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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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Credit Brokers (so called!) - Might be a useful bit of help


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Hello,

 

So there was me after a loan of £1000 with repayments over a year. I followed links, never believing that entering details meant the site I was on would be charging me, however they did. Getting my cash refunded was a bit of a nightmare with some of the responses more akin to dare I say even 'illegal' loan sharking! My experiences below might be of some help so hopefully will avoid others falling into the same trap. One important point is that BEFORE entering a single bit of personal information READ their Terms & Conditions.

Bear in mind, (I'm sure someone here will confirm it), that under the current 'Distance Selling 2004' laws they must refund, however they can keep back £5 for so called administrative fees.

 

E-Credit Plus - Take £39.99 from you - I managed to get it fully refunded and they'll even give you a reference number for this in case there's a problem. This is a company you don't even know are going to take money from you!

 

Moneygaga - (Trading name of EQI Independant Ltd) aka My Money Group. They take £23.14 from you instantly. Their site has NO telephone number however you can contact them on 0800 690 6856 and tell them it regards Moneygaga. They will ask for your bank details for a refund (less the £5).

 

MyLoans - Will take two payments, normally £1 (test) followed by £68.99 (totalling £69.99). They take the full 30 days (and you'll have to remind them!) to refund and you are advsed to send a 'signed for' cancellation letter within the required 14 days. You then get an email about it (aka delaying tactics). I managed to get the whole payment refunded and be aware their 'entranapenur' owned has on checkig had some bad press in Australia!

 

LoansDirectUK - BAD NEWS people! Now these are what I call 'con merchants' saying we are a 'membership site'. Conned me out of £59.75 and under duress accepted a repayment of £31.25. They sent me an email saying 'agreed full and final settlement' - not quite true however my replied email stating this came back saying their mailbox was full (real or expected, I do not know)! They have nothing but many 'o844' numbers and an address in Bexhill-on-Sea however they take time to answer on the phone with an American accent 'answer' system - stay well clear!

 

There were another couple I experienced who when claiming back cash, you could tell, were bluffing about the problems. So be very, very careful and I can assure you that I got more calls and messages to my mobile in a week that I'd had in 5 years!

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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