. I am due to be paid on monday and had planned to pay this debt in full as it is only 90 pounds thats outstanding on it. should i contact wonga directly? or send quick bridge a letter saying that i have never heard of them and how can i owe them money?

 

I really wish i had never got involved in payday loans!

 

Edit to add: in the payment history bit on my file for the quick bridge one it also says that i was on a debt management plan for two months, which i was not. should i be worried about this?

 

Contact the company who has registered the default and find out why it's there first, for a start if you wasn't on a DMP then the information they've provided to the credit agency is false and will need to be removed quickly otherwise they're not following the data protection guidelines.

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WHich ever company name is on your CRedit file is the company you need to contact. Also check that they own the debt, as if they have placed the default there and do not own it, then you can get the default removed and get compensation.

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 its for the Same debt, then pop a thread in the Credit agencies forum, or PM brigadier. He's really good at creating letters to the right people to get the ball rolling. As for getting things sorted, it could take days or weeks to get it removed as you have to follow due process. Sometimes in rare cases, it takes a month or two, as the companies involved can be reluctant to follow the law.

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 you want to check, its a better idea to contact the Credit agency, as a lot of the time, PDL's will lie.

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 years later...

I thought I would start a new thread since the original one is huge now and my post would probably make no sense in the context of the current discussion.

 

 

I was one of the people who received a letter telling me I would be getting compensation for the illegal letters thing from Wonga. I filled in their online form and waited for a call to confirm my details since everything but my name has changed since I had dealings with them. Months on I finally got the call yesterday and confirmed my old address etc.

 

 

The woman on the phone said she cant give me specifics or a time frame but I will be getting compensation, I just have to wait on the letter coming in the post. Given the length of time it has taken to get to this point I am guessing it will be a while but I said I would keep everyone updated and this is the only update I have.

 

 

How is everyone else getting on with theirs? anyone actually got their money yet?

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Oh I got my initial letter from them ages ago, I have been assured it will come through but they cant/wont give me a timeframe I just have to wait for a letter. To be honest I am not that fussed about waiting because its money I never expected to get from them.

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I got my letter this morning saying I am being offered 70 odd quid, or as you say I can have it looked into further. I am not doing anything until I double check no funny business is going on on my cra file because I just don't trust Wonga at all, or the companies that collect for them.

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  • 2 months later...

Just to finish this off with an update saying that I received my 70 odd quid and nothing has changed on my credit file or anything like that Wonga is still marked settled (although it never was). Although it took a long time, the process was painless and I got 70 quid back that I never thought I would see again so I am quite happy with how things worked out.

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Thanks for the update and glad you got a good result.

 

I hope you don't go to Wonga or any other pdl again, although at least they're capped now.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Thanks to the help of this forum and cleaning up my credit file I wont have to go to one again, I like most other people who use them had no choice due to not being able to obtain any other form of credit, seriously a £200 overdraft at the time would have solved a lot of my problems but I couldn't get one and had to pay the rent somehow while off sick from work. it was a desperate time for sure but I have learned a lot from it, especially from these forums.

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Pleased to hear it. Might be worth saving a bit with a credit union if you can, them if anything like that happens again you've got a bit put by, and most likely access to a cheap loan. ;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Didn't know the NHS had one. That's great. Good luck with exams and whatever else you need to pass. ;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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