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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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Those Payday Express cretins!!!


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So, months ago I came to you lovely folks regarding Payday Express' incessant calling. They since stopped their calls (thanks all who helped!)

 

Anyway, months on, they finally changed the tone of their letters. About 2 months ago, they said they'd be sending an agent to me (which they didn't) and please reply to let them know it was a convenient time. I ignored it. They refused the payment from the debt management company. The last time I spoke to them, they were moaning because they couldn't understand why I couldn't afford to pay them in full if I'm with a debt management company. I enjoyed answering that...

 

Anyway. There's been months of inactivity on their part, and then I got a text from Lloyds on Monday saying I was on or over my limit. Well, end of the month, couple of days from payday, it's to be expected. Of course, you know what's coming. I've been charged for being overgrown because they seem to somehow have gained my debit details.

 

As advised, I changed my card details. I would have changed banks but unfortunately banks don't like to give accounts to people who've got bad credit ratings, apparently.

 

What Payday Express is doing isn't theft as far as I'm concerned because I was an idiot and I borrowed from them then couldn't fulfil my contract to them. Next month I predict the same thing will happen though, and I was wondering if there's any way I can prevent it. Obviously, Lloyds were understanding, but somehow the smeggers have obtained my card details (the woman at the bank told me they were unexpected card payments). If they refused to accept the DMC's offer and keep trying to screw me over by taking money out days before I get paid, I can't see how they expect any payment joy.

 

Does anyone know if they ever stop being idiots and actually pass these things to collection companies?

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  • 1 month later...

what i would do..is send a letter or email to payday express...stating you are now unauthorising them to take money from your account/debit card..this is inline with payment services regulations by fsa...also take a letter in your band stating you have unauthorised payday express to take anymore money..and also for the bank to stop the cpa..continuous payment authority...xxx when emailing payday express..keep the copy of email..and state to them this takes effect from that day...and want confirmation...i did this with a payday lender...so if they had tried to take it is basically theft...xxx i used advice on here...hope that helps..

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