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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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CFO (Capital Finance One)


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So stupidly I took a loan out with these guys well over a year ago and paid hundreds of pounds worth of interested. So one day i decided enough is enough and refused to pay them any more. Months have gone buy with not sound from these guy until the following email I received this morning:

 

Introducing CFO Resolve!

 

 

Get your account out of default and up to £200 in your account today!

 

Apply online or Call 0203-195-1184

 

 

Dear,

 

In an effort to get your loan out of default with CFO Lending we would like to offer you our CFO Resolve product.

 

By taking advantage of this offer we will:

 

1) Remove all fines and interest currently on your account.

 

We take your current outstanding balance, including all late interest charges £638.72 and reduce it to the original £275.00 that you initially borrowed!

 

2) Offer you more money.

 

We have an available £55.00 that we can transfer to your account today!

 

3) Set your due date for you next payday.

 

We will set the repayment date for your next payday where you can clear the new balance in full or defer if you choose too.

 

4) Get your account out of default with CRA’s

 

We will advise the Credit Reference Agencies that we work with, that you have resolved your account, which may make applying for credit in the future easier!

 

 

This is effectively a new loan & an opportunity to borrow from us again in the future!

 

 

Simply CLICK HERE and complete the simple application form, be sure to enter your details correctly so we can get the cash out to you as quick as possible!

 

 

Kind Regards,

 

CFO TEAM

 

 

I'm not going to act on this but isn't there something dodgy about it?

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Yes there is something dodgy about it.

 

They will do that just because a lot of people are likely to put in their new debit card details to get the new loan of £55, they are later refused and then at some point in the near future CFO will empty their bank account.

 

I can't believe this company still has a license they are the most corrupt payday lender out of the lot. Please ignore the letter and report it to OFT

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