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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
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    • 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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need help please with reply to paydayuk letter


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Hi all, I have a loan with payday uk which was for £240 and due to be repayed tomorrow (£350.86), i split with my husband last week and have no idea if he is going to help with bills and mortgage etc so can't know what my I&E is going to be yet, can anyone please help with a reply to their last email (i'm so stressed i cant think straight )

 

my first email to them......

 

Dear Sir/Madam,

>

> I have recently seperated from my husband and facing reduced hours at work and am now in a position where I am unable to keep making the payments

> on this loan. It is causing me to suffer financial hardship. I have a few payday loans and they are too much for me to manage. I would like to set up an alternative payment plan.

>

> So therefore I would ask that all interest on the account be frozen and no charges added. I fully intend to honour the debt payment and will arrange to pay the amount borrowed plus one months interest. I offer a payment of £30 per month which will be paid by faster payments from my bank account.

>

> I remove all rights for you to take money from my account. I withdraw your authority to take regular payments from my bank account. I have not missed any previous payments. Please accept my offer of £30pcm which will be paid on or before the 26th of every month via faster payments . To enable this please provide

> me with:

>

> Your agreement to £30pcm

> Your Agreement to accept the total amount borrowed plus 1 months interest..

> Your agreement to this payment plan and to freeze all interest and charges

> Your companies bank account number

> Your Companies Sort code

> The reference number you want me to use

>

> If I have this information I will be able to make payment of £30 later this month via my online banking faster payment service. Please note I will only discuss this in writing/email, I will not call any number to arrange a payment as I will be bullied by your collections department into making payment amounts I can't afford,

> meaning missed payments and my account going into default. I do not want this. I want to pay what I owe.

>

> I must inform you in the strongest manner that I do not wish to be contacted at my place of work at any point regarding this loan/debt as this could jeopardise my employment and therefore I would not have the monies to repay the loan to you. My work telephone number was only provided for you to confirm that I was employed and that my place of work had a working land line, and this is what you informed me when setting up the loan. My work environment is not a place for me to discuss personal finance matters, or arrange further more convenient times for us to discuss matters, you must delete my works number from any contact list you have for me. I do not wish to be contacted on my mobile phone number, but if you would like to leave a message this will be acceptable. If you do constantly text or call me this will be seen as harassment and a log of all calls and texts will be kept and it would put you in breach of cputr, protection from harassment act 1997, and also the communications act (2003) s.127 Any calls from your company will be recorded.

>

> I do hope however, that we can arrange a payment plan to alleviate the stress of my whole situation, and to also enable the repayment of the loan to your company as promptly as my finances will allow. I look forward to hearing from you and will help in any way I can to organise repayments with your company as soon as possible.

>

> Regards,

 

their reply

 

Dear

>

> Thank you for your email.

>

> In order for us to agree a suitable payment plan for you we will need you to complete the income and expenditure form below detailing your monthly income and outgoings:

> Monthly Salary: £

> Other Monthly Income (Benefits, Pension etc): £

> Rent/Mortgage: £

> Utility Bills: £

> Mobile Phone: £

> Credit Card and/or other Loan payments: £

> Groceries: £

> Other: £

>

> Once we have this an agent will make an assessment of your income and expenditure information and propose an arrangement which assists you in repaying the balance and supports your current financial situation.

>

> Please fax this to us on 0845 127 4365 or alternatively reply to this email. You can contact us on 0800 280 2666^ between 9:00am – 8:30pm Monday to Friday and 10am – 3pm on Saturday should you have any further queries.

>

> Regards,

>

> Recoveries Team

>

> Purple Payday,

 

my reply

 

Thank you for your speedy response.

 

Obviously, due to my unforeseen circumstances, my income and expenditure is extremely unstable at this moment. But in any case, you have no right to obtain my income and expenditure information at all.

As detailed in my original e-mail to you on 23rd June 2011, I would like to reitterate the following points:

 

No attempt should be made to take money from my account as this will incur bank charges for me and hinder repayment to you.

I do not wish to be contacted at my place of work at any point regarding this loan/debt as this could jeopardise my employment and therefore I would not have the monies to repay the loan to you.

 

> Your agreement to the above

> Your agreement to £30pcm

> Your Agreement to accept the total amount borrowed plus 1 months interest.

> Your agreement to this payment plan and to freeze all interest and charges

> Your companies bank account number

> Your Companies Sort code

> The reference number you want me to use

 

 

I must also let it be known to you that in no way am I attempting to not pay my debt, but to try and pay you back as quickly as possible without having to incur further charges which will only slow proceedings down in paying you.

 

Regards,

 

their reply

 

Dear,

 

Thank you for your email.

 

We have noted that you withdraw authority for payment to be taken from the debit card provided.

It is company policy that if you require a long term payment plan that an income & expenditure is completed.

Please also forward a copy from your employer in regard to the drop in salary.

 

To make token payments that will reduce the outstanding balance ,but will not place the account on hold , until an agreed payment plan has been put into place, you can use the cash details below.

 

60-00-01 Natwest sort code

39524906 account MEM

10384761 reference

 

In order for us to agree a suitable payment plan for you we will need you to complete the below income and expenditure form detailing your monthly income and outgoings:

 

Number of people residing at property (please break down into adults and dependant children)

 

Monthly Salary: £

Other Monthly Income (Benefits, Pension etc): £

Total Income £

 

Rent/Mortgage: £

Utility Bills: £

Mobile Phone: £

Groceries: £

Credit Card and/or other Loan payments: £

Other (please provide breakdown): £

Total outgoings £

 

Amount left over £

 

Please also advise what other credit commitments you have and how much your arranged payments are to each.

 

Once we have this an agent will make an assessment and propose an arrangement which assists you in repaying the balance and supports your current financial situation.

 

Please fax this to us on 0845 127 4365 or alternatively email it to us on this address. You can contact the office on 0800 280 2666 (Call charges may apply depending on your telephone provider) between 9:00am – 8:30pm Monday to Friday and 10am – 3pm on Saturday should you have any further queries.

 

If your arrangement is not agreed by the due date the full payment will fall due and payments can be tried at any time.

 

As we work with a Credit Reference agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating.

 

Regards,

 

 

can anyone please help with a reply, I have cancelled the card on the bank account and wont have any money in there although worried after reading a post on here about PDL taking money out and making the account overdrawn.

 

Thanks in advance

 

 

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