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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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About to request Repayment Plan with Wonga


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Guys, I have been a member of the CAG for several yrs now and must admit I never thought I'd find myself asking advice of this nature. I have managed to spiral my Wonga Loan out of control to the extent that I borrow about £1.089.00 a month merely to cover mortage payments, (I know crazy stupid sitsuation I have got myself in !!!) by my next payday 28.11.2012 I will be paying them £1450.00. I have got myself in such a crazy fix that I am left with no alternative but to request a repayment plan if only to minimise the interest Iam being charged very month.

First and formost, after reading other posts on here, i believe Wonga will not even deal with me until i actually default. As a result I was wondering if anyone could asist with the following.

1. Can anyone possibly help with an initial letter to Wonga requesting the Repayment Plan (Iam planning on letting them know asap, that there will be a likley default on the 28.11.2012)

2. Can anyone let me know how long Wonga will allow a Repayment Plan to run. (I am looking to possibly clear the balance of £1450.00 back over a 10 month period at approx £140 per month. I

I have already put the background stuff in place..ie set up of basic bank account for salary, cancelled debit card and will be informing bank and Wonga of cancelled CPA instructions.

Just hope the buggers will agree to my proposal. I will of course merely send them basic I/E info and insist on all correspondance in writing.

Any further advice would be most welcome folks, as Iam also in a similar situation with Pounds tilpayday to the tune of £600..so I will be employing a similar course of action with them.

Edited by biffa1965
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Hi biffa1965,

 

Wonga does usually repayment plans up to 18 months, but they are requesting to complete an I&E excel, which will detail what you have left this month and assess it according to this.

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Cheers guys, Iam terrified at the prospect of going through this, as I understand it as soon as you request a repayment plan, they add a I&E to your account online, ive heard theyve have been granting some repayment plans but at crazy repayment rates over periods of 4 and 5 months. Sharpend, ive had no reply yet either but Iam lead to believe that they will only deal with you at the point to actually default. Iam not due to default untill 28th November 2012..just know now iam not going to be able to afford it.

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Hi Biffa,

 

Thanks for the advice in my thread. However it seems they accepted my repayment plan with no bother what so ever. And you are are right,, you have to default first. It seems they accepted my plan without even a struggle. I didnt fill out any I&E and i had no intention of doing so anyway. Only thing i will say is that it was about 5 days before they replied to my emails.

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