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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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I owe Wonga £240. I am unable to pay it and So i got a loan default notice via email, and text from them.

My payment was meant to go out on 28th September but because i blocked the payment from my side, the payment was declined by the bank lol and on Sat 29th, i sent them a letter for repayment of 50 a month and enclosed first payment. All was copied and sent by Recorded Delivery.

 

This morning i received a text saying that my wonga repayment is still due and interest is being added!

 

Can Wonga do that, and also, is it likely they will sell my debt on since im making payments, and lastly... will it affect my credit score.

 

I just need to know where i stand if i have to take them on

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All you owe is the original loan, plus original interest and a first default charge. Wonga can add on whatever they like. You won't be paying it.

 

Resent the letter/email stating the payment offer, but this time, use your bank and send them the payments directly to their account by standard order. Use your loan number as a reference number. On the letter/email, make sure that you state that you deny all liability for the unfair charges/interest that they are adding to your debt, and that the repayment plan you chose will be adhered to.

 

You did the right thing by blocking the payment, and it sounds like they are getting frustrated because you are in control of your money now, and not 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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Theyve got no chance now. Theyve had 2 lots of restrictions placed on their licence since their application.

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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Well the interest was never really actually added...well just £1.06 actually, interest has been frozen and they put me on a 6 month repayment...happy days!! but theyre cheeky how they havent took off the money i sent them via postal order( but i know they take time to credit peoples accounts - up to 14 days lol ) so i sent them a nice but stern email.

 

will update when i get a reponse.

 

oh and renegade, i sent quickquid a long email reguarding all the issues ive faced with them, and how they cant refuse payment, like u said. The only response i got was my loan was 800 and the 200 extra finance charge was already added to the account as i did extend once, totalling 1012. (But im still going by the default notice anyhow.)Thats it lol. no apology, no answers...nothing, nada.. niente although i have to say, i wasnt surprised.

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Quick Quid are usually ignorant to UK law anyway. They are based in the US, where the laws are different.

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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